How to See All Your Bank Accounts in One App (Europe, 2026)

The average European household holds 4 to 6 financial accounts: a salary account, a savings account, a neobank card, a broker, maybe a pension pot and a crypto exchange. Each one has its own app, its own login and its own idea of what your money is doing. None of them tells you the one number that matters — your total.

Getting all your bank accounts in one app is no longer a hack. Since PSD2, every licensed bank in the EEA must open a secure API to regulated third parties you authorise. This guide explains how that works in practice, what to look for, and where aggregation still breaks.

What account aggregation actually is

Aggregation means a single app reads — with your explicit consent — the balances and transactions from accounts you hold elsewhere. It is read-only by default: an aggregator that only needs to show your data never gets permission to move money.

• You authenticate at your own bank, not in the app. Credentials are never typed into a third party.
• Consent is time-boxed. Under PSD2 rules, access must be re-confirmed periodically (typically every 90–180 days).
• You can revoke at any time, from the aggregator or from your bank's own settings.

The four things a good multi-bank app must do

1. Cover the banks you actually use

Coverage is the whole game. An app that connects to Deutsche Bank, BNP Paribas, Santander, HSBC and Crédit Agricole but not to your local savings bank still leaves you with two dashboards. Check the supported-institution list before you commit, and check whether brokers and crypto exchanges are included — most European finance apps stop at current accounts.

2. Categorise transactions without constant babysitting

Raw feeds are useless. The value appears when supermarket runs, rent, subscriptions and transfers are sorted automatically, in your language, with merchant names cleaned up. A good expense tracker learns from your corrections instead of asking for them every month.

3. Handle multiple currencies honestly

If you hold EUR, CHF, GBP or USD, your net worth changes even when you spend nothing. The app should convert at a dated rate, show the base-currency total, and keep the original amount visible on each transaction — not silently round everything into euros.

4. Turn the data into decisions

A balance is a fact; a recommendation is useful. Modern apps use AI to flag a subscription that doubled, a month where fixed costs crossed 55% of income, or savings sitting idle in a zero-interest account.

Aggregation vs. manual tracking vs. spreadsheets

Approach	Effort	Accuracy	Best for
Spreadsheet	High — monthly data entry	Drifts quickly	Full control, few accounts
Single-bank app	None	Perfect, but partial	People with one bank
Aggregator app	One-time setup	Near real-time across banks	Multi-bank, multi-currency households

Common problems (and fixes)

• A connection keeps dropping. Usually an expired PSD2 consent — re-authorise in the app; it takes under a minute.
• Duplicate transactions. Happens when a card and its parent account are both linked. Link the account, exclude the card feed.
• A bank isn't supported. Most aggregators allow a manual account so the asset still counts toward net worth even without a live feed.
• Missing historical data. PSD2 APIs typically return 90 days of history. Import an older statement once to seed your trends.

Is it safe?

Aggregators operating in the EEA must be licensed as Account Information Service Providers and supervised by a national regulator. Combined with strong customer authentication, read-only scopes and GDPR data rights, the security model is stronger than the old practice of sharing your online-banking password with a screen-scraping tool.

How Finch approaches it

Finch connects European banks, brokers and crypto accounts into one balance sheet, converts everything into your base currency, categorises transactions automatically and adds an AI finance coach that explains what changed and what to do next. It is a coach, not a product-pushing advisor — no commissions, no hidden placement.

If you're still opening four apps to answer one question, aggregation is the single highest-leverage change you can make to your financial routine this year.