Bibiis, piece by piece.
Four pieces that, taken one by one, you've seen elsewhere. All together, on your real data, in a single product: that's the difference.
Every account. Under a minute.
PSD2 Open Banking through licensed providers: the flow you already know from your banking app. Connect an account in under a minute, and updates flow automatically forever. Prefer manual? Same experience, same AI, same power.
- Manual entry always available, even without Open Banking
- Multi-bank: checking, savings, credit cards, everything
- Webhook-driven auto-sync, zero touch from you
- Multi-currency native: EUR, CHF, USD with daily ECB rates
The intelligence working for you, quietly.
Bibiis reads every transaction, renames it into clear names, groups it by pattern, categorizes it automatically. A new monthly charge? Probably a subscription, flagged. A spending spike? Highlighted with context. You see a clear picture, the AI has already done the work.
- Semantic renaming of transactions into readable names
- Pattern grouping (refunds, retries, splits, internal transfers)
- Auto-categorization, even on brand-new merchants
- Detection of rent, utilities, subscriptions, even forgotten ones
- Anomaly detection: spending spikes, double-charges, suspicious flows
From "I want" to "I can", with a realistic plan.
Got a goal? A trip, an emergency fund, a car, a home. Bibiis breaks the number into realistic recurring contributions, based on your actual income, not an average. It accounts for fixed expenses, other goals, irregular income. And net worth gives you the whole picture: assets, debts, 12-month trajectory.
- Goals with AI-generated plans calibrated on real income
- Pace tracking: "€83 ahead" or "€120 behind"
- Full net worth: accounts, investments, real estate
- 12-month projections on your total wealth
A coach you can actually talk to.
The interface is simple, the intelligence underneath isn't. Ask in natural language, from descriptive ("how much did I spend on food in March?") to strategic ("can I afford €1,200 rent?"). Answers come with your full context: concrete numbers, realistic timeframes, actionable suggestions. No chatbot disclaimers.
- 26 integrated AI tools: data queries, goal management, simulations
- Multilingual: you ask in your language, you get answered in your language
- Persistent memory: your preferences stick
- Answers include charts, progress bars, and summary cards
From "just signed up" to "got it".
Four actions. Under 5 minutes. That's the moment you'll know if Bibiis works for you.
Nothing magical. Just well-built.
Bibiis is a finance app. Security isn't a feature, it's the starting point.
Your bank, not us, asks for permission.
Exactly like when you connect PayPal to your bank. Bibiis never sees your PIN, your password, your card number. The whole flow goes through licensed and PSD2-supervised providers in the EU, and regulated financial infrastructure in Switzerland.
Your data stays in Europe.
Servers in the European Union, encrypted at rest and in transit. Each user only sees their own data: it's a technical block, not a promise. GDPR-compliant by design.
No financial advice. No trades.
Bibiis provides financial education, cash-flow visibility, budgeting and goal coaching. We don't offer regulated investment advice (MiFID II), we don't execute orders, we don't hold client funds. The perimeter is clear, and it protects you.
Built in Europe.
We operate between Italy and Switzerland, with a legal architecture built to be transparent for users and regulators alike.
Stop guessing.
60 seconds to try it free. No card. No expiry. No spam.