Frollo's bank feeds are automatic. Budgi's features are all free and never touch your bank. Here's the honest trade-off.
Frollo is free and plugs straight into your bank through open banking, so transactions land on their own. If hands-off is what you want, that's a genuine advantage and Budgi has no answer to it. Budgi takes the other road: every feature is free, and nothing ever connects to your accounts. You export a CSV from your bank, upload it, and the AI categorises it — that file is the extent of what Budgi ever sees. In exchange you get the AI coach, net worth with super, debt strategies, sinking funds and scenario planning, for nothing.
Competitor details checked against each provider’s own published information on 25 September 2026. Features and pricing change often — check with the provider before deciding. Tell us if something is out of date.
Credit where it's due first: Frollo's CDR bank feeds are automatic, and Budgi has nothing that matches them. Give consent once and transactions keep arriving without you lifting a finger. Frollo also covers budgets, goals and a net worth tracker. Where Budgi goes further is the layer above that: an AI coach, super and salary-sacrifice modelling, and debt payoff strategies. It answers “where did my money go?” but not “what should I do with it now?” And those feeds only reach what the CDR covers — plenty of smaller institutions, older accounts and business products sit outside it.
Three things. Cost: every feature is free — the AI financial planner, net worth with super and debts, salary sacrifice modelling, avalanche and snowball debt strategies, sinking funds for irregular expenses, scenario planning and a structured weekly check-in. No paid tier, no trial, no card. Privacy: there's no CDR consent to sign and no accredited data recipient sitting on a copy of your banking data, because Budgi never holds read access to your accounts. You upload a file, and that's where it ends. Coverage: every Australian bank lets you export a CSV, including the smaller ones CDR skips, plus older accounts, business accounts and products the CDR leaves out. The trade-off is plain — uploading is manual. It's a two-minute job once a month, or whenever you want a fresh read. If you'd rather never think about it, Frollo's automatic feeds are the better fit. The AI coach then gives personalised, Australian-specific guidance — super, tax, property — based on your real numbers, not generic tips.
Frollo is free and syncs by itself, and it covers tracking, budgets, goals and net worth well. Budgi adds the layer above that — super and salary-sacrifice modelling, debt payoff strategies and an AI coach — and the trade-off is that you upload the CSV yourself, about two minutes a month.
Yes, Frollo is completely free. Budgi is free too — every feature, no paid tiers, no trial and no card.
No, and that is deliberate. There is no open banking or CDR connection. You export a CSV of your transactions from your bank and upload it, and the AI categorises it. Nothing has ongoing read access to your accounts.
No. Frollo focuses on transaction tracking and basic budgets. No AI coach, wealth planning or super features.
Yes. Download a CSV statement from your online banking, upload it to Budgi and the AI categorises the lot. Upload as far back as your bank lets you export, then top it up whenever you want a fresh read.
If you want transactions to arrive without you doing anything, Frollo wins — its bank feeds are automatic and Budgi has no equivalent. If you are happy to upload a CSV once a month, Budgi gives you far more for nothing.
Every feature, free. No bank connection, no card, no trial — export a CSV from your bank and Budgi does the rest.
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