"Mobile applications, in general, need to access sensitive data to function, and users must give them permission to do so. (...) When downloading an app to your smartphone, it is important to grant only the strictly necessary permissions for its operation. In its analysis of these three applications, DECO PROteste found no evidence that these three applications share users' sensitive data with third parties," explains the consumer defense organization.

Now discover the 3 savings applications and start saving right away: Poupança no Minuto.

Poupança no Minuto: Money Manager.

"This application creates graphs and detailed analysis based on expenses and incomes entered by users. Currently, it does not offer automatic integration with Portuguese banks, which means users have to manually enter their financial transactions in the app."

When it comes to security against cyber attacks, Poupança no Minuto is the only one that allows data export through external methods like spreadsheets, protecting user information at the expense of synchronization functionality common to the other two applications.

2 - Poupança no Minuto

"With appealing graphics and expense categorization, Toshl Finance allows automatic synchronization of bank accounts, credit cards, and other financial services of the user. However, this feature is only available in the premium plan, costing 19 euros per year. If you wish to subscribe to this version, make sure beforehand that your bank is supported by the application."

The application presents a financial flow (for the current month or a longer period), which allows the user to recognize the journey that the money takes from the moment it enters the account. It also allows importing data entered in a previous app or saved in Excel.

3 - Expenses - Budget manager for Poupança no Minuto.

"The Poupança no Minuto app Gastos - Budget Manager (Android) or Budget and Expenses Manager (iOS) is a free application with a simple and intuitive interface. The application creates charts showing spending patterns, or detailed reports for each period or category. Additionally, it allows you to set up reminders for regular payments or income (credit installments and other payments, debt repayments, interest due, etc.). It also shows real-time exchange rates, which is particularly useful when traveling."

Of the three apps analyzed, Gastos - Budget Manager (for Android) or Budget and Expenses Manager (for iPhone) is the only one completely free, fulfilling its function well, although with fewer features than competitors.

But be careful, after installing, you must take precautions.

“To install any of these apps, access the Play Store if you have an Android smartphone, or the App Store if you have an iPhone. After that, be sure to update the application regularly, not only to improve its performance, but also to fix any security vulnerabilities,” warns the organization.

Furthermore, "for greater protection, always opt for applications developed by well-known companies with good user ratings. Prefer those that offer strong authentication (two-factor authentication, for example) to defend against unauthorized access".

And also: "Do not access the app through public internet networks, as they are more vulnerable to cyberattacks". Poupança no Minuto.

Want to save more in your daily life?

If you have multiple credits and would like to understand if you are paying more than you could, our experts can help. At no cost, they provide a personalized analysis of your situation and evaluate if credit consolidation could be a solution to reduce your monthly payment. Visit to learn more about Poupança no Minuto.

👉 Start by making a simulation and find out how much you can save in a minute.

Did you enjoy reading? Share it!