The budget app for expats with banks in more than one country

Monya is a budget app for expats and digital nomads. It works with any bank in any country because it never connects to your bank: you log spending by voice or with a screenshot of your banking app, and on Android bank notifications become entries automatically. Cards, cash and savings in dozens of currencies sit in one budget.

Try in browser or download the Android app (APK)

Free version forever. Premium comes with a free trial.

Why bank sync fails abroad

Apps like YNAB, Monarch and Copilot import transactions through bank aggregators, which mostly cover banks in the US and parts of Europe. A card from a bank in Thailand, Turkey or Mexico usually can’t be connected, so you’re back to typing every purchase by hand. And the home card, the local card and the cash in your pocket end up in three different places.

How Monya handles it

Any bank. Say the expense or screenshot the banking app. Monya doesn’t need a list of supported banks.
Every currency in one budget. Each account keeps its own currency; reports and budgets show totals in your main currency at current rates.
Spend in one currency, pay from another. “Dinner 1,200 baht from the Wise card” is recorded correctly.
Transfers between your own accounts, including between currencies, by voice too.
Trip mode collects spending from a trip separately, so a visa run or a holiday has its own total.
Reconcile with a photo. Photograph your bank balance and Monya finds what’s missing.

A month for an expat in Bangkok

Account	Currency	What goes there
Home bank card	EUR	Subscriptions, flights, insurance
Local bank card	THB	Rent, groceries, utilities
Wise card	multi	Travel, online purchases
Cash	THB	Street food, taxis, markets

All four show up in one monthly report and one budget, in the currency you choose.

Speaks your languages

Monya understands 18 languages, so you can record spending in the language you think in, wherever you live.

FAQ

Can I use Monya with a bank that YNAB or Monarch don’t support?

Yes. Monya never connects to banks, so any bank works: you record by voice, screenshot or, on Android, from bank notifications.

How does Monya handle exchange rates?

Each account keeps its own currency. Reports and budgets convert to your main currency at current rates.

Can I share a budget with my partner?

Yes. One Premium subscription covers the whole family, and personal spending can stay separate.

Can I bring my history from another app?

Monya imports bank statements in CSV and data from other budget apps.

Is there a free version?

Yes, with manual entry, 2 accounts, reports, budgets and 5 AI entries a month. Premium starts with a free trial.

Put your home card, your local card and your cash in one budget

Try in browser or download the Android app (APK)