One spending number you can actually trust.
Spen connects all your banks and cards through BankID — and knows the difference between real spending and money you simply move between your own accounts. Finally, a number that adds up.
Join the beta — free Secure BankID login · No card details · Built in NorwayIllustration. Every number can be opened and verified, krone by krone.
Why Spen exists
Accounts in more than one bank? Then your total has always been wrong.
Move money to your savings account, BSU or a shared account, and each banking app counts it as spending. The better you are at saving, the worse your numbers look. Spen recognizes your own transfers — and subtracts them. Even expenses your employer reimburses are kept out. What remains is what you actually spent.
What you get
An overview that works for you — all by itself.
Trip reports, automatically. Spen spots the trip in your transactions and does the accounting for you — ready to share.
Insights without digging. Unusual months get an explanation, dead connections get flagged, and unknown incoming payments get a question — not a guess.
Debt without blinders. See what your cards and loans actually cost you in interest. Refinancing guidance is on the way.
Peace of mind
Your numbers. Your data. Your call.
BankID all the way
Connections run through the banks' official PSD2 interfaces. You log in with BankID and never share a password with us.
Encrypted with us in the EU
Your history is stored encrypted on EU servers, so it survives a phone change. Delete everything with one action — and we never sell it.
Delete everything in the app
Change your mind and wipe all data in seconds. We show you where to revoke the bank access too.
We never sell data
You are the customer, not the product. Our business is the app — not your data.
Questions and answers
Wondering about something?
Is it safe to connect my bank?
Yes. Spen uses PSD2 — the same EU-regulated access that banks are required to offer. You approve with BankID directly at your bank, and the access is read-only: we can never move money.
Which banks are supported?
Every Norwegian bank that offers PSD2 access — in practice nearly all of them, credit cards included. If yours is missing, tell us in the beta and we will prioritize it.
How does Spen know a transfer is my own?
Once you have connected more than one bank, Spen sees both sides of the transfer — the money leaving one account and arriving in another. They can then be matched and kept out of your spending. When something is uncertain, the app asks you instead of guessing.
What does it cost?
Spen is free forever. If we ever add paid extras, the core stays free and beta users get a clear heads-up first.
What happens to my data if I leave?
You delete all data yourself in the app, and we show you where to revoke the bank connections. We never sell data, and we keep nothing you have deleted.
Be among the first to see your real number.
Free forever. Connect with BankID in minutes. Delete everything whenever you like.
Join the beta — free No commitments. No card details.