Source-backed analysis10
Review basis
Research-based review: the AppDuo Editorial Team compiled it from official pages, documentation, app stores, press and user feedback, without hands-on testing. Every claim links to a source with the date it was checked.
10 reference sourcesInformation updated Nov 11, 2026
How we review
Money Lover Review
Expense tracker from Hanoi-based Finsify with a one-time Premium unlock
By AppDuo Editorial Team · Updated
- iOS
- Android
- Web
- Windows
On this page
Decide at a glance
Our verdict
Money Lover suits people who want expense, budget and debt tracking and would rather pay once than subscribe. The trade-offs: bank linking is a separate subscription, the website has no price list, and the free tier shows ads and allows one wallet.
Best for: Individuals logging daily spending and budgeting by category
Skip it if: People who want automatic bank sync without paying for a subscription
Pros
- Covers the core jobs: budgets, recurring transactions, bill reminders, debt tracking, saving goals, multi-currency
- Premium is a one-time purchase, listed at 19.99 USD on the US App Store, with no monthly fee
- Runs on iOS, Android, the web, the Microsoft Store and Apple Watch; interface in 29 languages (English, Vietnamese, Japanese, Thai, …)
Cons
- The website publishes no prices; Premium and Linked Wallet prices are only visible in the app stores
- Bank linking is billed separately and not included in Premium
All pros and cons · Who is it for?
More pros
- Strong App Store ratings: 4.6/5 in the US, 4.7/5 in Vietnam
- Bank linking is read-only, with a 7-day trial
More cons
- A 2023 flaw exposed shared-wallet emails and transactions to other signed-in users (since fixed)
- The free tier shows ads and is limited to one wallet
Best for
- Users who prefer a one-time Premium purchase over monthly fees
- Frequent travellers who need multi-currency tracking
Skip it if
- Those needing investment tracking or team/business budgeting
Experience & key features
Money Lover is a personal expense app from Finsify JSC, headquartered in Hanoi. According to Vietcetera, founder Huy Ngo built it because he could not find a mobile spending tracker he liked. It runs on iOS, Android, the web and the Microsoft Store, with an Apple Watch companion.
Per the homepage and App Store, it covers category-based logging, budgets, reports, recurring bill reminders, debt tracking, saving goals, multi-currency records, a widget and multi-device sync. Besides manual entry, you can type a sentence such as "buy textbooks $45" or snap a receipt and AI fills in the entry; version 8.93.0 adds logging from payment notifications. Linked Wallet pulls transactions from banks; the App Store lists banks in Vietnam, Thailand, Indonesia, Malaysia, the Philippines, Singapore, Hong Kong and elsewhere.
On price: the app is free with ads and one wallet. Premium unlocks unlimited wallets and budgets, recurring items, CSV/Google Sheets export and removes ads; the US App Store lists it as a one-time 19.99 USD purchase. Linked Wallet is a separate subscription with a 7-day trial, listed from 2.49 USD/month on the US App Store. The official website has no price list, so prices are only visible in the app stores.
Compared with MISA MoneyKeeper, Money Lover has a broader international footprint but charges separately for bank linking; compared with YNAB, it leans toward simple record-keeping rather than a strict budgeting method. Before entering sensitive financial details, weigh the 2023 security flaw and the data disclosures on the App Store and Google Play.
Screenshots
Plans & pricing
Prices last verified Nov 11, 2026
Free
PersonalFree
Free to download and ad-supported. Per Money Lover's blog, a Free account is limited to one wallet; per the help center, unlimited wallets, budgets, recurring transactions, events, bills, debts and loans are Premium-only.
Premium
PersonalContact sales
One-time lifetime purchase: 19.99 USD on the US App Store ("Money Lover PREMIUM Lifetime"), which also lists a discounted 9.99 USD upgrade. Unlocks unlimited wallets, budgets, recurring transactions, bills, debts and loans, CSV/Google Sheets export, a total-wallet report and no ads. Linked Wallet and Money Insider are not included.
Linked Wallet
Personal$2.49/mo
A separate subscription that links bank accounts and syncs transactions automatically; not part of Premium. The US App Store lists two monthly options, 2.49 USD and 2.99 USD, and no yearly option. First-time subscribers get a 7-day free trial; connections are read-only.
- Free plan limits
- The free tier covers expense logging, basic budgets and reports, with ads; per the official blog, a Free account is limited to one wallet.
- Free trial
- 7-day free trial · no credit card
Cancellation & refunds
AppDuo found no separate Money Lover refund policy. Cancelling Linked Wallet within the 7-day trial means no charge. Purchases through the App Store or Google Play follow the store's refund policy.
Privacy
Finsify's privacy policy says it does not sell, trade or rent personally identifiable information and that data travels over SSL-secured channels. Users can delete their account and all data in the app (processed within 72 hours), and accounts inactive for 24 months are deleted. The App Store privacy label says the app may collect financial info, location, email and contacts linked to the user's identity, plus identifiers and usage data used for tracking; Google Play's data-safety section says personal info and app activity may be shared with third parties. For Linked Wallet, the help center says bank connections are read-only, with data encrypted using RSA-2048 and stored on Google and Amazon servers. In 2023 Trustwave disclosed a flaw that exposed shared-wallet data (see incidents).
Controversies & incidents
Issues documented by the press, regulators, courts or the vendor itself. Every item is sourced; unproven claims are labelled as allegations. Last researched: Nov 11, 2026
- Medium impactResolvedSecurity ·
Shared-wallet email and transaction exposure (Trustwave, 2023)
Per Trustwave SpiderLabs, any signed-in user could see emails, wallet names and transactions of other shared wallets. Trustwave observed the web-interface exposure fixed as of 27 January 2023.
Read the full account
According to Trustwave advisory TWSL2023-003, researcher Troy Driver, himself a Money Lover user, found that shared-wallet transaction data was sent over WebSocket messages visible in the browser's developer tools. The exposed data included emails of other wallet members, wallet names and transaction metadata such as transaction IDs; no bank account or card numbers were exposed. The report says all Shared Wallet users were affected, but only the web interface was tested and no user count is given. Dark Reading quoted Trustwave warning that the emails, wallet names and transaction IDs could be used in phishing emails urging users to move money. Trustwave states Finsify confirmed developers monitor the contact mailbox but stopped responding by email and Facebook Messenger after receiving the proof of concept. Trustwave published on 7 February 2023 after repeated failed attempts to re-establish contact, and observed the web exposure fixed as of 27 January 2023.
Vendor response
Per Trustwave, Finsify confirmed its contact mailbox is monitored but did not respond further after receiving the proof of concept; AppDuo found no public Finsify statement on the issue.
Sources:Trustwave SpiderLabs advisory TWSL2023-003 (via LevelBlue)Dark Reading: 'Money Lover' Finance App Exposes User Data (8 Feb 2023)
Frequently asked questions
Is Money Lover free?
There is a free tier with ads. Per the official blog, a Free account has one wallet. Premium and Linked Wallet are separate paid options.
Is Money Lover Premium a subscription or a one-time purchase?
A one-time lifetime purchase. The US App Store lists it at 19.99 USD, with a discounted 9.99 USD option also listed. Premium does not include Linked Wallet or Money Insider.
Can Money Lover link to bank accounts?
Yes, through the Linked Wallet subscription with supported banks in Vietnam, Thailand, Indonesia, Malaysia, the Philippines and other countries. Connections are read-only; the US App Store lists it from 2.49 USD/month, with a 7-day trial for first-time subscribers.
Does Money Lover support Vietnamese?
Yes. The website has a Vietnamese version, the Vietnam App Store listing is in Vietnamese, and the App Store lists 29 interface languages.
Review evidence & sources10
Scores
- Ease of use
- 7.8
- Features
- 7.8
- Value for money
- 7.6
- Performance
- 7.4
- Support
- 6.8
- Privacy & security
- 6.5
Why this score
Quick entry via widget, notifications and Apple Watch; per the App Store, you can type a sentence or snap a receipt and AI fills in the entry. 29 interface languages. Some App Store reviewers report issues with recurring transactions and icons.
Why this score
Covers budgets, debts, recurring items, travel mode, saving goals, CSV/Google Sheets export and bank linking in some countries. No investment tracking or team use.
Why this score
A 19.99 USD lifetime Premium on the US App Store is low for an expense tracker next to subscription-only apps. Points off because Linked Wallet is billed separately, the free tier has ads and one wallet, and prices appear only in the app stores.
Why this score
Multi-device sync and regular releases. Google Play's 4.1/5 across about 208,000 reviews points to a less consistent experience.
Why this score
Help center, email and in-app chat (per Google Play). Trustwave says Finsify stopped replying after receiving its 2023 vulnerability report; some App Store reviewers say they got no reply.
Why this score
The policy says data is not sold and accounts can be deleted, but the App Store label lists broad collection, some used for tracking, Google Play notes sharing with third parties, and the 2023 flaw exposed shared-wallet data.
What users say
- App Store (US)4.6/5 · 2,300
- App Store (Việt Nam)4.7/5 · 27,000
- Google Play4.1/5 · 208,000
Sources
- Vendor-providedOfficial websiteNov 11, 2026
- Vendor-providedOfficial privacy policyNov 11, 2026
- Vendor-providedHelp center: Linked Bank Wallet SubscriptionNov 11, 2026
- Vendor-providedHelp center: Premium main featuresNov 11, 2026
- storeApp Store listing (US)Nov 11, 2026
- storeApp Store listing (Việt Nam)Nov 11, 2026
- storeGoogle Play listingNov 11, 2026
- pressTrustwave SpiderLabs advisory TWSL2023-003 (via LevelBlue)Nov 11, 2026
- pressVietcetera: Money Lover, a Vietnamese-built fintech app going globalNov 11, 2026
- pressDark Reading: 'Money Lover' Finance App Exposes User DataNov 11, 2026
Specs & compatibility
- Developer
- Finsify
- Headquarters
- Vietnam
- Launched
- 2013
- Category
- Finance
Capabilities
- Mobile app
- AI features
- Integrations
- Real-time collaboration
Platforms
- iOS
- Android
- Web
- Windows
Interface languages
- English
- Vietnamese
Integrations
- Google Sheets
- CSV
- Liên kết ngân hàng (Linked Wallet)
- Apple Watch
Support
- Help center
- Live chat
Change history
- Feature.Version 8.93.0 on the App Store adds logging transactions directly from payment notifications.
- Update.Trustwave SpiderLabs published advisory TWSL2023-003 on the Money Lover information disclosure.
- Update.Trustwave observed the shared-wallet data exposure on the web interface fixed as of this date.
Full change history (5)
- Update.The privacy policy effective from this date says accounts inactive for 24 months are deleted along with their data.
- Update.Per Vietcetera, Google ranked Money Lover first for personal finance among its best Android apps.
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