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Banking4 vs Finanzguru: catalog facts
Banking4	Finanzguru
Paid Commercial software; see the website for current prices.	Free Managing accounts and contracts is free, according to the developer.
Windows, macOS, Android, iOS	Android, iOS
Data kept encrypted on your own device Supports FinTS/HBCI and EBICS	Accounts, contracts and spending shown in one app Automatic categorization of transactions
Website and interface in German Oriented toward German banks and banking standards	Aimed at the German market, with a German-language interface Requires linking bank accounts to a cloud service
Downloadable app	Downloadable app
Closed source	Closed source
License not stated	License not stated
Not stated if an account is needed	Not stated if an account is needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked October 2, 2026	Official website Full listing and sources Checked October 2, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.