Flow: Auto budget & save

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About this app

Flow is your central money hub. With automated features and money methods, Flow gives you control of your money to help you reach your money goals.

Just connect your bank account(s), set up smart rules and lean back. Save, invest and budget with Flow.

Flow goes further than a budget manager or expense tracker. It not only gives you insight into your expenses, but also enables you to take the right action based on those insights, in order to always reach your goals.

With Flow you can easily build up healthy money habits, on your way to a financially free future.


Flow securely connects and stay in sync with your financial accounts, so you don’t need to manually import or keep track of transactions. We connect with all banks in The Netherlands and are actively adding banks throughout Europe.


No more manual crunching numbers and guessing budgets. Flow’s smart technology allows you to get a clear overview on all your financial accounts in a user-friendly app. All your balances, transactions and budgets in one view.

Keep track of your regular bills and payments with your spending overview and receive alerts on your terms.


Forming good financial habits is hard. Flow provides all the tools you need in order to effortlessly form good habits and stick to them to reach your goals. Without having to remember to save up and without spending time moving money. Set up smart rules, then let the app do the rest.


Flow allows you to build your own money systems from the ground up. However, you don’t need to be a financial guru in order to reach your goals. Flow works with experts to build automation templates based on proven money methods. Choose from our catalog of dozens money methods, from beginner to expert: There is always a budgeting method for you. You can even create your own template.


“It feels good, right? The idea that these kind of things are automated gives me such a relaxed feeling.”

— Alexander Klöpping, CEO Blendle/Tech journalist in “Een Podcast over Media”

“It works in the background, you can then trust [in your own money management system], that’s what I like about it.”

— Ernst-Jan Pfauth, CEO De Correspondent in “Een Podcast over Media”

“Other apps look in the rear-view mirror and only show what you’ve spent… With Flow, you can look ahead and determine what you can spend on groceries or eating out next month.”

— FinServ


Flow creates technology that keeps you safe. We support face & fingerprint ID and use 256-bit TLS encryption.

We never share your data with any other parties without your consent.

We are licensed (PSD2 and ISO27001) and governed by the Dutch Central Bank (R166735).

Here to help 5 days a week
Got a question? Talk to our team through your app or send us an email.

**Download Flow now and take your finances to the next level for free!**
Updated on
Aug 28, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
App activity, App info and performance, and Device or other IDs
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted