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Saldo vs Banking4: catalog facts
Saldo	Banking4
Free Free and open source under GPL-3.0-or-later.	Paid Commercial software; see the website for current prices.
Linux	Windows, macOS, Android, iOS
Shows balances and transactions through FinTS Available as a Linux app on Flathub	Data kept encrypted on your own device Supports FinTS/HBCI and EBICS
Bank access depends on FinTS support	Website and interface in German Oriented toward German banks and banking standards
Downloadable app	Downloadable app
Open source	Closed source
License: GPL-3.0-or-later	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 8, 2026	Official website Full listing and sources Checked October 2, 2026

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