With Lunch Money you click through charts. With Martia you ask. "How much did I spend on groceries in March?" Answer. "Can I afford a €1,400 holiday?" Answer. "Where am I saving the most?" Answer. No filters, no pivots, no clicking through categories.
Lunch Money is a great dashboard — tables, charts, custom rules, a REST API. Martia is an AI you have conversations with. It isn't the same tool with a different skin. It's a different paradigm. In Lunch Money, a question about your money is work — you filter, sort, read a chart. In Martia, a question about your money is a question — you type it and get an answer.
The second difference: Lunch Money's automatic imports run on Plaid, which started in the US and, for Lunch Money, covers 17 European countries but not the UK. Martia runs on Enable Banking — EU-native PSD2 with 2500+ bank connections across Europe and the UK. For anyone banking in the EU or the UK, that means more of your banks connect without workarounds. This article compares both apps honestly — what Lunch Money does better (and when you should still pick it), what Martia does differently, and what switching actually looks like.
Which banks Martia connects to
Martia connects to banks in the EU and the UK through Open Banking. US banks are not supported.
Key takeaways
- Martia is an AI you talk to — ask in plain language ("how much did I spend on groceries in March?") and get an answer. No charts, no filters. Lunch Money is a classic dashboard.
- Open Banking backend: Lunch Money uses Plaid (US-first, EU retrofit); Martia uses Enable Banking (EU-native, 2500+ banks across Europe and the UK)
- Pricing: Lunch Money $10/month or min. $60/year (~€55); Martia is free during early access
- Lunch Money wins on multi-currency (160+), REST API for developers, crypto portfolio, rolling budgets, native iOS and Android apps
- Martia wins on conversational AI, native PSD2 coverage, UK/EU merchant categorisation and a free tier
What does Lunch Money offer?
What is Lunch Money?
Lunch Money calls itself a "delightfully simple personal finance & budgeting app for the modern-day spender." Founded in 2019 as a one-person company, it has been run by a small team since 2024. It has a strong developer streak, multi-currency as a flagship feature and sliding-scale pricing. More at lunchmoney.app.
Lunch Money aggregates bank accounts (in the US, Canada and 17 European countries via Plaid, not including the UK), supports manual accounts, lets you import CSVs and — uniquely among personal finance apps — exposes a REST API for users who want to build their own automations. It handles 160+ currencies, tracks crypto wallets, runs custom rules for categorisation, has a rolling budget (unspent money carries to the next month), detects recurring expenses and supports partner sharing.
One of the app's strongest points is its tone. The blog, the changelog, the emails — all written in a human voice, often in the first person. You can tell there are people behind the product, not a marketing team. For part of its user base, that alone is the decisive argument.
Lunch Money's core features
Automatic bank sync via Plaid (the US, Canada and 17 European countries: France, the Netherlands, Spain, Ireland, Germany, Poland, Portugal, Sweden, Denmark, Belgium, Italy, Norway, Austria, Finland, Estonia, Lithuania and Latvia; not the UK). Multi-currency with automatic conversion to a home currency. Custom rules — regex-based tagging and categorisation. Rolling budget with per-category rollover. Crypto tracker (exchanges and wallets). OpenAPI-first REST API with documentation for developers. Net-worth calculator. Transaction splits, grouping and tags. Recurring expense detection. Native iOS and Android apps.
Pricing: $10 per month or a minimum of $60 per year on the annual sliding-scale plan (pay more, not less); the $60 floor applies since 15 March 2026. No free tier, only a 30-day trial. Data from lunchmoney.app, September 2026.
What Lunch Money does better than most
Three things genuinely set Lunch Money apart in its category. Multi-currency — 160+ currencies with daily conversion is something most personal finance apps don't even attempt. For a freelancer getting paid in USD, EUR and GBP in the same month, it's a decisive feature. A REST API with an OpenAPI-first design — unusual in the category. Lunch Money has an active developer community writing Home Assistant integrations, custom dashboards and automations around the product. Sliding-scale pricing with an explicit "pay what you can" stance is rare in SaaS and builds genuine trust.
Plaid's European wall
Plaid — which Lunch Money uses — started in the US, where regulatory Open Banking didn't exist, and added European coverage later. Lunch Money's own help centre lists 17 European countries where Plaid imports work, and the UK is not one of them. For everything else it points users to CSV import or paid third-party bridges such as Lunch Flow — a good measure of where the built-in infrastructure runs out.
Where Martia does it better for European users
Martia is an AI you talk to about money. That isn't a metaphor — it's literally the core of the product. Instead of a dashboard full of charts and filters (Lunch Money's approach), Martia gives you a place to ask a question and get an answer. Everything else — Enable Banking PSD2, European merchant categorisation, a free tier — supports that idea, not replaces it. Below are the three biggest differences for a European user.
An AI you talk to instead of a dashboard you click through
Lunch Money gives you charts, tables and categories — you do the rest. To find out how much you spent on groceries in March, you open the transactions view, filter by date, filter by category, read the result. In Martia, you type: "how much did I spend on groceries in March?" and you get an answer, with context and a comparison against the previous month. Other questions Martia understands: "can I afford a €1,400 holiday?", "where am I saving the most?", "will I go over budget for housing in May?".
This is a different paradigm for working with money. In classic personal finance apps (Lunch Money, Copilot, Monarch) your job is to explore the data — you go hunting for answers. In Martia you ask a question; the answer does the hunting. For users who would rather not learn another dashboard, that's the difference between "I use it every week" and "I opened it three times and forgot."
Enable Banking instead of Plaid — EU-first vs US-first
Martia runs on Enable Banking — a European Open Banking provider regulated by Finland's FIN-FSA, built under PSD2 from day one, with full support for fields specific to European transactions. Coverage: 2,500+ institutions across 30 European countries — including N26, Revolut, Wise, ING, Santander, BNP Paribas, HSBC, Barclays, Commerzbank, Deutsche Bank and ABN AMRO. Check the live list for a specific institution.
Linking an account takes 2-3 minutes — you log in through your bank's own interface; Martia gets read-only access to transactions. More on how bank connections work in our article on how to connect a bank account to a budgeting app.
Localised categorisation for European merchants
Martia categorises transactions with European context in mind. Tesco, Sainsbury's, Edeka, Rewe, Albert Heijn, Jumbo, Carrefour, Mercadona, Biedronka, Żabka — grocery. Shell, BP, Aral, Esso — fuel. Deutsche Bahn, SNCF, NS — transport. Local payment methods (BLIK in Poland, iDEAL in the Netherlands, Bizum in Spain) are recognised at the data level, not bolted on via custom rules.
Read more about how automatic categorisation works in our guide to automatic expense categorisation.
A free tier instead of €55 per year
Lunch Money starts at a minimum of $60 per year (~€55) — no free plan. Martia is free during early access, with no feature limits and no account caps. If you bank in the EU or the UK, run 2-3 accounts and aren't actively using multi-currency or the REST API, the €55/year for features you won't touch doesn't have a clear payoff. Martia does the core job — showing you what you have, where it goes, and whether you are on track — at zero cost.
For a wider view of the European personal finance app landscape, see our ranking of the best personal finance apps in Europe 2026.
Lunch Money vs Martia — comparison table
The table covers 11 key criteria — from Open Banking backend to multi-currency and API availability. A highlight means a win in that category, not an overall verdict.
| Criterion | Lunch Money | Martia |
|---|---|---|
| How you interact | Dashboard — charts, tables, filters | Chat with an AI — ask a question, get an answer |
| Open Banking backend | Plaid (US-first, EU retrofit) | Enable Banking / PSD2 (EU-wide, FIN-FSA) |
| Europe + UK bank coverage | 17 European countries via Plaid; not the UK | 2500+ connections across Europe and the UK |
| Setup time for an EU user | Depends on country: Plaid, CSV or a paid bridge | 2-3 minutes via native PSD2 |
| Interface languages | English only | 8 languages (EN, PL, DE, FR, ES, IT, PT, NL) |
| European merchant categorisation | Generic — often needs custom rules | Native (Tesco, Edeka, Albert Heijn, Biedronka, BLIK, iDEAL) |
| Annual cost | min. $60 (~€55) — sliding scale | €0 (early access) |
| Multi-currency | 160+ currencies — flagship feature | EUR + PLN (MVP), more on the roadmap |
| REST API for developers | OpenAPI-first — rare in the category | Not exposed in v1 |
| Crypto portfolio | Yes — exchanges + wallets | Not in v1 |
| Rolling budget | Mature — live since 2019 | Simple monthly budget |
| Platforms | Web + iOS + Android | Web + mobile responsive |
Recommendation: Lunch Money — if you are a developer or digital nomad, run a multi-currency life, want a REST API and write your own integrations. Martia — if you would rather ask questions than click through charts, bank in the EU or the UK, and want consistent data from European banks without a subscription.
Ask Martia instead of clicking through charts
"How much did I spend on groceries in March?" "Can I afford a €1,400 holiday?" "Where am I saving the most?" Plain questions, answers drawn from your European accounts. No filters, no subscription.
When to switch from Lunch Money to Martia
This isn't a "which app is better" question. Both solve the same problem well, but for different user profiles. Here are two honest scenarios — if one matches, the decision is simple.
Lunch Money is for you if...
You are a developer or power user — you want a REST API and write your own automations. You live a multi-currency life (freelance, digital nomad, remote work for a foreign employer) and 160+ currencies with daily conversion is a feature you use every day. You maintain an active crypto portfolio and want it alongside your bank accounts. You bank in the US, Canada or one of the European countries on Lunch Money's Plaid list. You value the indie voice and the sliding-scale pricing model — $60/year is an investment in an independent product you want to support. You have already built a system of custom rules, rolling budgets and tags, and you don't want to start over.
Switch to Martia if...
You would rather ask a question than learn another dashboard of charts and filters. You want an answer to "how much did I spend on groceries?" or "will I make it to payday?" rather than hunting for it through tables. Your main accounts are with UK or EU banks and you want them connected directly, not through paid third-party bridges such as Lunch Flow. You don't write your own scripts and you don't need an API. Multi-currency isn't your core use case — you earn in GBP or EUR and that's it. You want European merchants categorised — Tesco, Edeka, Albert Heijn, BLIK, iDEAL recognised without manual configuration. You prefer a free tier over €55/year for features you won't touch.
The EU-first Martia Test
The EU-first Martia Test is a simple way to settle the choice between Lunch Money and Martia. The rule: if more than half your transactions go through an EU or UK bank account, infrastructure choice matters. Lunch Money's Plaid list skips the UK and several EU countries. Enable Banking has been European from the start. This isn't about which app "looks nicer." It's about which one connects your bank without paid workarounds.
For more alternatives, see our ranking of the best personal finance apps in Europe 2026 or our comparison with Copilot Money.
Frequently asked questions
Why Martia instead of Lunch Money?
Three reasons, in order of importance. First: Martia is an AI you talk to about money. Lunch Money is a dashboard — charts, tables, filters. In Martia you ask in plain language ("how much did I spend on groceries in March?") and get an answer. Second: Martia runs on Enable Banking (EU-native PSD2, 2500+ banks across Europe and the UK), while Lunch Money's automatic imports run on Plaid, which covers 17 European countries for Lunch Money and not the UK. Third: Martia is free during early access, while Lunch Money is at least $60/year. If asking questions suits you better than clicking through filters, Martia.
Is Martia actually a chat AI, or is it just a help-desk bot?
Martia is an AI you talk to about your own money — not an FAQ chatbot. You ask specific questions about your accounts ("how much did I spend on groceries in March?", "can I afford a €1,400 holiday?", "where am I saving the most?") and get an answer built on your own transactions from your European banks. It's the primary way you use the product, not a feature bolted onto a dashboard. Lunch Money doesn't have this — in Lunch Money you answer the same questions yourself by filtering and reading charts.
Does Lunch Money work in Europe and the UK?
Partly. According to Lunch Money's own help centre, automatic imports through Plaid work in the US, Canada and 17 European countries: France, the Netherlands, Spain, Ireland, Germany, Poland, Portugal, Sweden, Denmark, Belgium, Italy, Norway, Austria, Finland, Estonia, Lithuania and Latvia. The UK is not on that list. For other banks, Lunch Money points users to CSV or PDF import, or to paid third-party bridges such as Lunch Flow. The interface is English-only.
Is it hard to migrate from Lunch Money to Martia?
Technically straightforward — you connect your European accounts to Martia in 2-3 minutes via PSD2. Lunch Money lets you export full transaction history to CSV if you want a record of past data. Custom rules, tags and budgets don't migrate automatically; you rebuild them in Martia. For most European users, that's an acceptable tradeoff: you stop paying $60/year and get EU and UK bank coverage through a native PSD2 pipeline.
How much do Lunch Money and Martia cost?
Lunch Money costs $10 per month or a minimum of $60 per year on its sliding-scale annual plan (you can pay more, not less). There's no free tier — only a 30-day trial. Martia is free during early access, with no feature limits. For a European user with 2-3 bank accounts, that's roughly €55/year of savings for functionally the same workflow, with better local coverage.
What does Lunch Money do that Martia doesn't (yet)?
Several things worth naming honestly. First, multi-currency — Lunch Money handles 160+ currencies and is genuinely excellent for freelancers and digital nomads paid in USD, EUR, GBP and more. Martia's MVP supports EUR and PLN, with broader currency support on the roadmap. Second, a REST API — Lunch Money has a mature, OpenAPI-first developer platform for automations and custom tooling. Martia doesn't expose an API in v1. Third, crypto portfolio tracking and rolling budgets (unspent money carries over) — Lunch Money has both; Martia ships a simpler monthly budget. Fourth, native iOS and Android apps. If you are a developer building scripts around your finances, Lunch Money is the better fit.
Does Lunch Money support PSD2?
Indirectly. Lunch Money itself doesn't implement PSD2 — it relies on Plaid, which has PSD2-licensed operations in Europe. The difference lies in design priorities and coverage. Plaid started in the US, and Lunch Money's Plaid imports cover 17 European countries but not the UK. Enable Banking — which Martia uses — was built EU-first, is FIN-FSA-regulated in Finland, and operates under PSD2 from the ground up, with banks in the EU and the UK.
Are Lunch Money and Martia safe?
Both apps use read-only access — neither can move money or change account settings. Lunch Money connects to banks via Plaid (PSD2-licensed for its European coverage). Martia connects via Enable Banking, a PSD2 provider regulated by Finland's FIN-FSA and supervised by national regulators across the EU. When you link an account, you log in through your bank's official screen — you never share a password with the app.
Ask a question instead of searching charts
With Martia you talk about money. European accounts connected through native PSD2, no Plaid workarounds, no subscription, no dashboards to learn.
Sources
- Lunch Money — homepage, lunchmoney.app
- Lunch Money — Pricing, lunchmoney.app/pricing — sliding-scale pricing with a $60/year floor.
- Lunch Money Blog (2026), An Update to Our Annual Plan Minimum (Effective March 15, 2026), lunchmoney.app/blog — the annual minimum rose from $50 to $60.
- Lunch Money Knowledge Base — Automatic Imports, support.lunchmoney.app — official list of countries supported through Plaid, and the third-party options for everything else.
- Plaid Institutions — European Coverage, plaid.com/docs/institutions/europe — Plaid's European coverage documentation.
- Enable Banking, enablebanking.com — European PSD2 infrastructure Martia uses to connect to 2500+ banks across Europe and the UK.