Two Dutch apps with opposite instincts. Dyme connects to your bank under a payment licence and goes to work on your fixed costs. CroSum never connects to anything.
Read this knowing who wrote it. CroSum is our own app. We built it, we sell it, and this page sits on our website — so read the CroSum column as an interested party talking.
Everything in the Dyme column comes from dyme.app. Prices and features checked on 26 July 2026. Both apps change, and prices may have changed since — check their own site before you decide.
Dyme is a money-saving service with an app attached. It links to your bank accounts under a PSD2 licence from De Nederlandsche Bank, shows your income and fixed costs, and then does something most budgeting apps do not: it goes after the costs themselves. It renegotiates contracts, and it will cancel a subscription for you by registered letter. Dyme's own site claims more than 500,000 members.
CroSum is a budgeting app with no service attached and no connection to anything. You type in what you earn and spend; it works out a safe-to-spend figure, tracks budgets, models loans properly and projects twelve months ahead. Nothing leaves the phone unless you back it up to your own Drive.
So the question is less "which app is better" and more "do you want someone acting on your finances, or only a private picture of them?" If you want the acting, Dyme does things CroSum does not do at all.
Because nothing arrives automatically, CroSum has to earn its keep on the maths. Safe to Spend takes the bills that have not landed yet, the budgets you set and the cash you actually hold, and gives you one number. Loans get a real amortisation schedule. The planner runs twelve months forward so you can test a decision before you make it.
The planner and the recommendations engine are Premium. Budgets and Safe to Spend are free.
Where CroSum simply does not do something, the cell says so with a dash rather than a hedge.
| CroSum | Dyme | |
|---|---|---|
| How transactions get in | You enter them yourself. There is no bank connection to switch on. | Automatically, through a PSD2 bank connection. |
| Regulatory status | Not a payment service. CroSum touches no accounts, so there is nothing to licence. | Holds a PSD2 licence from De Nederlandsche Bank, and states it is supervised accordingly. |
| Where your finance data sits | On your device. Optional backup to your own Google Drive or iCloud. Our billing server sees a subscription receipt and nothing else. | In Dyme's service, which is what makes the overview and the savings work possible. |
| Cancelling subscriptions for you | — | Yes. Cancellation by registered letter, with a stated 100% cancellation guarantee when done through their site. |
| Renegotiating your contracts | — | Yes, for energy, insurance and similar fixed costs, on a commission of what it saves you. |
| Business model | A subscription, and nothing else. There is no commission and nobody to sell data to. | A free app plus Premium tiers, and commission on the savings it arranges. |
| Free tier | Yes. Unlimited transactions, categories and budgets, Safe to Spend, widget, reminders, backup and CSV export, plus one loan and one savings goal. | Yes. Dyme states the app can be downloaded and used free of charge. |
| Paid tiers | One Premium plan: €3.99 a month, or €35.99 a year. 14-day free trial on both. | Premium Silver and Premium Gold. Dyme did not publish the amounts on the pages we checked, so check the current price in the app rather than trusting a figure from a blog. |
| Loans | Annuity or linear amortisation schedule, real payoff date, and extra-payment what-ifs. One loan free, unlimited on Premium. | Not something Dyme's site presents as a feature. |
| Twelve-month forward planner | Yes. Change a rent, a job or a loan and see twelve months of cash flow before you commit. Premium. | Not something Dyme's site presents as a feature. |
| Works with no network | Yes — the app works fully in airplane mode. | A bank-connected service needs the network to do its job. |
| Where it works | Anywhere. Nothing depends on a local bank or a local contract market. | Built around the Dutch market — Dutch banks, Dutch contracts, Dutch providers. |
| Languages | Ten. | Dutch, with an English version of the site. |
| Platforms | Android, live on Google Play. An iPhone version is on the way. | iPhone and Android. |
| Analytics, ad and crash SDKs | None of the three. | Not something we can verify from the outside, so we make no claim. |
Anything we could not confirm on Dyme's own site is marked as such rather than guessed at — including their Premium prices, which we could not find published. If something here is out of date, write to support@crosum.app and we will fix it.
If two or more of those matter to you, install Dyme rather than us. We would rather you found the right tool.
Plenty of people would be well served doing exactly that: Dyme to strip out the fixed costs you had forgotten about, CroSum to plan what is left without a bank connection. They solve different halves of the problem, and neither locks you in.
No, and we are not going to pretend otherwise. PSD2 is a regulated framework, Dyme is licensed and supervised under it, and the connection is read-only in the sense that it does not let anyone move your money. Our objection is narrower: a connection means a copy of your transaction history exists somewhere other than your phone. If that does not bother you, PSD2 is a reasonable thing to use.
Not by itself — it cannot see anything you have not typed. It will show a recurring expense once you enter it, and it will remind you before it lands, but the discovery step is yours. Dyme genuinely does that part better.
No. CroSum is a tracking and budgeting tool, not a regulated financial adviser. Its recommendations are general suggestions derived from the numbers you entered yourself — not personalised financial advice. For decisions that matter, speak to someone qualified.
No card, no bank login, no ads. If it is not for you, your CSV export leaves with you.
Coming to iPhone