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Banking4 vs Saldo: catalog facts
Banking4	Saldo
Paid Commercial software; see the website for current prices.	Free Free and open source under GPL-3.0-or-later.
Windows, macOS, Android, iOS	Linux
Data kept encrypted on your own device Supports FinTS/HBCI and EBICS	Shows balances and transactions through FinTS Available as a Linux app on Flathub
Website and interface in German Oriented toward German banks and banking standards	Bank access depends on FinTS support
Downloadable app	Downloadable app
Closed source	Open source
License not stated	License: GPL-3.0-or-later
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 8, 2026

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