A bank account aggregator is an app that connects to several banks at once through open banking (PSD2) and shows balances and transactions in one view. Across Europe it works with N26, Revolut, Wise, BNP Paribas, ING, Santander, HSBC, Commerzbank, Monzo and more than 2,200 financial institutions.
You open your main bank. Balance: €3,120. You close it. You open N26. Balance: €1,890. You close it. You open Revolut — two currencies, EUR and GBP. You close it. You try to add everything up in your head. You get it wrong. You try again. Meanwhile an old savings account at another bank flashes a notification about a standing order you forgot existed. And you still do not know, with any confidence, how much money you actually have right now. This article shows you how to see everything on one screen — once, properly.
Key takeaways
- 2.5 payment cards per euro area inhabitant (ECB, H1 2025) — a rough proxy for account multiplication. In practice, financially active adults often run 3-5 accounts
- The Single Dashboard Method — connect each bank once through open banking, the app pulls every balance and transaction automatically
- Logging into each bank separately wastes 3-5 minutes a day doing mental maths. An aggregator does it in a second
- PSD2 + AISP = read-only — aggregators cannot initiate transfers or change a password. Supervised by the EBA and national regulators
- Works with Revolut, N26, Wise, Monzo and traditional banks alike — every PSD2-regulated institution exposes the same secure interface
Why do I even have several bank accounts — and who else does?
Most financially active adults in Europe hold 3-5 accounts across 2-3 different banks — not because they planned it, but because life gradually added them. A main current account tied to your employer, a savings account elsewhere with a better introductory rate, a joint account with a partner, a neobank like N26 or Revolut for travel and subscriptions, sometimes a freelance or limited-company account.
And that is fine. You do not need to feel bad about the mess. It is not a mess — it is normal. According to the ECB payments statistics for the first half of 2025, there are roughly 2.5 payment cards per euro area inhabitant, a reasonable proxy for how fragmented personal finance has become over the last decade. The average hides a lot: a retiree with one card and a 30-year-old software engineer with six both collapse into the same number. If you are between 25 and 45, you probably sit on the higher end of that curve.
Where the typical 5-account pile comes from
Main current account: where the salary lands. Usually at the bank your employer defaulted to, or one you signed up for during a promotion years ago.
Savings account: at a different bank, chosen for a short-lived interest rate bonus.
Joint account with a partner: for household bills — rent, energy, groceries.
Neobank (N26, Revolut, Wise): for travel, multi-currency spending, online subscriptions billed in dollars.
Freelance / business account: if you invoice clients, whether as a sole trader or through a limited company.
The problem is not the number of accounts — it is the fragmentation
Having multiple accounts is not inherently bad. Separating money into dedicated buckets — bills, savings, fun — is a sensible strategy. The problem begins the moment you cannot tell how much you have in total, or where the money went. Each bank only shows its own fragment of the truth. Nobody shows you the full picture. That is why people check their balance three times and still walk away feeling something slipped past them.
If that sounds familiar, read "Where does my money go — how to find your invisible spending". It is the same problem from a different angle: you cannot tell how much you have because you cannot tell where you spend.
Multiple accounts across Europe — the numbers
Sources: ECB Payments Statistics, first half of 2025, GoCardless Bank Account Data
What is a bank account aggregator — and does Europe have one?
A bank account aggregator is an app that connects to several banks simultaneously through open banking (PSD2) and shows every balance and transaction in one view. One login, one window, one version of the truth.
Bank account aggregator — definition
A bank account aggregator is a financial service that, with the user's explicit consent, pulls balance and transaction data from multiple banks and displays it in one place. In the EU, aggregators operate as AISPs (Account Information Service Providers) — a category defined by PSD2 (Directive 2015/2366) and supervised by the European Banking Authority (EBA) and national regulators. Access is strictly read-only: an aggregator can never initiate a payment, move money or change account settings.
Is there a European bank account aggregator?
Yes. Any personal finance app that connects to European banks via PSD2 is technically an aggregator. Martia is one of them — it uses GoCardless Bank Account Data (a provider with dual FCA and Latvian FKTK authorisation, passported across the EU) to pull balances and transactions from N26, Revolut, Wise, BNP Paribas, ING, Santander, HSBC, Commerzbank, Monzo and every major European high-street bank.
If you have come across the term "open banking" and assumed it was something exotic — it is not. Open banking is simply the regulated infrastructure aggregators run on. PSD2 made it mandatory for every bank in the EEA to expose a secure data interface to licensed third parties, so any AISP can plug in.
How is an aggregator different from a regular mobile banking app?
Your bank's app only shows accounts held at that bank. N26 will not show you your HSBC balance. Monzo will not show you your Revolut activity. Each bank is an island. An aggregator builds bridges between those islands: it pulls data from every one and combines it into a single map.
Myth vs. reality
Myth: "To see all my accounts in one place, I would have to move everything to a single bank."
Reality: You do not need to move anything. PSD2, in force across the EU since 2018, was introduced precisely so that consumers could see data from multiple banks without consolidating them. You leave your accounts exactly where they are — an aggregator adds a thin layer that joins them into one dashboard.
Scattered accounts across Europe? See them in one dashboard
Martia connects to European banks and neobanks through open banking. N26, Revolut, Wise, ING, HSBC, Santander — all in one view. You connect each account once; the data flows by itself.
How to see every bank account in one place — The Single Dashboard Method
The Single Dashboard Method is a five-step routine that replaces logging into every bank individually with one combined view, using a PSD2-compliant aggregator. Initial setup takes about 5-10 minutes total. After that, the data flows automatically.
The Martia Single Dashboard Method — what it is
The Single Dashboard Method is Martia's framework for consolidating multiple bank accounts into one view using open banking (PSD2). It has five steps: inventory every account, pick a PSD2-compliant aggregator, connect each bank once, let the initial sync finish, then check in once a week. It requires a single round of setup and about two minutes of attention per week thereafter.
Step 1: Inventory every account (5 minutes)
Grab a piece of paper or open a notes app. Write down every account you own, even the one you would rather forget about. Main current account, savings, joint, N26, Revolut, Wise, a childhood savings account, a business account, even the PayPal or Klarna balance. Most people discover one or two more than they remembered. That is the point.
Step 2: Pick a PSD2-compliant aggregator
It has to work through open banking, not CSV. If an app asks for your bank username and password inside its own screen, it is not PSD2-compliant and you should not use it. A proper aggregator redirects you to the bank's own login page — your password goes to the bank, not to the app. The app only receives a short-lived access token.
Step 3: Connect each account one by one (90 seconds each)
Inside the aggregator, tap "Add bank account", pick your bank from the list, log in on the bank's own page, approve the read-only access in the bank's mobile app. Repeat for every remaining account. With five accounts this adds up to roughly eight minutes — once, for life. If you want the step-by-step walkthrough, read "How to connect a bank account to a budget app".
Step 4: Wait for the initial sync (5-10 minutes)
The aggregator pulls the last 90 days of transactions from every account — PSD2 allows up to 90 days without re-authentication. Each transaction arrives with amount, date and counterparty. An algorithm sorts them into categories automatically: groceries, transport, subscriptions, utilities, eating out. You do nothing but watch. Here is how the automatic categorisation actually works.
Step 5: One check per week (2 minutes)
Pick a fixed moment: Sunday evening, Monday morning during coffee. Open the dashboard. Look at the total balance. Look at the week's spending. Two minutes. No logging into each bank, no mental maths. A Sunday glance is worth a hundred times more than designing the perfect system — it is the people who show up who actually stay in control.
Adam, założyciel Martia
From the founder
I had six bank accounts and zero control. I would check the balance in one, then another, lose track, give up. I built Martia partly because I wanted a dashboard that told me the truth without requiring any effort from me. The moment I first saw all six accounts in one view was stranger than I expected. Not euphoria. Just calm. For the first time I did not have to add anything up in my head.
Logging in separately, spreadsheet or aggregator — three methods compared
There are exactly three ways to see your total balance across multiple accounts: log into each bank separately, keep a spreadsheet, or connect an aggregator. Each method works — the difference is how much time it costs you each month, and how likely you are to stick with it longer than four weeks.
| Feature | Logging in separately | Spreadsheet | Aggregator (PSD2) |
|---|---|---|---|
| Setup time | 0 min | 30-60 min | 5-10 min (one-off) |
| Time per month (5 accounts) | 90-150 min | 120-240 min | ~8 min (review) |
| Data freshness | Only when you log in | As stale as the last entry | Live, automatic |
| Total balance | Mental arithmetic | SUM() formula | Automatic |
| Transaction history | Separate per bank | Usually missing | Unified feed |
| Categorisation | None | Manual | Automatic (AI) |
| Odds of sticking with it for 3 months | Low | Low | High (requires no effort) |
| Best for | 1-2 accounts | Spreadsheet enthusiasts | Anyone with 3+ accounts |
Let's be honest — logging in separately works when you have one or two accounts. At five, the method collapses under its own weight. Spreadsheets work if you actually enjoy spreadsheets; for everyone else they turn into unpaid part-time work. An aggregator is the only option that, after a single setup, asks nothing of you. If you are still torn between a spreadsheet and an app, read "Household budget app vs. spreadsheet".
I have accounts with N26, Revolut and a traditional bank — how do I manage them together?
N26 + Revolut + a traditional bank is probably the most common European combination today: a main current account at a legacy bank for salary and bills, N26 for day-to-day spending and savings buckets, Revolut for travel, multi-currency and subscriptions. Combining the three into one dashboard takes about 5-10 minutes of one-off setup.
How do I connect N26?
Inside the aggregator you select N26 from the list. You are redirected to the N26 login page, where you authenticate with your usual credentials. N26 sends a push notification to the N26 app — you approve it, and the connection is done. Around 60-90 seconds end to end.
How do I connect Revolut?
Revolut holds a full EU banking licence through Revolut Bank UAB in Lithuania and is fully PSD2-compliant. In the aggregator you pick "Revolut" — you are redirected to the Revolut app to approve the consent. If you hold multiple currencies (EUR, GBP, USD, PLN), the aggregator sees every currency pocket separately and totals them in your home currency.
How do I connect my traditional bank?
Traditional high-street banks — HSBC, BNP Paribas, ING, Santander, Commerzbank, Deutsche Bank — all expose PSD2 interfaces. The flow is identical: pick your bank, log in on its own portal, approve the read-only consent through the bank's mobile app. Process varies by a few seconds; everyone is under the same regulation.
What do you see after five minutes?
A single dashboard showing the total balance of all three accounts in your home currency (Revolut pockets converted at the live rate). A single transaction feed, sorted chronologically regardless of which bank each entry came from. A single categorisation: how much you spent this month on groceries, transport and subscriptions — combined across every account. For most people, it is the first time in years they see a coherent picture of their own money.
A situation you probably recognise
End of the month. You ask yourself: "where did the money actually go?" You log into your main bank: -€1,200. You log into N26: -€340. You log into Revolut: -£180. You try to combine them, you lose the exchange rate, you try again, you give up. Once every account is connected to an aggregator the same question takes three seconds. You open the dashboard. You see.
N26, Revolut, traditional bank — all in one view
Martia connects to every major European bank and neobank. Five to ten minutes of setup, then the data syncs automatically. No CSV exports, no manual entry, no logging into each bank individually.
Is a bank account aggregator actually safe?
An open-banking aggregator never sees your password, cannot initiate a transfer and cannot store your login details — it operates as an AISP (Account Information Service Provider) under PSD2, which is read-only by design. Supervision comes from the European Banking Authority and national regulators.
How do you know an aggregator cannot touch your money?
Because the law does not allow it. PSD2 splits open-banking services into two categories: AISP (Account Information Service Provider — read only) and PISP (Payment Initiation Service Provider — allowed to initiate payments). A budgeting aggregator holds an AISP licence. There is no technical path to a transfer: the access token your bank issues to the aggregator has no payment-initiation scope, so the bank itself would reject any such call.
Who supervises European aggregators?
Across the EU, the European Banking Authority (EBA) sets the standards. Each member state has a national regulator implementing them — the FCA in the UK, BaFin in Germany, AMF in France, Bank of Lithuania, KNF in Poland. Martia uses GoCardless as its underlying data provider; GoCardless is authorised by the FCA (UK) and Latvia's FKTK (passported across the EU). That is three layers of supervision. For more detail, read "What is open banking and is it safe".
What happens every 90 days?
PSD2 requires you to re-authorise every open-banking connection at least once every 90 days. That is not a bug — it is the regulation's way of making sure no consent sits unattended forever. The aggregator notifies you a few days before expiry. You log in, you approve once, you are done. Same 90 seconds per bank as the initial setup.
Frequently asked questions
How do I see all my bank accounts in one place?
A bank account aggregator connects to your banks via open banking (PSD2) and shows balances and transactions from every account in one view. In Europe this works with N26, Revolut, Wise, BNP Paribas, ING, Santander, HSBC, Commerzbank and more than 2,200 financial institutions. Setup takes about 90 seconds per account — you log in on the bank's own page, never on the app.
What is a bank account aggregator and is there one in Europe?
A bank account aggregator is an app that pulls balances and transactions from multiple banks through open banking and displays them in a single dashboard. In the EU, aggregators operate as AISPs (Account Information Service Providers) under PSD2, supervised by the European Banking Authority (EBA) and national regulators. Access is read-only — an aggregator can never initiate a payment.
I have accounts with N26, Revolut and a traditional bank — how do I manage them together?
You add each account separately inside the aggregator app: N26 (confirm in the N26 app), Revolut (confirm in the Revolut app), your traditional bank (log in on its web portal, confirm via push notification). Each connection takes around 90 seconds. After a few minutes you see a combined balance, a unified transaction feed and one spending history — no CSV exports, no manual entry.
How many bank accounts does the average European have?
According to ECB payment statistics (H1 2025), there are roughly 2.5 payment cards per euro area inhabitant — a rough proxy for account multiplication. In practice, financially active adults aged 25-45 often hold 3-5 accounts: a main current account, savings at another bank, a joint account, a neobank (N26, Revolut, Wise) for travel and subscriptions, and sometimes a freelance account.
Is a bank account aggregator safe?
Yes. Aggregators built on open banking operate as AISPs under PSD2 — a regulated category that only allows read access. They cannot initiate transfers or change any settings. You log in directly on the bank's page, so the aggregator never sees your password. Supervision comes from the EBA across the EU and national regulators in each member state. Every consent expires automatically every 90 days, as required by PSD2.
Can I see my total balance across all accounts without an aggregator?
Without an aggregator you have to log in to every bank separately and add the numbers in your head or a spreadsheet. With three accounts that's roughly three minutes a day. With five accounts, five minutes. Most people who try to keep a spreadsheet like this stop updating it within 4-6 weeks. An aggregator does it automatically in real time.
Does Revolut work with European account aggregators?
Yes. Revolut holds a full EU banking licence (Revolut Bank UAB in Lithuania) and is fully PSD2-compliant. Any open-banking aggregator can connect to it. The same applies to N26, Wise, BNP Paribas, HSBC, ING, Santander, Commerzbank and essentially every European bank — PSD2 requires them all to expose a secure data interface.
Sources and references
- European Central Bank (2025), Payments Statistics: first half of 2025 (879.3 million payment cards, 2.5 per euro area inhabitant), ecb.europa.eu
- European Parliament and Council of the EU (2015), Directive (EU) 2015/2366 (PSD2) — open banking regulation, definition of AISP and PISP services, mandatory re-authentication every 90 days, eur-lex.europa.eu
- European Banking Authority, Register of Account Information Service Providers (AISPs), euclid.eba.europa.eu
- GoCardless (2026), Bank Account Data — coverage and supported institutions (2,200+ European financial institutions), gocardless.com
Read more
How to connect a bank account to a budget app →
The 3-Screen Method: exactly what you see when you tap Connect. 90 seconds, zero passwords given to the app.
Bank account sync — how it works →
What happens behind the scenes: tokens, PSD2 compliance, re-authentication, data freshness.
Where does my money go? →
How to find invisible spending when your balance drops for no obvious reason.
Automatic expense categorisation →
How an aggregator sorts thousands of transactions into useful categories — without manual tagging.
Household budget app vs. spreadsheet →
Which one is actually worth your time — based on how many accounts you run.