One platform. Every money job.
Bica does the four jobs you'd never keep up with by hand — syncing your banks, understanding every merchant, filing every transaction, and reporting it all back. Here's each one, up close.
Your banks, always up to date.
Connect once through regulated Open Banking — after that, new transactions simply appear. Read-only, encrypted, nothing for you to remember. It brings in your Portuguese state savings via Aforronet too, and emails you before a bank consent expires.
- Supports 2,500+ European banks across 30+ countries
- 256-bit encrypted, read-only connections
- New transactions appear on their own — no refresh button to remember
- Works with Revolut, N26, Wise, Monzo, and more
It knows who's behind every cryptic charge.
Banks send gibberish — Bica reads it. Each raw description is matched to a real merchant with a name and a logo. It spots your subscriptions from their billing rhythm and pairs transfers between your own accounts, so moving money never counts as spending.
Continente Groceries 
Uber Transportation 
Spotify Entertainment Everything filed into the right category.
Groceries, dining, transport, subscriptions — every transaction lands in the right place. Write your own rules with a live preview and they always win; every transaction shows exactly who filed it. Or flip on autopilot and let Bica handle everything.
Lidl Groceries AI −€32.40 Uber Transportation AI −€8.50 
Netflix Entertainment AI −€15.99 
IKEA Shopping AI −€89.00 Spotify Entertainment AI −€10.99 Your morning briefing, ready before you wake.
Net cashflow, account balances, recent transactions, top categories — already assembled into one view by the time you open it. You check it like the weather, then get on with your day.
Revolut N26 
Starbucks −€4.80 Lidl −€32.40 Spotify −€10.99 One honest net worth number.
Banks, Portuguese savings certificates, property, vehicles, loans with their interest rates — Bica adds up your whole balance sheet and keeps the history, so you see which direction you are heading, not just today's total.
Know exactly where every euro went.
See exactly how income flows into every category and savings — in one intuitive diagram. Patterns that take hours to spot in a spreadsheet become obvious at a glance.
Track income and expenses over time.
See how your money flows month by month. Spot seasonal spikes, identify growing costs, and watch your savings trend improve over time.
Insights you'd never spot yourself.
Bica surfaces patterns buried in your transaction history — unusual spending spikes, subscription creep, and month-over-month changes that actually matter. Opt in and it writes you a weekly or monthly email digest, too.
Ready to put Bica to work?
14 days free with no card, then €5.99/month or €49/year. Full access, cancel anytime.