Navefivsyour bank’s app
Navefi vs your bank’s app
Portuguese bank apps have improved a great deal and nearly all now show a spending summary. Their limit is not quality, it is perimeter.
Side by side
11 points compared
Swipe the table to see both columns
| Criterion | Navefi | your bank’s app |
|---|---|---|
| Cost | Free on the Base plan | Free |
| Accounts shown | All of them, across all banks | Only that bank’s accounts |
| Total net worth | Accounts, investments, property and debt | Only that bank’s products |
| Categories | 19 categories with rules that learn | Fixed categories, limited correction |
| Budgets | Per category, with pace warnings | Basic or absent |
| Balance forecast | Projection with a range and alerts | Rarely available |
| Expense splitting | Groups, settling up, your share in your budget | Not available |
| IRS deductions | Yearly tracking against ceilings | Not available |
| AI assistant | Answers using your data | A support bot, not an analyst |
| Making payments | No. Navefi only reads | Yes, that is its main job |
| Broker connections | IBKR automatic, others manual | Not available |
Verdict
They are not competitors. The bank app is for moving money and Navefi is for understanding all of it. Anyone with accounts at a single bank can stay with the bank app. Anyone with two or more needs aggregation to answer the simplest question there is.
When the alternative is the better choice
If everything sits at one bank, you hold no investments elsewhere and you only want to know where the month went, your bank’s app is enough and costs nothing.
Frequently asked questions
Does Navefi replace my bank app?
No. Navefi does not make payments or transfers. You still need the bank app to move money. Navefi is for seeing and deciding.
Can I connect more than one bank?
Yes, and on paid plans connections are unlimited.
See your last month sorted today
Create an account, import a statement or connect a bank, and get the first honest picture of your finances before your coffee goes cold.