Kontomierz Alternative — Martia vs Kontomierz 2026

Poland's oldest finance dashboard vs. the AI-chat alternative. Honest comparison for expats and users who want more than a dashboard.

Adam Przywarty

martia.ai

June 2026|11 min czytania

Kontomierz has been Poland's go-to personal finance app since 2009. It knows the Polish market, supports around 30 Polish banks (including cooperatives), and has native mobile apps on both iOS and Android. Martia launched in 2026 with a different premise: an AI that answers questions about your money in Polish, connected to 2400+ banks across Europe and the UK through GoCardless PSD2.

If you are an expat in Poland, a remote worker with accounts in multiple countries, or simply someone who wants to ask "how much did I spend on food last month?" and get an answer without clicking through panels — this comparison is for you. If you have a local Polish cooperative bank or need 17 years of product stability with native mobile apps from day one — this comparison will probably end with a recommendation to stay with Kontomierz.

The Polish-language version of this article (with more depth on the Polish user context) is at kontomierz-vs-martia-porownanie.

Najważniejsze informacje

Core difference: Kontomierz is a dashboard PFM (click through reports to find answers). Martia is an AI chat — you ask in Polish, get answers from your actual transaction data
Polish banks: Kontomierz supports ~30 Polish banks including cooperatives. Martia supports major Polish banks plus 2400+ EU and UK banks via GoCardless
Price: Kontomierz Basic is free (manual import); Pro is ~243 PLN/year (~57 EUR). Martia is free in early access — full functionality, no subscription
Bank connection model: Kontomierz uses a pre-PSD2 model (you enter bank credentials in the app). Martia uses GoCardless PSD2 — you authenticate only in your bank's official app, Martia never sees your login
Kontomierz wins: Polish bank coverage (cooperatives), native mobile apps, 17 years of product maturity
Martia wins: AI chat in Polish, 2400+ EU+UK banks, free, PSD2-native (login stays in your bank)

Three-question test — decide in 60 seconds

Most finance app comparisons start with feature lists. That is the wrong order — features matter only as much as they match your context. Three questions that take 60 seconds and get you closer to a decision than any table.

Three-question Martia test

Question 1. Do you have accounts in banks outside Poland?

If you have Wise, N26, Revolut, Monzo, or any bank in Germany, UK, France, or elsewhere — Martia wins clearly. Kontomierz focuses on Polish banks (~30) and does not connect to foreign banks. Martia through GoCardless connects to 2400+ EU and UK banks alongside Polish ones.

Question 2. Do you prefer to get answers by navigating panels — or by asking a question?

You want to know how much you spent on groceries last month. Would you rather: (a) open a report → select date range → filter by Food category → read the chart (Kontomierz), or (b) type "how much did I spend on food last month?" and get a direct answer with links to the transactions (Martia)? Neither is wrong — they are two different cognitive styles.

Question 3. Do you need a Polish local cooperative bank or a small institution outside the main eight?

If yes — check Kontomierz's bank list first. Martia covers the nine major Polish banks plus European banks, but not Polish cooperative or regional institutions. If no — both cover you on Polish banks and the choice comes down to questions 1 and 2.

Three answers pointing to Martia — read through and try it. Three pointing to Kontomierz — you can stop here, it is the right tool. Mixed result — read the comparison table and the expat section below.

Where Kontomierz wins — three honest advantages

Kontomierz launched in 2009 — it is the oldest continuously operating personal finance manager in Poland. That history translates into three concrete advantages that no 2026 product can replicate quickly.

1. Breadth of Polish bank coverage — ~30 banks including cooperatives

Kontomierz supports approximately 30 Polish banks and financial institutions — including regional cooperative banks and some smaller savings institutions outside the main eight. This matters if your primary account is at a local spółdzielczy (cooperative) bank, which are common in smaller Polish cities and rural areas. Martia through GoCardless covers the main Polish banks and 2400+ European institutions, but it does not yet cover Polish cooperative banks. If your bank is not on Martia's list — Kontomierz is likely the better starting point.

2. Native mobile apps — iOS and Android, stable, long-standing

Kontomierz has had native mobile apps on both iOS and Android for many years — fully synchronised with the web version and iterated over time. Martia is building native apps, but currently offers a PWA (progressive web app). If a native mobile app is a non-negotiable requirement for you from day one — Kontomierz delivers it today; Martia does not yet.

3. Seventeen years of product maturity and hardening

Seventeen years means seventeen years of edge cases found and fixed, user workflows accommodated, and annual report cycles tested. For a financial tool that you use to track all your money, this kind of operational history is a real asset. Kontomierz has feature depth in areas like annual reports, custom tag hierarchies, and payment tracking that Martia, as an early-access product, does not yet have.

When Kontomierz is the right choice

Stay with Kontomierz (or start with Kontomierz) if at least one of the following is true: your bank is a Polish cooperative or regional institution; you need native mobile apps on day one; or you value 17 years of product stability over a fresher, AI-native alternative.

Where Martia wins — four advantages of the new model

Martia is a Polish AI-native finance app built in 2026 — with Polish-language AI chat as the primary interface, GoCardless PSD2 as the banking layer, and no subscription fee. It is not trying to replicate Kontomierz — it is built on a different technical foundation and addresses different needs. Four concrete places where the new model wins.

Polish-language AI chat — the interface, not an add-on

Kontomierz in 2026 does not have an AI chat interface. You have a dashboard, reports, and filters — and you navigate through those to find answers. In Martia, the answer is the starting point. You type in Polish: "how much did I spend on groceries in March?", "which subscriptions am I paying for?", "can I afford a laptop right now?" — and Martia responds from your actual transaction data. This is not the same as asking ChatGPT. ChatGPT doesn't know your data. Martia responds based on live sync with your bank. Learn more about how the conversation layer works in the Martia AI assistant article.

2400+ banks across Europe and UK — not just Polish

Kontomierz is focused on the Polish market. Martia uses GoCardless as its banking data provider — according to gocardless.com/bank-account-data, that gives access to over 2400 banks across Europe and the UK. Polish PKO BP or mBank alongside Wise, N26, Monzo, Revolut, HSBC, Commerzbank, or any major European bank — Martia sees them all in one view. For expats and remote workers with accounts in multiple countries, this is the decisive difference. Read more about what PSD2 means for account aggregation in the open banking explainer.

PSD2-native — your login stays in your bank

Kontomierz launched in 2009 — nine years before the EU's PSD2 open banking directive came into force in 2018. Its bank connection model predates PSD2: you enter your bank login credentials in the Kontomierz app, which logs in on your behalf. Martia uses GoCardless as a registered AISP (Account Information Service Provider) regulated by the UK FCA. When you add a bank in Martia, you are redirected to your bank's official app — you authenticate there, and the bank grants read-only access directly to GoCardless. Martia never touches your credentials. Bank setup takes 2-3 minutes.

Free — 0 PLN for full functionality

Kontomierz Pro is ~243 PLN/year (~57 EUR) for automatic import, data export, and unlimited accounts. Martia in 2026 is free — AI chat, auto bank sync via PSD2, automatic categorisation, subscription detection, all 2400+ banks — with no subscription. Over five years: Kontomierz Pro ~1200-1500 PLN, Martia — 0. This is early-access pricing, not a permanent guarantee, but it is the real cost difference today.

Kontomierz vs Martia — comparison table (8 criteria)

Eight criteria where the two apps differ most. Bold accent marks the winner in each category — deliberately showing that neither wins everywhere.

Criterion	Kontomierz	Martia
Polish banks	~30 banks — main + cooperatives	Main 9 (PKO BP, mBank, ING, Santander, Pekao, BNP, Millennium, Alior, CA) + via GoCardless
European and UK banks	Not supported	2400+ banks EU + UK (GoCardless)
AI chat in Polish	No — interface via panels and filters	Yes — AI chat as default interface
Manual / CSV import	Yes — CSV import and manual entry in Basic plan	Yes — CSV import supported
Price (full automation)	~243 PLN/year (Pro with discount)	0 PLN — early access, no limits
Native mobile apps	Native iOS + Android — long-standing	In development — currently PWA
Web version	Yes — full web app	Yes — full web app
Bank connection model	Login entered in Kontomierz app (pre-PSD2 model)	GoCardless (regulated PSD2) — login stays in your bank

Reading the table: Kontomierz wins on Polish bank breadth (cooperatives), native mobile apps, and manual/CSV import depth. Martia wins on EU+UK banks, AI chat, price, and PSD2 connection model. Both have web versions. The three questions in the first section are a faster path to a decision than this table alone.

Connect your European bank accounts in one place

Polish bank, Wise, N26, Revolut, Monzo — Martia connects to 2400+ European and UK banks via GoCardless PSD2. Setup takes 2-3 minutes per bank. Your login credentials stay with your bank, never with Martia. Free in early access, no subscription.

Try Martia for free →

The expat use case — why Martia is the better fit for multi-country accounts

If you are living in Poland but originally from another EU country (Germany, France, UK, Netherlands, or elsewhere), or if you are a Polish person working remotely for a foreign company with accounts in multiple countries — the bank coverage question is probably the most important criterion in this whole comparison.

Kontomierz does not connect to banks outside Poland. That means if you have a German N26 account, a Wise multi-currency account, a UK Monzo, or even a Revolut account — Kontomierz cannot show you those. You would see your Polish PKO BP or mBank, but not the rest.

Martia through GoCardless covers 2400+ European and UK banks — which means your Polish account and your Wise account and your German N26 can all appear in one unified view. You can ask in Polish: "how much do I have in total across all accounts?" and get an answer that aggregates all of them.

Three typical expat / multi-country profiles

Profile A — Polish expat returned from UK: Has a Polish mBank account plus a UK Monzo or HSBC account still active. Kontomierz only sees mBank. Martia sees both.

Profile B — Foreign expat in Poland (Wrocław, Kraków, Warsaw): Has a home-country bank (e.g. German Commerzbank or French BNP Paribas) plus a Polish account opened after moving. Kontomierz only sees the Polish account. Martia sees both — if both banks are in the GoCardless network, which the major EU banks are.

Profile C — Remote worker, multiple currencies: Has a Wise account receiving EUR/USD payments, a Polish account for PLN expenses, and maybe a Revolut card. Kontomierz does not connect to Wise or foreign accounts. Martia connects to all three.

The AI chat in Polish also matters for expats who are still learning the language — you can type questions in Polish (or with a mix of English words) and Martia handles them. The interface is Polish, but the chat is forgiving with mixed-language questions.

How to switch from Kontomierz to Martia

Switching from Kontomierz to Martia takes 2-3 minutes per bank and does not require importing any data. Martia does not import history from Kontomierz — it connects directly to your bank via GoCardless PSD2 and pulls approximately 90 days of transaction history back. Step by step.

Step 1. Export your Kontomierz history (optional but recommended)

If you have years of transaction history in Kontomierz that you want to keep — export it to CSV before cancelling your Pro subscription and store it locally. This archive will not transfer to Martia automatically, but it is yours and you can open it in any spreadsheet. Martia starts fresh from the bank connection date and pulls ~90 days back by default.

Step 2. Connect your bank in Martia

In Martia, click "connect account", choose your bank from the list, and you will be redirected to your bank's official app or website. You authenticate there — Martia never sees your credentials. The bank grants read-only access to GoCardless. Transactions start syncing immediately. The whole process takes 2-3 minutes per bank.

Step 3. Run both in parallel for a few weeks

You do not need to cancel Kontomierz immediately. Connect Martia, use it for 2-4 weeks alongside Kontomierz, and verify it covers your workflow. Kontomierz Pro auto-syncs 4 times a day, so the cost of keeping it for a test month is ~20 PLN. When Martia covers what you need — cancel the Kontomierz Pro subscription and revoke the Kontomierz app connection in your bank's external connections or PSD2 settings panel.

Frequently asked questions

What is the best Kontomierz alternative with AI in 2026?

Martia is the leading Kontomierz alternative with native AI chat in Polish. Unlike Kontomierz (dashboard-first, click through reports to find answers), Martia lets you ask in Polish — "how much did I spend on food in March?" — and get answers directly from your transaction data. It connects to 2400+ EU and UK banks via GoCardless PSD2 (not just ~30 Polish banks like Kontomierz), and it is free in early access vs Kontomierz Pro at ~243 PLN/year. For expats or anyone with accounts outside Poland, Martia wins clearly. For users who need Poland's local cooperative banks or a stable native mobile app — Kontomierz remains the right choice.

Does Kontomierz work in English?

Kontomierz is a Polish-language product — the interface, support, and onboarding are all in Polish. There is no official English version as of 2026. Martia is also a Polish-language product but its AI chat understands questions in both Polish and English. If you are an expat who is comfortable typing basic Polish questions (or can navigate a Polish interface with some trial and error), both apps work. If you need an English-first finance app based in Poland, neither is ideal — Revolut's budgeting features or N26 Spaces are fallback options.

Is Martia a good Kontomierz alternative for expats in Poland?

Yes — especially if you have accounts in multiple countries. Martia connects to 2400+ banks across Europe and the UK via GoCardless PSD2. That means you can link your Polish account alongside a German N26, UK Monzo, Wise, or Revolut in one unified view. Kontomierz focuses on the Polish market and does not connect to foreign banks. For an expat who needs to see all accounts together — Polish plus European — Martia is the better fit. Setup takes 2-3 minutes per bank, with a PSD2 redirect to your bank's official app — no login sharing with Martia.

How does Kontomierz connect to Polish banks — is it safe?

Kontomierz was founded in 2009 — nine years before the EU's PSD2 directive came into force (2018). It uses a pre-PSD2 model: you enter your bank login credentials inside the Kontomierz app, which logs in on your behalf. Kontomierz states on its website that passwords are not stored on their servers and the connection is encrypted. Martia uses a different model — GoCardless as a regulated AISP under PSD2, authorised by the UK FCA. When you add a bank in Martia, you authenticate in your bank's official app. Martia never sees your login credentials. Both have security certifications, but the mechanism differs: Kontomierz receives your credentials; Martia doesn't.

How much does Kontomierz cost vs Martia?

Kontomierz has a free Basic plan (manual import with limits) and a Pro plan at 24.99 PLN/month — with an annual discount bringing it to approximately 243 PLN/year (~57 EUR). Pro unlocks automatic import 4 times daily, unlimited accounts, and data export. Martia is free in 2026 — full functionality including AI chat, bank sync, automatic categorisation, and 2400+ banks. Over 5 years: Kontomierz Pro ~1200-1500 PLN, Martia — 0.

Can I switch from Kontomierz to Martia without losing my data?

Yes, with one caveat. Martia does not import history from Kontomierz — it connects directly to your bank via GoCardless PSD2 and pulls approximately 90 days of transaction history. If you have years of history in Kontomierz you want to keep — export it to CSV before cancelling your subscription. Kontomierz categories and tags do not transfer (different systems), but Martia auto-categorises from day one without your approval. Setup takes 2-3 minutes per bank. You can keep Kontomierz as an archive for a few weeks while you verify Martia covers your needs.

Does Kontomierz support banks outside Poland?

No — Kontomierz is designed for the Polish market and supports approximately 30 Polish banks. It does not connect to foreign banks. Martia, through GoCardless, connects to 2400+ banks across Europe and the UK — including Wise, N26, Revolut, Monzo, HSBC, ING Germany, BNP Paribas France, Commerzbank, and many others. If you have accounts in multiple European countries, Martia is the only option of the two that shows them all in one place.

What does Kontomierz have that Martia doesn't?

Three concrete things Kontomierz has that Martia does not as of 2026: (1) approximately 30 Polish banks including local cooperative banks and smaller institutions outside the main eight — if your primary account is at a Polish cooperative bank, check Kontomierz's bank list first; (2) native iOS and Android apps — stable, mature, synchronised; Martia is building mobile apps but currently offers a PWA; (3) 17 years of product history — including edge-case fixes, annual reporting cycles, and user workflows that a new product has not yet encountered. If any of these three matter to you specifically, Kontomierz may be the better choice.

Sources

Kontomierz.pl (2026), Budżet domowy, wydatki, oszczędzanie — official product description, kontomierz.pl
GoCardless, Bank Account Data — European and UK bank coverage (2400+ institutions), gocardless.com/bank-account-data
European Banking Authority (EBA), PSD2 guidelines — payment services and electronic money, eba.europa.eu
Financial Conduct Authority (FCA), Register of authorised payment institutions, register.fca.org.uk
Narodowy Bank Polski, PSD2 directive and open banking in Poland, nbp.pl