Tefteri is a privacy-first iPhone finance app from Athens with on-device storage, a free tier, and a €29.99 lifetime option. Spendee is a Czech-built cross-platform app with SaltEdge bank sync covering around 5,000 banks worldwide including some EU and Greek banks, shared wallets for couples, and tiered subscription pricing from €1.99/month. Both apps support manual entry and visual budgeting, but they diverge sharply on privacy architecture and Greek market fit.
| Feature | Tefteri | Spendee | Wins |
|---|---|---|---|
| Pricing | Free + Pro (€2.49/mo, €14.99/yr, or €29.99 lifetime) | Free; Plus €1.99/mo or €14.99/yr; Premium €2.99/mo or €22.99/yr | Tefteri |
| Free tier | Yes — full tracking, 2 budgets, dashboard, search | Yes — basic tracking, 1 wallet, limited budgets | Tefteri |
| Lifetime option | €29.99 one-time, yours forever | Not offered | Tefteri |
| Free trial | Free tier acts as an unlimited trial of the core app | Free tier available; no time-limited paid trial | Tie |
| Platforms | iPhone (iPad and Mac via iCloud sync coming) | iOS, Android, Web | Spendee |
| Bank syncing | No — manual entry by design | SaltEdge (~5,000 banks worldwide, including some EU and Greek banks) | Spendee |
| Manual entry | 3-tap entry flow optimized for speed | Supported, with a clean entry form | Tefteri |
| Methodology | Flexible category tracking, no methodology imposed | Flexible budgets and wallets, no strict methodology | Tie |
| Learning curve | Minutes — open and start logging | Short — wallet setup and category mapping add a few steps | Tefteri |
| Privacy model | On-device, synced via Apple iCloud (CloudKit) | Cloud-based on Spendee servers; bank credentials handled via SaltEdge | Tefteri |
| Data ownership | Your data stays in your iCloud account | Stored on Spendee infrastructure; export available | Tefteri |
| Multi-currency | EUR-first, single primary currency | Multiple currencies across separate wallets | Spendee |
| Categories | 8 tailored: Properties, Payroll, Interest, Housing, Vehicles, Personal, Subscriptions, Taxes | Preset and custom categories with icons | Tie |
| Recurring entries | Monthly templates free; advanced intervals with Pro | Recurring transactions on Plus and above | Tie |
| Reports | Dashboard free; full reports and analytics with Pro | Visual charts and spending breakdowns on paid tiers | Tie |
| Budgets | 2 free; unlimited with Pro plus rollover | Budgets on Plus and Premium; limited on free tier | Tefteri |
| Goals | Savings goals with pace tracking (Pro) | Savings goals on Premium tier | Tie |
| Subscription tracking | 33+ auto-detected brands | No dedicated subscription detection | Tefteri |
| Family / sharing | Single-user via iCloud | Shared wallets for couples and households | Spendee |
| Receipt photos | Yes (Pro) | Yes, on paid tiers | Tie |
| Export (PDF / CSV) | PDF and CSV export (Pro) | CSV export on paid tiers | Tefteri |
| Bilingual EN / EL | Full Greek and English | Multiple languages, but no Greek | Tefteri |
| Geographic focus | Built for Greece (categories, terminology, tax context) | Czech-built; EU bank coverage via SaltEdge | Tefteri |
Free with optional Pro from €2.49/mo, or €29.99 lifetime.
Free tier; Plus €1.99/mo or €14.99/yr; Premium €2.99/mo or €22.99/yr.
Yes, particularly for iPhone users in Greece who want on-device privacy and a one-time price. Tefteri does not connect to bank accounts and stores data locally via iCloud. If Spendee's bank sync or shared wallets are your primary reasons to use it, Tefteri is a deliberate trade-off rather than a like-for-like replacement.
Spendee uses SaltEdge for bank connections, which covers some Greek banks. Coverage varies and may require a Premium subscription. In practice, many Greek users find the available Greek bank connections limited compared to the headline figure of 5,000 banks worldwide.
Tefteri does not offer a one-click Spendee importer. Spendee allows CSV export, which you can use as a reference when setting up Tefteri. Most users find starting fresh and recategorizing is faster than reconciling an import.
Spendee. Shared wallets for partners and households are a core feature on paid tiers. Tefteri is a single-user app today, syncing across your own Apple devices via iCloud.
Spendee supports multiple languages, but Greek is not among them as of 2026. Tefteri ships with full bilingual Greek and English support across the entire app, including all labels, categories, and messages.
By design. Bank aggregators like SaltEdge require sharing credentials with a third party and store transaction history off your device. Tefteri keeps your data on-device with iCloud sync, which means no credentials are ever shared and no financial data leaves your Apple account.
Spendee's free tier limits you to one wallet and basic features. Recurring transactions and budgets require a paid plan. Tefteri's free tier includes full tracking, two budgets, the dashboard, and global search with no time limit.
Tefteri's €29.99 lifetime purchase works out to under €5 per year over six years, with no recurring billing. Spendee's Plus plan at €14.99/year is reasonable annually but adds up to €90 over six years. If you plan to track finances for years, Tefteri's lifetime option is materially cheaper.
Pick Spendee if you want automatic bank sync with EU or Greek banks via SaltEdge, shared wallets with a partner, a web app alongside mobile, or multi-currency wallets across different accounts. Pick Tefteri if you want your financial data to stay on your device and iCloud — never on a third-party server — or if you want one-time lifetime pricing, full Greek language support, or an iPhone app tuned for the Greek tax and income context. Spendee's Plus plan at €14.99/year is reasonable for what it delivers, but the Premium tier at €22.99/year offers little extra for Greek users who cannot fully use the bank sync. Tefteri's €29.99 lifetime option makes it the better long-term buy for iPhone-first users who track manually.
No subscription required. Free to download, with optional Pro from €2.49/mo or €29.99 lifetime.
