Personal finance across every currency you hold.

No. Rasa Money never connects to your bank, and it never asks for a bank login. You create each account yourself. You record transactions by typing them, or by importing a CSV or XLSX file you already downloaded from your bank. Balances are calculated from those records, not pulled live from an institution. That is the design, not a missing feature. An open-banking connection looks convenient until you change country, change bank, or the aggregator drops the institution you actually use. It also puts a third party, and then us, in the path of a credential that can move money. There is no link-account step and no vault of bank passwords to protect, leak, or hand over. If automatic feeds are a requirement for you, a bank-sync app may be a better fit, and the comparison pages say so plainly. If you want a ledger that stays accurate across currencies without handing over a bank login, you import or you type, and the history stays yours.

No. Rasa Money is a personal finance manager. It tracks accounts, budgets, recurring payments, and debts. It does not hold, transfer, or invest your money, and it is not a bank, broker, or financial advisor. Every balance in the app is a record you maintain. Nothing is synced from a bank. The only real money that moves between you and Rasa Corp is your subscription payment, if you choose Pro. We cannot pay a bill, move a balance, or freeze a card, because we never have a path to do those things. That limit is what makes the no-bank-login design possible. You can export your data on Pro, reset a workspace, or delete the account, and those actions are password-gated because they affect your records, not because we sit inside your bank. If you need an app that moves money or holds a balance, this is the wrong product, and we would rather say that here than in a footnote.

Rasa AI is a chat assistant grounded in your own Rasa Money data. You can ask what you spent, how a budget is doing, or what a feature does. You can ask ordinary personal-finance questions. You can also ask it to draft transactions, including recurring ones, plus accounts, categories, budgets, and debts. It does not save those records on its own. It shows a confirmation card that states exactly what it is about to create, and nothing is written until you press Confirm. An unconfirmed card expires after an hour. It will not discuss topics outside your data, the product, and personal finance. Questions about entertainment, coding, or unrelated trivia get a short redirect rather than an answer. Rasa AI is a Pro feature. It cannot see a bank it was never connected to, and it cannot move money. It reads the ledger you built and, when you confirm, it can add to that ledger.

Basic is free so you can explore the product. It allows 2 accounts, 1 currency, 10 transactions in total and 3 per day, 2 budgets, 10 categories, and 1 debt. Recurring transactions, file import, Rasa AI, advanced dashboard widgets, advanced debt actions, and data export are not on Basic. Pro removes those limits and unlocks them. Pro includes a 7-day trial on monthly and annual billing. The trial is once per account. If you have already used it, subscribing again does not start a second one. Upgrades apply immediately. Downgrading to Basic is scheduled for the end of the current billing period, so you keep Pro until then and are not charged again after that. Downgrading does not delete history. If you are over a Basic limit, existing records stay. You just cannot create new ones until you are back under the limit or you upgrade. Live numbers are on the pricing page.

Each account keeps the currency you chose when you created it. A euro account stays in euros. A dollar account stays in dollars. Amounts you enter stay in that original currency. For a dashboard total, a report, or a comparison, Rasa Money converts into the base currency you chose, using the rate that belonged to the transaction date. Past dates use the mid-market rate stored for that day, and that stored rate does not change later. Today's rate refreshes from one central provider. It is not your bank's rate. Future-dated cross-currency transfers, and foreign-currency subscription payments, start as an estimate at today's rate. When the date arrives, the real rate is applied, the balance is corrected by the difference, and you are notified if the amount moved. Basic allows one currency. Pro is what removes that limit, which is when multi-currency budgets and debts are actually usable. If every account uses the same currency, there is nothing to convert, and the base currency locks to that currency.