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
PSD2 · secure link
Intesa Sanpaolo
€ · •••• 4127
Revolut
€ · •••• 8830
UBS
CHF · •••• 2201
All in one place
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 your bank
CRV*SPESA MI 4829
−€54,30
PP*NETFLX 4029
−€12,99
SUMUP*BAR CENTRALE
−€8,50
TWINT UBS 992114
−CHF 4,40
GLOVO 23JUN 8812
−€16,40
Groceries
0/1
Subscriptions
0/1
Eating out
0/2
Transport
0/1
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
Interrail · August
On trackof €1,200
€60/weekA 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
Bibiis Coach
Online
From "just signed up" to "got it".
Four actions. Under 5 minutes. That's the moment you'll know if Bibiis works for you.
01 · Connect
< 60s
What you do
Link a bank or add a manual transaction
What happens
Initial snapshot: net worth, top categories, subscriptions detected
02 · Ask
< 15s
What you do
"Can I afford X?" or "where did my money go?"
What happens
Personalized answer with concrete numbers and clear reasoning
03 · Decide
< 30s
What you do
Create a goal or accept the AI plan
What happens
Goal split into recurring milestones with concrete steps
04 · Return
Whenever
What you do
Open the app or get a scheduled notification
What happens
Progress, risk flags, next action recommended
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.
Your data stays yours.
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. Deletable any time.
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 in Europe, with a legal architecture built to be transparent for our users.
Stop guessing.
60 seconds to try it free. No card. No expiry. No spam.