WeMoney
Financial wellness app that consolidates debts, tracks your credit score, and flags subscriptions you've forgotten about.
Debt and subscriptions on autopilot, the same background-monitoring instinct FindFetcher applies to prices.
WeMoney is what I'd suggest if Frollo feels like it's missing a layer. Same starting point, Open Banking link, categorised transactions, but WeMoney doesn't stop at showing you the numbers. It actively looks for debt consolidation opportunities, tracks your credit score over time, and pokes you when it spots a subscription still charging you for something you've forgotten about.
That active layer is the whole pitch. Where Frollo is a mirror, WeMoney is closer to a nudge. If you're carrying credit card debt or a personal loan, having something surface consolidation options without you having to go looking is genuinely useful, even if you don't take every suggestion. Same with the credit score tracking, watching it move over months gives you a concrete signal that whatever you're doing is working or isn't.
The free tier covers most of this. Where WeMoney asks for money is the Pro tier, which adds custom categories and more detailed goal tracking, sitting around $9.99 a month or $99 a year. I'd only pay for it if you've used the free tier long enough to know you want to slice your spending your own way rather than accept the default categories, because that's really the only thing you're buying.
Honest trade-off: more features means more surface area, and some people find WeMoney a bit busier than Frollo's cleaner, quieter view. If you want the picture without the prompts, Frollo's the better fit. If you want something actively working the numbers alongside you, WeMoney earns its place.
Frequently Asked Questions
Is WeMoney's Pro tier actually worth paying for?
It depends on whether you'll use the extra features. Pro adds custom categories and deeper goal tracking on top of the free tier's transaction view, debt tools, and subscription alerts. If you're already using the free tier heavily and keep hitting its limits, the roughly $9.99 a month or $99 a year is a reasonable ask. If you mostly just want to see where your money goes, the free tier alone covers that.
How is WeMoney different from Frollo if they're both free to start?
Both use Open Banking to pull categorised transactions, so the starting point is nearly identical. WeMoney goes further by actively suggesting debt consolidation options, tracking your credit score over time, and flagging subscriptions you've forgotten about. Frollo stops at the picture, WeMoney tries to act on it.
Does checking my credit score in WeMoney affect it?
No. WeMoney uses a soft credit check to display your score, which doesn't leave a mark on your credit file the way a hard inquiry from a loan application would. You can check it as often as you like without it affecting your ability to borrow later.
Is it safe to let WeMoney suggest debt consolidation products?
WeMoney is CDR accredited the same way Frollo is, so the underlying data connection is secure and read-only. The debt consolidation suggestions are still commercial recommendations though, so treat them as a starting point for research rather than financial advice, and compare any offer against what your own bank or a broker can give you.
Will WeMoney tell me about a subscription price increase before it happens?
It flags subscriptions based on recurring transaction patterns it detects after the fact, so it's picking up a charge that already happened rather than warning you in advance. It's still useful for catching the streaming service or app subscription you forgot you had, just don't expect a heads-up before the charge lands.
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