How Bica works.
Everything that happens between connecting your bank and seeing your money make sense — explained one step at a time.
Connect your banks.
Link your accounts through regulated Open Banking — 2,500+ banks across 30+ European countries, including Revolut, N26, Wise, Monzo, and most Portuguese banks.
Access is read-only and 256-bit encrypted: Bica can see your transactions but can never move money or make payments on your behalf.
Transactions sync automatically.
Once connected, your transactions flow in on their own every day — no CSV uploads, no manual entry, no refresh button to remember.
AI sorts every transaction for you.
Each transaction is automatically matched to a merchant and classified into a category — groceries, dining, transport, subscriptions, and more.
Turn on auto-pilot to let Bica categorize everything hands-free, or review and correct categories yourself at any time.
See your full picture at a glance.
Your dashboard shows net cashflow, account balances, and recent transactions in one view — no jumping between apps or spreadsheets.
Understand where every euro goes.
Dive into reports for a month-by-month breakdown of income and spending, plus a flow diagram showing exactly how money moves between categories and savings.
Get insights you'd never spot yourself.
Bica surfaces patterns automatically — spending spikes, recurring subscriptions, and month-over-month changes that actually matter — without you having to dig for them.
Track your net worth over time.
Bica snapshots your accounts over time so you can watch your overall wealth trend up or down, not just your monthly spending.
Make it yours in Settings.
Manage or reconnect bank connections, create your own custom categories on top of the built-in ones, and connect Aforronet for an even fuller view of your savings.
Ready to see it for yourself?
20 founding memberships. Full access, cancel anytime.
Become a Founding Member