Frollo
Open Banking-powered app that auto-links your Australian bank accounts and tracks budgets, bills, and net worth for you.
Frollo puts your money on autopilot the same way FindFetcher puts your shopping on autopilot, both quietly watch the numbers so you don't have to.
Frollo is the one I point people to first when they've never used a budgeting app before, because there's nothing to decide. You link your accounts through Open Banking, and within a few minutes every transaction from the last few months is sitting there categorised. No manual entry, no CSV imports, no deciding which spreadsheet template to use. It just shows you what's already true about your spending.
Day to day, the value is less about a dashboard you check obsessively and more about the moments you actually open it. Wondering how much you spent on eating out last month, or whether that gym membership is still coming out, Frollo answers it in a few taps because the categorisation is already done. It's the app for someone who wants visibility without committing to a system.
The trade-off is that Frollo doesn't try to change your behaviour. There's no debt payoff plan, no credit score nudges, no alerts telling you a subscription crept up in price. It shows you the picture and leaves the decisions to you. For some people that's exactly right, they don't want an app telling them what to do. For others, that's the ceiling, and it's worth knowing going in that you'll outgrow it if you want more active coaching.
Worth saying plainly: Frollo isn't a charity play. It's free because Frollo the company sells its Open Banking infrastructure to banks and lenders, and the consumer app is the demonstration of that technology. That's a perfectly sound business model and it means the free tier isn't a bait-and-switch, there's genuinely no paid version waiting behind a paywall.
Frequently Asked Questions
Is Frollo safe to connect to my bank accounts?
Yes. Frollo connects through Australia's Consumer Data Right, the same Open Banking framework that lets you share bank data with an ACCC-accredited provider under strict rules. Frollo can only read your transaction data, it can never move money or make payments on your behalf, and you can revoke access at any time from your bank's own app.
How does Frollo make money if it's free for users?
Frollo licenses its Open Banking technology to banks, lenders, and other financial institutions rather than charging users directly. Your budgeting app is effectively a showcase of a product they sell in bulk to the finance industry, which is why there's no paid tier pushing you to upgrade.
Frollo vs WeMoney, which one should I use?
They start from the same base, categorised transactions pulled via Open Banking, but WeMoney adds debt consolidation suggestions, credit score tracking, and subscription alerts on top. If you just want a clean picture of where your money goes, Frollo does that with nothing to pay. If you're carrying debt or actively want tools nudging you to optimise it, WeMoney's extra layer is worth a look.
Does Frollo work with all Australian banks?
It works with any bank that participates in the Consumer Data Right, which covers the big four and a long list of smaller banks and credit unions. If your bank hasn't rolled out CDR support yet, you'll need to wait or use Frollo's older manual-link option where available.
Can I use Frollo to track more than just spending?
Yes. Beyond categorised transactions, Frollo builds a net worth view by pulling in linked accounts, so you can see savings, debts, and spending in one place rather than jumping between banking apps.
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