MoneyMoney

What MoneyMoney does

MoneyMoney, operated by MRH applications GmbH, is a Berlin-based software company founded in 2012 that develops a native macOS banking application of the same name. The product connects to over 6,500 banks across Europe using the FinTS/HBCI and PSD2 protocols, consolidating checking accounts, savings, credit cards, securities, PayPal, and offline accounts into a single interface. It supports 40+ security procedures including HBCI chip cards, mobileTAN, pushTAN, photoTAN, and chipTAN variants, and stores all credentials and transaction data in an AES-256 encrypted local database. The company serves primarily German and European Mac users who manage multiple bank accounts and want a consolidated financial overview without logging into individual bank websites. Secondary users include freelancers and small businesses who need direct debit collection capabilities and accounting software export functionality.

The company operates a product-led, direct-to-consumer distribution model. The base MoneyMoney license is sold for 39.99 EUR as a one-time perpetual license, with an optional 49.99 EUR in-app purchase for direct debit collection functionality. Distribution is through the company website (moneymoney.app) and the Apple Mac App Store, where the software holds a 4.9/5 rating from 1,390 reviews. Marketing relies on press coverage from MacLife, heise.de, and ifun.de, plus a free trial download model. The company is bootstrapped with no external funding, no parent company, and no disclosed acquisitions, and it maintains a small team of 11-50 employees.

The product's technical architecture is differentiated by its local-first approach: data never leaves the user's Mac, in contrast to cloud-based competitors. Notable features include Sm@rtPaste (automatic parsing of copied bank transfer details), real-time transaction search, automatic categorization with split bookings, graphical budget visualization, and integrations with complementary Mac financial tools (BudgetBudget, GrandTotal, Receipts, Umsatz, E-Invoice Space). The application supports English and German interfaces and includes native macOS integration with dark mode support. No AI/ML capabilities are evident in the current product.

Name

MoneyMoney

Legal name

MRH applications GmbH

Website

https://moneymoney-app.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

MoneyMoney is a Berlin-based software company that develops a native macOS banking application connecting to over 6,500 European banks via FinTS/HBCI and PSD2 protocols, serving individual Mac users and freelancers seeking consolidated multi-bank account management with local encrypted storage.

Ownership category

akta.pro rank

Product category

Personal Finance Management Software

akta.pro primary industry

Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)

akta.pro secondary industry

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

Keywords

• MacOS banking software
• Online banking app
• FinTS HBCI banking
• Personal finance management
• Multi-bank aggregation

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Base Software License: One-time perpetual license fee for base MoneyMoney application with core banking features including account aggregation, transfers, categorization, and visualization
2. In-App Feature Purchases: Additional premium features available as separate in-app purchases, such as direct debit/sepa collection functionality for 49.99 EUR

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

MoneyMoney is a native macOS online banking application that aggregates accounts from more than 6,500 European banks (Girokonten, Tagesgeld, Festgeld, Kreditkarten, Wertpapierdepots, Bausparverträge, Darlehenskonten, Fremdwährungskonten, PayPal, cash and offline accounts) via the FinTS/HBCI and PSD2 protocols. It consolidates balances and transactions into a single encrypted local database, enables transfers (instant, scheduled, standing, bulk, foreign, SRZ), supports automatic transaction categorization with rules and split bookings, provides graphical budget visualization, and includes a Sm@rtPaste feature that parses copied bank transfer text. An optional 49.99 EUR in-app purchase adds direct debit collection and bulk direct debit capabilities.

Product overview

MoneyMoney is a single unified macOS banking application offered as a base version (39.99 EUR one-time) plus optional in-app purchases. The base version provides comprehensive account management including transfers, categorization, budgets, and graphical analysis, while a separate 49.99 EUR in-app purchase adds direct debit collection functionality. The product supports HBCI/FinTS and PSD2 protocols for connecting to over 6,500 European banks.

Differentiator

Problem solved

Functional benefit

Products and services

• MoneyMoney (Base Version) Core macOS banking software for individual Mac users and freelancers that provides a consolidated view of more than 6,500 European bank accounts, transfers (instant, scheduled, standing, bulk, foreign), automatic transaction categorization with split bookings, real-time search, electronic bank statement retrieval, budget tracking with monthly/quarterly/yearly graphical views, securities portfolio display, and import/export (CSV, QIF, OFX, QFX, CAMT, MT940, Excel, Numbers).
• Lastschrifteinzug und Sammellastschriften (In-App Purchase) Optional add-on for MoneyMoney that enables businesses and freelancers to collect direct debits (Lastschrifteinzug) and submit bulk direct debits (Sammellastschriften) through supported bank accounts, priced at 49.99 EUR one-time.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• YNAB: You Need A Budget (YNAB) is a subscription-based personal budgeting app with bank connectivity. It competes with MoneyMoney in the budgeting/financial planning space but uses zero-based budgeting methodology and focuses primarily on US/UK markets with English-language UX.
• Quicken: Quicken is an established PFM and personal budgeting software suite with cross-platform support. While its core market is North America, it competes with MoneyMoney in the consumer PFM category with similar budgeting and transaction categorization features and a long-standing subscription model.
• Buhl Data: Buhl Data is the publisher of WISO Mein Geld, WISO Steuer, and a broad suite of German financial software. As the parent of MoneyMoney's primary direct competitor, Buhl represents a much larger incumbent with substantially greater resources for product development and marketing.
• Lexware Finanzmanager: Lexware Finanzmanager is part of Haufe-Lexware's broader financial software suite for German SMEs. While it includes banking aggregation like MoneyMoney, it focuses on holistic business financial management and accounting workflows rather than pure consumer PFM.

Emerging players

• GnuCash: GnuCash is a free, open-source accounting and personal finance application available on macOS. While it does not match MoneyMoney's deep bank connectivity, it overlaps in personal finance management, double-entry accounting, and budgeting for technical Mac users willing to invest setup effort.

Direct peers

• StarMoney: StarMoney is a long-established German banking software from Star Finanz (Sparkassen subsidiary). It competes directly with MoneyMoney on multi-bank account management, FinTS/HBCI bank connectivity, and consumer PFM features in the German market.
• Outbank: Outbank is a German multi-bank aggregation app available on macOS, iOS, and Android. It is a direct competitor to MoneyMoney with similar FinTS/HBCI-based multi-bank connectivity, transaction management, and recurring payment support across European banks.
• Finanzblick: Finanzblick is a German PFM mobile and web app by Subsembly (a Star Finanz spin-off) supporting FinTS/HBCI bank aggregation. It competes directly with MoneyMoney's multi-bank aggregation and categorization capabilities in the German consumer market.
• WISO Mein Geld: WISO Mein Geld is Buhl Data's consumer multi-bank PFM software for Windows targeting German households. It competes directly with MoneyMoney on FinTS/HBCI bank aggregation, budgeting, and financial visualization features, though it lacks native macOS support.

Regional players

• Bankin': Bankin' is a European PFM app primarily serving the French market with multi-bank aggregation and budgeting. It offers similar functionality to MoneyMoney but operates in a different geographic focus with primarily French-language UX and PSD2-focused integrations.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/moneymoneyapp
• Facebookfacebook.com/MoneyMoneyApp
• LinkedInlinkedin.com/company/mrh-applications-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MoneyMoney