AuraInsights: frequently asked questions

Banks

Does AuraInsights work with my Romanian banks?

Yes. AuraInsights connects ING, Banca Transilvania, BCR, Raiffeisen, Revolut and 2,000+ other EU banks through read-only open banking, and shows every account in one total next to your cash. Full answer

Safety

Is my bank data safe with AuraInsights?

Access is read-only. AuraInsights connects to your bank through a licensed account-information provider under PSD2; it can read balances and transactions and cannot start payments. Full answer

What is PSD2 Open Banking?

PSD2 (Payment Services Directive 2, directive 2015/2366/EU) is an EU regulation that allows licensed apps to securely access bank account data — read-only — with your explicit consent. It is the same standard used by banks and major financial institutions across Europe. Full answer

Is my bank connection safe?

Access is read-only. AuraInsights connects to your bank through a licensed account-information provider under PSD2; it can read balances and transactions and cannot start payments. Full answer

Is AuraInsights a bank?

No. AuraInsights is not a bank and not a payment institution; it cannot make payments. Full answer

Prices

Is there a free plan or a free trial?

There is no free plan and no lifetime plan. Every plan starts with a 14-day free trial through the App Store or Google Play. Full answer

Which plan includes bank sync?

Bank sync starts with the Sync plan (17.99 RON a month), which connects 2 bank accounts. The Vision plan (29.99 RON) connects any number of accounts. Full answer

Can I switch plans later?

Yes, you can upgrade or downgrade your plan at any time through your App Store or Google Play subscription settings. Changes take effect at the start of your next billing cycle. Full answer

Is a credit card required for the free trial?

The 14-day trial is processed through the Apple App Store or Google Play, so a payment method must be associated with your store account. You will not be charged until the trial ends. Full answer

What happens when the trial ends?

At the end of your 14-day trial your chosen plan renews automatically and you are billed the standard subscription price. You will receive a reminder notification before this happens. Full answer

Features

Is AuraInsights good for seeing cash and bank balances together?

AuraInsights shows bank accounts and cash in one total. Bank balances arrive automatically from ING, Banca Transilvania, BCR, Raiffeisen, Revolut and 2,000+ EU banks, with read-only access. Full answer

Which iPhone app tracks cash and bank accounts together?

On iPhone, AuraInsights keeps cash and bank accounts in the same total. You create a cash wallet with a starting amount, then add cash spending by hand or by scanning the receipt. Full answer

How is AuraInsights different from my bank's own app?

Your bank's app only shows one institution. AuraInsights aggregates all your accounts — ING, Revolut, BT, BCR, physical cash — into a single view, then adds AI categorization, spending insights, habit tracking, and multi-currency analysis that no individual bank app offers. Full answer

Which Romanian banks work with AuraInsights?

ING, Banca Transilvania, BCR, BRD, Raiffeisen, CEC Bank, UniCredit, Libra Internet Bank and Revolut, and more than 2,000 other EU banks. The full catalogue is in the table above. Full answer

Can AuraInsights make payments from my account?

No. Access is read-only: the app sees balances and transactions, and payments cannot be started. Full answer

How often do I renew access?

Each bank sets it, at most every 180 days. You tap once in the app, then confirm at your bank. Full answer

Can I see accounts from several banks in one total?

Yes, together with cash, converted to the currency you choose. Full answer

What if my bank is missing?

Track that account with a cash wallet, with manual entries or by importing a bank statement (CSV, Excel, MT940, CAMT.053 or PDF). Full answer

Do I have to enter expenses by hand?

Not for connected bank accounts on the Sync and Vision plans. Cash is entered by hand or from a scanned receipt. Full answer

Can I correct a category?

Yes, and the app remembers the correction for that merchant. Full answer

Does it scan receipts shown on a screen?

Yes, printed and on-screen. Full answer

Does it work on iPhone and Android?

Yes, both. Full answer

Does AuraInsights give financial advice?

No. It shows information about your own spending; it is not financial advice. Full answer

Can I import a bank statement?

Yes. You can import a bank statement as a CSV, Excel, MT940, CAMT.053 or PDF file. Full answer

Can I set spending limits in AuraInsights?

Yes: per category, per account or for a period. Full answer

When do I get alerts?

At 50%, 75%, 90% and 100% of a limit, then at every further 25%. Full answer

Are budgets included in the Essentials plan?

Yes, in every plan. Full answer

Can I keep a budget in euros?

Yes; each budget has its own currency. Full answer

Can I share a budget with my partner?

No. A budget belongs to one user account. Full answer

How many currencies does AuraInsights support?

13: RON, EUR, USD, GBP, JPY, AUD, CAD, CHF, PLN, DKK, SEK, NOK, HUF. Full answer

How often do exchange rates update?

Once a day. Full answer

Can I see my total in euros instead of lei?

Yes; you choose the main currency. Full answer

Is it in every plan?

Yes. Full answer

Which budget apps connect to Romanian banks?

The table confirms AuraInsights, and for Spendee it confirms that Romania is on its list of countries with bank connection. For the other apps, Romanian banks are not verified. Full answer

Is there a free budget app that connects to the bank?

We could not verify one. Spendee has a free plan, but bank connection is part of Premium; Monavo and Money in Motion are free or have a free plan, but we found no bank connection for them. Full answer

Does AuraInsights have a free plan?

No. It has a 14-day free trial, then plans from 11.99 RON a month. Full answer

Who wrote this comparison?

The AuraInsights team. Sources are linked in the table and were checked on the date shown on the page. Full answer

How do I see all my bank accounts in one place?

Either you collect them yourself in a spreadsheet, or you use an app that reads them through open banking. In the second case you choose your bank, log in there and approve read-only access. Full answer

Is it safe to connect my account to an app?

Access is read-only: the app sees balances and transactions and cannot make payments. You log in on your bank’s own page, and the connection runs through a licensed provider under PSD2. Full answer

Can I track cash too?

Yes. In a spreadsheet you note cash yourself; in an app you put it in a cash wallet, by hand or from a scanned receipt. Full answer

How do I make a monthly budget?

Write down your income, subtract fixed bills, set a limit for the rest and split it into a few categories. Then look once a week at how much you have spent. Full answer

How much of my salary should I put aside?

It depends on your income and fixed costs; there is no figure that fits everyone. The 50/30/20 rule is a commonly used rule of thumb, not financial advice. Full answer

Which budget app should I use?

It depends on whether you want a bank connection, what you pay and which phone you have. See the comparison, with linked sources. Full answer

Which languages does the app come in?

The app comes in 9 languages: English, Romanian, Spanish, French, German, Italian, Polish, Portuguese and Hungarian. The website is in Romanian, English and Hungarian.

Account

Can I export my data if I cancel?

Yes. Under GDPR you have the right to your data at any time. Full answer

How do I delete my account and data?

In the app’s privacy and security settings you choose to delete the account and confirm. The account and its data are deleted, and encrypted backup copies can remain for at most 30 days.

How do I cancel my subscription?

The subscription is managed in the subscription settings of the App Store or Google Play, where you started it. You can cancel it there.

How do I contact the team?

Write to [email protected]. For requests about personal data we aim to reply within 30 calendar days.

Who makes AuraInsights?

TINO DNT SOFTWARE S.R.L., in Cluj-Napoca. Contact: [email protected]. Full answer