Self-hosted / open sourceFintech & NeobanksHeadquarters: DE

MoneyMoney: sovereignty score and 8 European alternatives

MoneyMoney is a desktop application for macOS that brings together the accounts, balances and transactions of a user's bank accounts. It retrieves data through the FinTS/HBCI standard and, where a bank allows it, through PSD2 interfaces, so users do not log in to each bank's website. It supports transfers, standing orders, categories and PDF account statements, and is installed on the user's own Mac.

MoneyMoney is operated by MRH applications GmbH in Düsseldorf, Germany, which is supervised by BaFin as an account information service provider. Account data and transactions are stored in an encrypted database on the Mac. Bank communication runs directly between the Mac and the bank, unless the optional PSD2 online service is enabled. The update server is hosted in Germany. The app is not described as open source. For a European organisation, banking data stays on its own device, although updates depend on a German vendor.

See the 8 European alternatives ↓Assess your stack with MoneyMoney pre-selected

Mastodon LinkedIn Bluesky X Email

Sovereignty score

80 / 1000 = high exposure
100 = sovereign

Jurisdiction SOV-2100
Headquartered in the EU: European law applies
Data residency SOV-3100
EU-only hosting
Cryptographic key sovereignty SOV-380
Closed source, but self-hostable: encryption keys and runtime under your own control
Freedom from lock-in SOV-640
Closed source: switching requires data migration
Source & runtime sovereignty SOV-4 · SOV-680
Closed source, but self-hostable on your own infrastructure

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 12, 2026

Headquarters	DE (EU)Verified by hand
Data hosting	Self-hosted, e.g. in EU (your choice)Verified by hand
Open-source	NoVerified by hand
GDPR-compliant	YesVendor-stated
Category	Fintech & Neobanks
Type	Product
Website	moneymoney.app ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to MoneyMoney

The European alternatives to MoneyMoney come from our knowledge base of over 8,000 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

144 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

Is MoneyMoney one of many dependencies?

Score your whole stack in about three minutes. Free, no account needed.

Assess your stack →View a sample report (opens in a new tab)

Why digital sovereignty matters with MoneyMoney

MoneyMoney is headquartered in DE and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

MoneyMoney runs on infrastructure you choose and control yourself. You decide where the data lives, including fully within the EU if you want — this is not a fixed hosting choice made by the vendor.

MoneyMoney is closed source, but you run the software yourself on your own infrastructure. The encryption keys and the runtime therefore stay under your own control, though you cannot audit or modify the source code. Ask about export options and open standards to limit software-level lock-in.

What this means for your organisation depends on your whole stack and context. The free assessment weighs MoneyMoney together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to MoneyMoney?

It depends on your use case. Strong EU alternatives to MoneyMoney include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to MoneyMoney?

Our list of EU alternatives to MoneyMoney is mostly commercial options. Browse the category on the map for open-source choices.

Is MoneyMoney GDPR-compliant and where is the data hosted?

MoneyMoney is headquartered in DE (EU) and hosts data in EU. That makes MoneyMoney an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 12, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

Also in this category

See all →

Open in the alternatives dashboard Missing a vendor? Submit it Are you this vendor? You can also become a sponsor on the Fintech & Neobanks page — with no effect on your score