Copilot Money Alternative — Martia vs Copilot Money (2026 Comparison)

Copilot Money organises American accounts. Martia organises European ones. Same idea, different continent.

Adam Przywarty

martia.ai

April 2026|12 min read

Copilot Money is one of the best-designed personal finance apps in existence. Beautiful interface, mature automatic categorisation, native apps on iPhone, iPad and Mac. It just can't see your account at N26. Or Revolut. Or ING.

Copilot Money is only available in the United States and only connects to American financial institutions. For anyone banking in Europe or the UK, that means one thing: whatever Copilot does brilliantly, it does it for someone else. Martia is built for the same problem — multi-bank aggregation, auto-categorisation, budgeting — but over PSD2, with European banks.

This article compares both apps honestly. What Copilot does better (and when you should still pick it), what Martia does differently, and what switching from one to the other actually looks like.

Key takeaways

Copilot Money is US-only — it doesn't connect to European banks, EUR/GBP or the PSD2 standard
Martia connects to major European banks (N26, Revolut, Monzo, ING, Santander, BNP Paribas, HSBC, Commerzbank and more) — through GoCardless Bank Account Data
Price: Copilot $95 per year (~€88), Martia is free during early access
Copilot wins on AI maturity, net-worth tracking (stocks, crypto, real estate via Zillow) and native Apple apps
For a European user the decision isn't "better vs worse" — it's "available vs not available"

What does Copilot Money offer?

What is Copilot Money?

Copilot Money is an American personal finance app whose tagline reads "Your money, beautifully organised." Founded in 2019 in New York, it positions itself as the successor to Mint, with a strong emphasis on design and automation. More on copilot.money.

Copilot aggregates bank accounts, credit cards, stock portfolios, crypto wallets and home values (via a Zillow integration) into a single dashboard. Its AI-driven categorisation learns from each user — it tags transactions, identifies subscriptions and summarises monthly cash flow automatically.

The interface is one of the app's strongest points. Copilot does design better than most of its competition — native apps for iPhone, iPad and Mac, consistent aesthetics, smooth animations and gestures. That's a large part of why it has a loyal US user base.

Copilot Money's main features

AI transaction tagging. Budgets with rollover (unused balances carry into the next month). Monthly cash-flow summaries and trend analysis. Subscription detection and monitoring. A consolidated net-worth dashboard covering bank accounts, stocks, crypto and home values. Live investment performance tracking. Portfolio allocation visualisation.

Pricing is $95 per year or $7.92 per month billed annually (per copilot.money, April 2026). A free trial is available before you connect any accounts.

Where Copilot Money beats most competitors

Three things. Design — no other PFM app has an interface this polished. Net-worth depth — Zillow integration gives automatic home valuations without manual entry, alongside stocks and crypto. AI maturity — several years on the market means categorisation works with minimal manual correction. If you live in the US and manage a complex portfolio, it's hard to beat.

Copilot's wall — geography

Copilot Money only connects to banks in the United States — over Plaid. It doesn't support European banks, doesn't speak PSD2 and doesn't work with any institution outside the US. On copilot.money/country-leaderboard users vote on countries the app should expand to — the UK, Germany, France, the Netherlands, Poland and others are on the list, but the company hasn't confirmed a timeline or a single market. For a European user this isn't a "wait and see". It's "use something else".

Where Martia does it better for European users

Martia is a European personal finance app built from the ground up for users banking inside the EU and the UK. It solves the same problem Copilot does — multi-bank aggregation, auto-categorisation, budgeting — but through local banking infrastructure. The difference isn't cosmetic. For a European user, Martia is the only one of the two that actually works.

Integrates with European banks over PSD2

Copilot: zero European banks. Martia: hundreds across the EU and the UK — including N26, Revolut, Monzo, Wise, ING, Santander, BNP Paribas, HSBC, Commerzbank and every major national bank. Connecting an account takes 2-3 minutes — you log in through your bank's own screen and Martia gets read-only access to your transactions. Under the hood it runs on GoCardless Bank Account Data, regulated by the FCA and aligned with the EBA's PSD2 technical standards. It's the same mechanism Copilot uses for the US, just built for the European banking rails. (All of that infrastructure exists because the EU mandated it by law in 2018.)

For more on how the bank link actually works, read how to connect a bank account to a budget app.

European context in categorisation and UI

Martia categorises transactions against European merchant patterns. Lidl, Aldi, Albert Heijn, Carrefour, Biedronka → groceries. Shell, BP, Total → fuel. TfL, Deutsche Bahn, SNCF → transport. Revolut, Wise, SEPA transfers — recognised from local patterns, not a US merchant dataset. Amounts are shown in EUR or GBP depending on your account. For a deeper dive, see how automatic expense categorisation works.

Price: €0 vs ~€88 per year

Copilot costs $95 per year — roughly €88. Martia is free during early access. The more important cost difference is further down the stack: if you pay for Copilot and your accounts are European, you're paying for something that can't see your transactions. Martia gives you the full product at €0 because it's built for the bank where your money actually lives.

For the broader European market, see our ranking of the best finance apps in Europe for 2026.

Copilot Money vs Martia — comparison table

The table covers 11 criteria — from geographic availability to platforms and privacy. A highlight marks the advantage in that row, not an overall "winner".

Criterion	Copilot Money	Martia
Availability in Europe	Unavailable — US App Store only	EU + UK — works natively
European bank integrations	0	Hundreds (N26, Revolut, Monzo, ING, Santander, BNP, HSBC and more)
Currency	USD	EUR and GBP
Annual price	$95 (~€88) — subscription	€0 (early access)
Setup for a European user	Not possible — no EU integration	2-3 minutes via PSD2
Open Banking protocol	Plaid (US)	GoCardless / PSD2 (EU / UK)
AI categorisation maturity	Mature (since 2019), US merchant data	Younger, European merchant data
Net worth (stocks, crypto, property)	Zillow + portfolio + crypto	Not offered in v1
Platforms	iOS + iPad + Mac + Web	Web + mobile responsive
Data protection regime	US privacy law	GDPR + PSD2
Product maturity	5+ years in the US market	Early access, European team

Recommendation: Copilot Money if you live in the US, actively manage stocks or crypto, and want the most polished iOS/Mac experience available. Martia if you live in Europe or the UK, bank with a European institution, and want your budget to update itself in EUR or GBP.

Banking with N26, Revolut, Monzo or ING?

Martia links up in 2-3 minutes via PSD2. Copilot won't — not in 2026.

Try Martia for free →

When to switch from Copilot Money to Martia

The choice isn't about which app is "better". Both solve the same problem well, just for different markets. Honest user profiles below — if one describes you, the decision is simple.

Copilot Money is for you if...

You live in the US and bank with a US institution (Chase, Wells Fargo, Bank of America, Schwab). You actively invest — stocks, crypto, property — and want a single net-worth dashboard covering all of it. You value design above everything; a polished native iOS/Mac interface is the deciding factor. $95 a year is a reasonable price because you use the app daily and it works exactly the way you want.

Switch to Martia if...

You live in Europe or the UK. Your accounts are with at least one European bank — N26, Revolut, Monzo, Wise, ING, Santander, BNP Paribas, HSBC, Commerzbank or similar. You want a daily spending tracker in EUR or GBP with automatic categorisation that understands European merchants. You voted for your country on copilot.money/country-leaderboard and you don't want to wait for Copilot to officially arrive. You don't need stock or crypto tracking — you need an answer to "how much did I spend on groceries this month and will it last until payday".

The Martia Geography Test

The Martia Geography Test is a simple way to settle the choice between Copilot and Martia. The rule: if the main account you use every day is with a European bank, there is only one option. Not because Copilot is "worse". Because Copilot doesn't exist for your account.

For more European options, see our best household budget app ranking for 2026 or the Mint alternative guide for Europe.

Frequently asked questions

Why Martia instead of Copilot Money?

Copilot Money doesn't connect to European banks — it only supports financial institutions in the United States. If your main account is with N26, Revolut, Monzo, ING, Santander or any other European bank, there is no way to link it to Copilot. Martia connects to major European banks via PSD2 (through GoCardless) — it pulls transactions automatically, categorises spending and gives you a full view of your money. It also has a European-ready interface and is free during early access.

Does Copilot Money work in Europe or the UK?

No. Copilot Money is only available in the US App Store and only supports American financial institutions. It doesn't connect to European banks, it doesn't support EUR or GBP as base currencies, and it doesn't speak to PSD2. On copilot.money/country-leaderboard users can vote for which country the app should launch in next — the UK, Germany, France, the Netherlands and others are on the list, but the company hasn't committed to a timeline.

Is it hard to migrate from Copilot Money to Martia?

Migration comes down to connecting your European accounts to Martia — it takes 2-3 minutes via PSD2 and you never hand over your bank password. Historical data from Copilot (if you have US accounts) doesn't move across automatically, but Copilot lets you export transactions to CSV. For most European users this point is moot — you stop trying to force Copilot to work with a European bank and start using an app built for it.

Copilot Money vs Martia — how much does each cost?

Copilot Money costs $95 per year (or $7.92/month billed annually) — roughly €88. Martia is free during early access. The geography makes the price point secondary: if your accounts are European, $95 doesn't buy you anything usable, because Copilot won't connect. You'd be paying for a product that can't see your money.

What does Copilot Money do that Martia doesn't (yet)?

A few things. Net-worth tracking — Copilot integrates stocks, crypto and home values (via Zillow); Martia doesn't. AI categorisation maturity — Copilot has been live since 2019 and the model has been trained on millions of transactions. Native Apple apps for iPhone, iPad and Mac with polished animations and gestures. Martia in early access is primarily a web app with mobile-responsive design. If you live in the US and actively manage an investment portfolio, Copilot is the better tool for you.

Will Copilot Money come to Europe?

As of April 2026, Copilot runs an open vote on copilot.money/country-leaderboard asking users which country the app should launch in next. The UK, Germany, Poland, France, the Netherlands and most EU countries are on the list — but the company hasn't announced an official timeline or a single confirmed expansion market. Even if Copilot did commit to Europe in 2026, building PSD2 integrations across European banks is a project that takes many months. Martia already has those integrations.

Are Copilot Money and Martia safe?

Both apps use read-only access — they can't move money or change any account settings. Copilot connects to US banks via Plaid (regulated under the Financial Data Exchange framework in the US). Martia connects to European banks via GoCardless Bank Account Data — a PSD2 provider regulated by the FCA in the UK and supervised by national regulators across the EU. When you link an account you log in directly through your bank's official screen — you never share your password with the app.

Voted for your country on Copilot?

You don't have to wait for Copilot to reach Europe. Martia is already here — connects to your European bank in 2-3 minutes.