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Offline-first by design
Every record is in an encrypted SQLite database on your phone. Works in airplane mode.
MoneyWise vs 뱅크샐러드
MoneyWise vs 뱅크샐러드
뱅크샐러드 (Banksalad) is the dominant personal-finance app in South Korea, connecting to Korean banks, cards, and insurance accounts with a built-in AI financial assistant. It is free, monetized through financial product recommendations. MoneyWise offers local-first privacy, global multi-currency support, and BYOK AI — designed for users who need privacy and international flexibility beyond the Korean financial system.
Two ways to track your money. 뱅크샐러드 is South Korea's largest personal-finance aggregator with built-in AI. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | 뱅크샐러드 | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | Free |
| Platforms | ||
| iOS | ✓ | ✓ |
| Android | — | ✓ |
| Web | — | ✓ |
| macOS | — | — |
| Windows | — | — |
| Linux | — | — |
| Features | ||
| Multi-currency | ✓ | — |
| Offline-first | ✓ | — |
| Local encryption | ✓ | — |
| Optional cloud sync | ✓ | ✓ |
| BYOK AI (your key) | ✓ | — |
| Built-in AI (no key) | ✓ | ✓ |
| Investments | ✓ | ✓ |
| Budgets | ✓ | ✓ |
| Receipt photos | ✓ | — |
| Voice input | ✓ | — |
| Automatic bank sync | — | ✓ |
| Family sharing | ✓ | — |
| No ads | ✓ | ✓ |
| No trackers | ✓ | — |
| Open source | — | — |
Where MoneyWise is different
▲
Bring your own AI key
Plug in your Anthropic or OpenAI key. Insights run with no extra subscription. Or use pooled credits in Pro.
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Multi-currency from day one
Hold accounts in any currency. Convert with daily rates. No 'home currency only' lock-in.
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No ads, no trackers
Nothing leaves your device unless you turn on optional encrypted sync. We literally cannot read your data.
AI you control
An advisor that runs on your terms
Most finance apps either don't have AI, or send your transactions to a vendor's server. MoneyWise lets you choose: bring your own Anthropic or OpenAI key, or use Pro's pooled credits. Either way, the AI sees only what you ask it to see.
- → Keys stored in iOS Keychain — never on our servers
- → Daily Brief, monthly summaries, and ad-hoc Q&A
- → Skip AI entirely — every other feature still works
Privacy, not a feature
Your data stays on your phone.
MoneyWise is built local-first. No ads, no trackers, no data sale — ever.
Offline-first
Every record is stored locally in an encrypted SQLite database. Works with airplane mode on.
Optional cloud sync
Sync across your own devices when you turn it on. Rows are encrypted at rest; we can't read them.
BYOK AI
Bring your own Anthropic or OpenAI key. Keys live in the iOS keychain and never transit our servers.
Which one is right for you?
Choose MoneyWise if MoneyWise
You handle multiple currencies, want your financial data stored locally on your device with no trackers, need a BYOK AI advisor that processes your data on your own terms, or you are outside South Korea where Banksalad's Korean financial system integration does not apply.
Choose 뱅크샐러드 if
You are based in South Korea, want free automatic aggregation of all your Korean bank accounts, credit cards, and insurance policies, and are comfortable with a recommendation-based monetization model.
Pricing
Free for everyday use. Pro when you need more.
No trial games. No dark patterns. Cancel any time in the App Store.
Free
Everything you need on a single device.
$0
- ✓ Unlimited records, accounts, and budgets
- ✓ Investments and portfolio tracking
- ✓ AI advisor (bring your own key)
- ✓ Local encrypted storage
Pro
Pro
Sync, backup, and more across every device.
7-day free trial
$49.99 /yr
or $6.99/mo
- ✓ Everything in Free
- ✓ Multi-device encrypted cloud sync
- ✓ Automatic cloud backup
- ✓ Receipt and attachment photos
- ✓ Pooled AI credits (no API key needed)
Take back control of your money.
Free to download. Pro subscription optional.
Android · Direct download
APK · Android 8+ · Pro upgrade via Play Store
Mac App Store
Coming soon · Mac App Store
iPad
In development
Apple Watch
In development
Frequently asked questions
Is Banksalad available outside South Korea? +
Banksalad's core feature is integrating with Korean banks, credit cards, and financial institutions. It is designed exclusively for the Korean financial system. MoneyWise works globally and supports multi-currency accounts out of the box.
Is Banksalad really free? +
Yes — Banksalad is free to use. The app earns revenue by recommending financial products (insurance, loans, cards) based on your financial data. MoneyWise is also free on a single device; Pro is $6.99/mo or $49.99/yr with no data-based product recommendations.
Does Banksalad have AI features? +
Yes — Banksalad has a built-in AI financial assistant (금융 비서) that analyzes your spending and suggests financial products. MoneyWise Pro offers BYOK AI: you plug in your own Anthropic or OpenAI key, so your financial data never flows through a third-party AI pipeline.
Does Banksalad support multiple currencies? +
Banksalad is designed for the Korean market and KRW. It does not support multi-currency account tracking. MoneyWise supports accounts in any currency with daily exchange rates.
Does Banksalad store my data locally or in the cloud? +
Banksalad syncs all linked account data to its cloud servers. MoneyWise stores everything in an encrypted database on your device. Cloud sync in MoneyWise is optional and end-to-end encrypted.
How does Banksalad's business model affect my privacy? +
Banksalad is free because it analyzes your financial profile to recommend products — your data informs its recommendation engine. MoneyWise has no trackers and earns revenue only through Pro subscriptions, so your data is never analyzed for product matching.