Best Personal Finance App with Open Finance in Brazil (2026): Comparison

Looking for the best personal finance app with Open Finance in Brazil? It depends on what you want: connecting a bank for free, detailed reports, keeping personal and business money apart, or using ChatGPT and Claude with your real bank data. In this comparison we put Pierre, Mobills, Organizze, Visor, Despezzas, Minhas Finanças and Snabber side by side, using what each company publishes on its official website.

Disclosure: this blog belongs to Snabber, which is also on the list. That's why we only use what each company publishes on its own website, with the source links at the end. When a website says nothing about a point, we write "not stated on the official site". We also list Snabber's weak points and recommend another app when it fits a profile better.

All of these apps work with Brazilian banks through Open Finance Brasil, and prices are in Brazilian reais (R$).

Short answer: which app to choose

• You want to connect a bank for free: Pierre (its free Básico plan connects 1 bank).
• You want a traditional app with goals and reports, paying little per year: Mobills.
• You manage personal and business accounts, with many connections: Organizze (Conectado Plus), Visor (Premium) or Snabber.
• You want ChatGPT and Claude with your bank connected, for less: Snabber (R$ 19.90/month) or Minhas Finanças (Sync Bank, R$ 199.90/year).
• You want to log expenses by message: Snabber, on Telegram (text, voice or photo); Pierre and Visor, on WhatsApp.

Why Open Finance matters

Open Finance Brasil is the system regulated by Brazil's Central Bank that lets you authorize an app to read your account, credit card and investment data. In practice, the app receives statements, bills and balances automatically, and you stop typing in every expense. The authorization is read-only: Open Finance does not let a budgeting app make Pix transfers, payments or any other transaction. You can cancel the sharing at any time, in the app or in your bank's app.

To learn more about how it works, read our guide to Open Finance Brasil.

What we compared

• Free plan: whether there is one and whether it connects banks.
• Cheapest plan with bank sync: the published price and how many connections it includes.
• ChatGPT and Claude: whether the website states a connection to these assistants (via MCP, the protocol that links apps to AI assistants) and on which plan.
• Cheapest plan with ChatGPT/Claude and bank sync together: what you pay to get both.
• Logging by message: whether you can record expenses through a messaging app.
• How the app makes money: whether it only charges a subscription or also sells financial products, such as credit cards and investments.

Comparison table

Information checked on the official websites between September 23 and October 14, 2026 (links at the end). Prices inside the apps and on the App Store or Google Play sometimes differ from the websites, so confirm before subscribing.

Snabber

We start with Snabber because this is our blog. The other apps follow, based on what their websites say.

Best for: people who want bank sync plus ChatGPT or Claude on a monthly plan, who log expenses on Telegram, or who need to keep personal, business and household money apart in one app.

What sets it apart

• Lowest monthly price with bank sync and AI: Basic costs R$ 19.90/month with 1 bank connection and ChatGPT and Claude integration. Among the other apps that publish monthly prices, getting both costs R$ 39 (Pierre Pro) or R$ 45 (Organizze Conectado). Billed yearly, Basic is R$ 199.90, the same as Minhas Finanças Sync Bank.
• Annual discount: every paid plan has a yearly option about 16% cheaper, the same as 2 months free. Basic billed yearly works out to R$ 16.66/month, and Pro, with 5 connections, to R$ 33.32/month.
• ChatGPT and Claude that read and write: there are 32 tools. The AI looks up transactions, credit card bills, installment plans, investments and balance history, and it also creates, edits and deletes transactions, accounts and categories. Before deleting anything, it shows exactly what will go. Every action the AI takes can be undone for up to 30 days, and you get a notification when something is deleted.
• In Claude's official directory: Snabber is listed in Claude's connector directory and in the official MCP Registry. You connect in a few clicks, without copying any key, then ask "how much did I spend on groceries in the last 3 months?" or say "log R$ 125 at the supermarket today". See how to connect Claude and ChatGPT (pages in Portuguese).
• Telegram with text, voice and photo: send "spent 50 on lunch", a voice message or a photo of a receipt, and the expense is logged. Among the apps on this list with a messaging channel, the others use WhatsApp. See how it works.
• Dashboard built with AI: describe the report you want in plain language, the AI builds its structure once, and the report becomes a block on your dashboard, with numbers that update every time you open it. Available from the Plus plan up (1 report during the free trial).
• No ads on any plan, including the free one.
• Subscription only: Snabber doesn't sell credit cards, loans or investments. Revenue comes from subscriptions, and the app shows no offers for financial products.
• Personal, business and household in one app: each space has its own accounts and categories. From Basic up, you can share a space with someone else; from Plus up, you can split the subscription.
• Alert agents and API: alerts for upcoming bills, negative balances and category limits, plus a public API for anyone who wants to connect other systems.

• Things to consider: the free plan doesn't connect banks (sync comes with the 7-day trial and the paid plans). Basic connects only 1 institution and doesn't include AI-built reports. Billed yearly, Basic costs more than Mobills Premium and Despezzas Premium. It's a smaller, younger company than Mobills and Organizze.
• Price: Free (no bank sync); Basic R$ 19.90/month (1 connection); Plus R$ 29.90/month (2); Pro R$ 39.90/month (5); Ultra R$ 89.90/month (10). Billed yearly: Basic R$ 199.90, Plus R$ 299.90, Pro R$ 399.90 and Ultra R$ 899.90 (about 16% off). When you sign up, you can start a 7-day free trial with 1 bank connection.

Pierre

Best for: people who want to connect a bank for free and would rather chat with an AI than build reports.

• Strengths: it's the only app on the list with bank sync on a free plan (1 bank). It has AI agents with specific jobs, such as spotting duplicate charges, fixing categories and warning you when you go over a spending limit. It works in the app, on the web and on WhatsApp. The Pro plan includes MCP and an API.
• Things to consider: the free plan limits how many messages you can send to the AI. The jump between paid plans is large: Pro at R$ 39/month (up to 5 banks) and Premium at R$ 199/month (unlimited banks).
• Financial products: Pierre belongs to CloudWalk and, besides expense tracking, offers its own financial products: the Pierre One credit card, with 3% cashback, and Pierre Invest, with returns of up to 111.11% of the CDI rate and FGC deposit protection, according to its website.
• Price: Básico free; Pro R$ 39/month or R$ 33.25/month billed yearly; Premium R$ 199/month or R$ 166.58/month billed yearly.

Mobills

Best for: people who want a well-established app with goals, budgets and charts, and prefer to pay once a year.

• Strengths: it's one of the best-known finance apps in Brazil, with more than 30 features in Premium, according to its website. The subscription covers iOS, Android and the web.
• Things to consider: the Premium page mentions automatic sync for Nubank and Santander customers, without saying how many connections the plan includes. The website doesn't mention ChatGPT or Claude integration.
• Price: Premium at R$ 99.90 per year on the official website (under R$ 8.40 per month).

Organizze

Best for: people who value a simple interface and need many connections, including business (PJ) accounts.

• Strengths: a clean, easy interface. It connects to ChatGPT, Claude and Manus on every plan at no extra cost, and it has a REST API. The Conectado Plus plan takes up to 10 connections, personal and business, with extra transaction updates during the day.
• Things to consider: the cheapest plan (Manual, R$ 35/month) doesn't connect banks. The Conectado plan accepts personal accounts only.
• Price: Manual R$ 35/month; Conectado R$ 45/month or 12x R$ 39.90 (up to 3 personal connections); Conectado Plus R$ 69/month or 12x R$ 59.90 (up to 10 personal and business connections). 7-day free trial. If you're thinking of switching, see our guide to Organizze alternatives.

Visor

Best for: people who want ChatGPT and Claude with up to 3 banks and like asking questions on WhatsApp.

• Strengths: it connects to ChatGPT, Claude and other AIs to build in-depth reports. You can ask about your money in the app or on WhatsApp. Premium includes all your banks, business accounts and a space for the household or the company. One subscription covers the app and the computer.
• Things to consider: there's no permanent free plan; the 7-day trial is for eligible users. The website shows prices as annual amounts.
• Price: Pro R$ 349/year (up to 3 banks); Premium R$ 597/year (unlimited banks), in up to 12 interest-free installments.

Despezzas

Best for: people who want to start for free, with unlimited accounts and cards, and only pay when they want automation.

• Strengths: the free plan is permanent, with unlimited accounts, cards, categories, goals and limits. Paid plans remove ads and include AI document import. Plus has unlimited connections and account sharing with another person.
• Things to consider: the free plan has ads and doesn't connect banks. App Store prices differ from the website.
• Price: Free; Premium R$ 34.90/month or R$ 14.16/month billed yearly (up to 4 connections); Plus R$ 89.90/month or R$ 24.16/month billed yearly (unlimited connections).

Minhas Finanças

Best for: people who prefer to pay yearly and want AI inside the app as well as in ChatGPT and Claude.

• Strengths: it has an in-app assistant, Mia, with monthly AI credits from the Sync plan up. It connects to ChatGPT, Claude and Manus from Sync up. It runs on Android, iPhone, the web and Windows.
• Things to consider: the free plan has "a few ads" and doesn't connect banks. Open Finance starts at Sync Bank and isn't included in the 15-day free trial of Sync.
• Price: Free; Sync R$ 99.90/year (no bank sync); Sync Bank R$ 199.90/year; Sync Bank Pro R$ 399.90/year.

What you can do through ChatGPT and Claude

Five apps on this list state a ChatGPT and Claude integration, but what the AI can actually do varies a lot. We compared the two that describe it on their websites:

Organizze, Pierre and Visor also state the integration, but their websites don't describe what the AI can do, so they aren't in this table.

How to choose, by profile

• I have one bank and don't want to pay: Pierre (Básico).
• I want the lowest yearly cost with bank sync: Mobills Premium or Despezzas Premium billed yearly.
• I want to pay month to month, with no yearly commitment: Snabber Basic, at R$ 19.90/month. It's the lowest monthly price with bank sync among the apps that publish monthly prices.
• I have a business account and several personal ones: Organizze Conectado Plus, Visor Premium or Snabber Pro.
• I share finances with my partner: Despezzas Plus, Visor or Snabber (shared space).
• I want ChatGPT or Claude with my bank connected: Snabber monthly (R$ 19.90) or Minhas Finanças yearly (R$ 199.90). Organizze, Pierre and Visor offer it too, on pricier plans.
• I want the AI to log and fix expenses for me, with a way to undo: Snabber.
• I don't want ads on the free plan: Snabber.

Security: what to check in any Open Finance app

• Authorization in your bank's app: with banks that take part in Open Finance, you approve the sharing in your bank's own app. In those cases, the finance app shouldn't ask for your bank password.
• Read-only: the sharing lets the app read statements, bills and balances. No budgeting app can make Pix transfers or payments through it.
• Cancellation: you can revoke access at any time, in the finance app or in your bank's app.
• Encryption: prefer apps that explain how they store your data. At Snabber, each transaction's description and amount are encrypted with AES-256.
• How the app makes money: check whether it only charges a subscription or also sells cards, loans or investments. That way you know in advance whether you'll see offers for those products in the app.
• Official stores: always download from the App Store or Google Play.

Frequently asked questions

Is there a free budgeting app with Open Finance?

Yes. Among the apps on this list, Pierre connects 1 bank on its free Básico plan. Despezzas, Minhas Finanças and Snabber have free plans, but bank sync is on the paid plans (at Snabber, also during the 7-day trial).

Which finance app connects to ChatGPT and Claude?

Snabber, Organizze, Pierre, Visor and Minhas Finanças. The difference is the plan: with bank sync, the cheapest monthly option is Snabber Basic (R$ 19.90/month); billed yearly, Snabber Basic and Minhas Finanças Sync Bank both cost R$ 199.90. To understand why ChatGPT alone can't see your bank statement, read Can you connect your bank to ChatGPT?.

Can I add and delete expenses through ChatGPT or Claude?

With Snabber, yes: the AI creates, edits and deletes transactions, accounts and categories. Before deleting, it shows what will go, and any action can be undone for up to 30 days. Minhas Finanças' website states that its AI can create records and make edits with confirmation.

What's the cheapest app with Open Finance?

For free, Pierre (1 bank). Among paid options, Mobills Premium costs R$ 99.90 per year on its official website. Month to month, Snabber Basic costs R$ 19.90 with 1 connection, or R$ 16.66/month billed yearly.

Which finance app has no ads?

Snabber has no ads on any plan, including the free one. Despezzas removes ads on its paid plans. Minhas Finanças' free plan states "a few ads".

Do any of these apps sell credit cards or investments?

Pierre offers the Pierre One credit card and Pierre Invest alongside expense tracking. Snabber doesn't sell financial products: it only charges a subscription.

Which app works for personal and business finances?

Organizze accepts personal and business connections on Conectado Plus, and Visor includes business accounts on Premium. At Snabber, you create separate spaces for personal and business money, each with its own accounts and categories.

Sources

• Pierre: plans page and help center
• Mobills: Premium page
• Organizze: plans, AI agents and API
• Visor: pricing
• Despezzas: plans
• Minhas Finanças: website, plans and AI agents (MCP)
• Detailed, criterion-by-criterion comparison: Snabber comparison page (in Portuguese)

Pierre, Mobills, Organizze, Visor, Despezzas and Minhas Finanças are trademarks of their respective owners. Snabber is not affiliated with these companies.