Outbank
Outbank is a German multibanking app that aggregates over 4,500 banks and financial services into a single, zero-knowledge encrypted platform serving individual consumers, families, freelancers, and small businesses across the DACH region via a subscription model.
- Company typePrivate
- Founded2005
- HeadquartersDachau, Germany
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Outbank does
Outbank GmbH is a German personal finance management company founded in 2005 by Tobias Stöger, operating as a subsidiary of FP Finanzpartner AG since November 8, 2021. Its core product is a multibanking app available across iOS, macOS, Android, Apple Watch, and Huawei AppGallery that aggregates over 4,500 banks and financial services — including checking accounts, credit cards, PayPal, crypto accounts, securities portfolios, bonus programs, and retailer shopping accounts — into a single interface.
The product is differentiated by a zero-knowledge security architecture: all financial data is stored locally on the user's device and encrypted with AES256 using PBKDF2 key derivation, meaning Outbank cannot access user data. Servers used for optional Secure Sync are hosted exclusively in Germany on Hetzner infrastructure running 100% renewable energy. Recent feature additions include SCHUFA credit score integration, item-level grocery purchase tracking through retailer integrations (EDEKA, Lidl, REWE, dm, Globus), contract recognition, and EPC QR-code payments. The app is GDPR-compliant and the company participates in Bavaria's Corporate Digital Responsibility initiative.
The company operates a product-led, direct-to-consumer subscription model with two tiers: Individual (€3.99/month or €39.99/year) and Business (€9.99/month or €99.99/year), both preceded by a 14-day free trial with demo data. Customer segments span individual consumers, families (supported by Apple Family Sharing), singles focused on financial independence, and small businesses/freelancers. Acquisition channels include app store presence, content marketing through the Outbank blog, a customer referral program (€10 per conversion), and an affiliate program (€5-20 per referred customer). Headcount is reported in the 11-50 range, and the company is headquartered in Vilshofen an der Donau, Germany.
Outbank firmographics
Firmographics- Name
- Outbank
- Legal name
- Outbank GmbH
- Website
- https://outbankapp.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Outbank is a German multibanking app that aggregates over 4,500 banks and financial services into a single, zero-knowledge encrypted platform serving individual consumers, families, freelancers, and small businesses across the DACH region via a subscription model.
- Ownership category
- akta.pro rank
Outbank industry classification
Industry- Product category
- Personal Finance Management Software
- akta.pro primary industry
- Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)
Keywords
Where Outbank is headquartered
LocationHeadquarters
- HQ city
- Dachau
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Outbank business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Subscription - Individual: Monthly or annual subscription model for personal finance management. Individual tier provides access to all private banking features including 4,500+ bank connections, budgeting, savings goals, and secure sync.
- Subscription - Business: Monthly or annual subscription with additional business features including branding-free PDF/CSV exports, EPC QR-code invoicing, and business account management.
- Affiliate Program: Referral program where content creators earn 5-20 EUR per new customer who converts to a paid subscription after the free trial period.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Individual plan for personal finance management with all core banking features |
| Subscription | Annual | Business plan for freelancers and business owners with advanced features |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Outbank product offering
Product offeringCore offering
Outbank sells a subscription-based multibanking mobile and desktop application (iOS, macOS, Android, Apple Watch) that aggregates accounts, cards, PayPal, crypto, securities, bonus programs and retailer accounts from over 4,500 financial institutions into one interface, with zero-knowledge local encryption, cross-device sync, budgeting, savings goals, contract recognition, SCHUFA score viewing and QR-code payment features.
Product overview
Outbank is a German multibanking app providing a unified personal finance management platform. The core product is the Outbank App available for iOS, macOS, Android, and Apple Watch, supporting over 4,500 banks and financial institutions. The company operates on a subscription model with two tiers: Individual Abo (€3.99/month or €39.99/year) for personal finance, and Business Abo (€9.99/month or €99.99/year) for business users. Key integrated features include Secure Sync for cross-device data synchronization, Outbank ID for account management, shopping account integrations (EDEKA, Lidl, REWE, dm, Globus), SCHUFA credit score integration, contract recognition, budget planning, savings goals, reporting analytics, QR code payments, and offline/vacation accounts with currency conversion. Additional programs include an Affiliate Program and Friends Refer Friends referral system.
Differentiator
Problem solved
Functional benefit
Products and services
- Outbank App Multibanking application for iOS, macOS, Android and Apple Watch that consolidates accounts from over 4,500 banks and financial services and delivers secure mobile banking, expense tracking, budgeting, contract management and analytics under a zero-knowledge architecture.
- Outbank Individual Subscription (Individual Abo) Subscription tier for individual end-users that unlocks the full Outbank feature set for personal multibanking, budgeting, savings goals, reporting and Apple-device Secure Sync.
- Outbank Business Subscription (Business Abo) Subscription tier for freelancers and small business owners that adds business-account management, branding-free accounting exports and EPC QR-code invoicing on top of the full Individual feature set.
- Outbank Affiliate Program Partnership program that lets website, blog, video and social-media publishers earn commissions for every referred customer who subscribes to Outbank after the trial period.
- Friends Refer Friends Program (Freunde werben Freunde) Customer-to-customer referral program where existing users earn three free months plus €10 per referred friend who converts to a paid subscription.
Quantifiable outcome
- 4,500+ banks and financial services integrated
- +2 more outcomes
Companies that use Outbank
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles3 records
Outbank technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
Feature7 records
Outbank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor.
- ifok GmbHminorPartner in the 'VerantwortungsWerkstatt' CDR initiative, one of three winners of the Digital Responsibility Award 2026, under funding from Bavarian State Ministry for Environment and Consumer Protection.
- BergzeitminorPartner in the 'VerantwortungsWerkstatt' CDR initiative, one of three winners of the Digital Responsibility Award 2026, under funding from Bavarian State Ministry for Environment and Consumer Protection.
- Bayerisches Staatsministerium für Umwelt und VerbraucherschutzminorBavarian State Ministry for Environment and Consumer Protection backing the Corporate Digital Responsibility initiative that Outbank participates in.
- BVDW (Bundesverband Digitale Wirtschaft)minorGerman Digital Economy Association organizing the Digital Responsibility Award 2026, where Outbank was shortlisted in the top 10.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
Outbank competitors and assessment
Company assessmentDirect peers
- Finanzguru: German multibanking and personal finance management app offering account aggregation, contract detection, and spending analytics. Directly competitive with Outbank in the DACH PFM market, with similar bank connectivity and subscription model.
- StarMoney: Long-established German multibanking software (desktop and mobile) from Star Finanz. Directly competes with Outbank for users seeking multi-bank account aggregation, budgeting, and SEPA payment initiation in Germany.
- WISO Mein Geld: German PFM software from Buhl Data offering multibanking, budgeting, and SEPA transfers. Targets a similar DACH consumer base as Outbank and competes in the same account-aggregation category.
- YNAB (You Need A Budget): Subscription-based personal finance and budgeting app with bank synchronization. Competes with Outbank for budget-conscious consumers willing to pay for premium PFM features, though more focused on zero-based budgeting than aggregation breadth.
- Bankin': European multibanking PFM app with broad bank connectivity and AI-driven spending insights. Direct competitor in the cross-European account-aggregation space and validates the subscription PFM business model.
- Wallet by BudgetBakers: Multi-platform PFM app with bank aggregation, budgeting, and crypto tracking. Targets a similar consumer segment as Outbank across multiple European markets and overlapping feature set.
- Money Lover: Subscription-based personal finance manager with bank sync, multi-currency support, and budget planning. Competes with Outbank in the European PFM subscription tier with comparable multibanking functionality.
Others
- Tink: Visa-owned open banking platform providing account aggregation and PSD2 connectivity infrastructure across Europe. Indirectly comparable as the underlying technology layer that powers multibanking apps including potential Outbank integrations.
Broad incumbents
- N26: European neobank with native multi-account-style spending insights and in-app categorization. A broad incumbent whose free, integrated PFM functionality creates pricing pressure on subscription multibanking apps like Outbank.
- Revolut: Global neobank offering built-in spending analytics, budgeting categories, and account aggregation. Represents the broader incumbent threat that increasingly absorbs PFM use cases into free primary-banking apps.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Outbank social profiles
Digital presenceOutbank compliance and trust
Trust signalCompliance2 records
Outbank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Outbank leadership team
Management profileNumber of profiles
Profiles6 records
Outbank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Outbank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Outbank
What does Outbank do?
Outbank sells a subscription-based multibanking mobile and desktop application (iOS, macOS, Android, Apple Watch) that aggregates accounts, cards, PayPal, crypto, securities, bonus programs and retailer accounts from over 4,500 financial institutions into one interface, with zero-knowledge local encryption, cross-device sync, budgeting, savings goals, contract recognition, SCHUFA score viewing and QR-code payment features.
Is Outbank a public or private company?
Outbank is a private company. It is classified as corporate owned and is currently operating.
When was Outbank founded?
Outbank was founded in 2005. It employs 11 to 50 people.
Where is Outbank based?
Outbank is headquartered in Dachau, Germany, in the Europe region.
How does Outbank make money?
Three revenue lines are on record. Subscription - Individual is the primary driver. The others are subscription - Business and affiliate Program.
Who are Outbank's main competitors?
Direct peers on record are Finanzguru, StarMoney, WISO Mein Geld, YNAB (You Need A Budget), Bankin', Wallet by BudgetBakers and Money Lover. Tink is listed as an others. Broad incumbents are N26 and Revolut.
Does Outbank have an API?
No public API is recorded for Outbank.
What industry is Outbank in?
Outbank's product category is Personal Finance Management Software. Its primary akta.pro industry code is FSAGAAAD, Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value).