Finthy Colombia - Personal Finance Dashboard

Money in Colombia: Banks, Wallets, and One Dashboard

Few countries embraced digital wallets as fully as Colombia. The average financially active person juggles a Bancolombia or Davivienda savings account, a credit card, a Nequi balance for everyday spending, a Daviplata account, and PSE payments for almost everything else.

The problem isn’t a lack of tools — it’s that each one shows only its own slice. Your bank’s app doesn’t know how much you moved through Nequi. Your credit card sits apart from your savings. And when money is spread across that many apps, it becomes almost impossible to know what you’re really spending each month.

Finthy brings every piece together in one dashboard: bank accounts, wallets, credit cards, and savings — all in a single view.

How Finthy Connects to Colombian Banks

Colombia is moving toward Open Finance (Finanzas Abiertas), the framework that will eventually let apps share banking data securely. But that scheme is still rolling out, so automatic sync is not yet available, and Finthy will never ask for your online banking password.

Instead, Finthy uses secure file upload:

• Export your statement from the app or portal of Bancolombia, Davivienda, Banco de Bogotá, BBVA Colombia, Banco de Occidente, Scotiabank Colpatria, or your Nequi and Daviplata account
• Upload it securely to Finthy, where AI reads each transaction, categorizes it, and adds it to your dashboard
• Add accounts manually for anything you prefer to track by hand, including cash, investments, or income in dollars

This approach works today, keeps your credentials entirely out of the picture, and puts you in control of exactly what you share. When Open Finance becomes available, automatic sync will come to Finthy.

Wallets Are Everywhere: Nequi, Daviplata, and PSE

In Colombia, everyday money moves through your phone. Nequi and Daviplata replaced cash for millions of people, and PSE is the standard way to pay bills and shop online.

Finthy is built for that reality. It brings your wallet movements together with your bank accounts and cards, so you see your real position instead of hopping between five apps. If you earn in other currencies, you can also budget across currencies and see everything converted to pesos with up-to-date exchange rates.

This matters even more for Colombians who manage money across two countries — receiving remittances, working remotely for foreign clients, or keeping accounts abroad.

Budgeting in Colombian Pesos

Finthy’s categorization engine understands Colombian spending:

• Supermercados — Éxito, Carulla, D1, Ara, and Olímpica categorized automatically
• Transporte — TransMilenio, Tu Llave card recharges, Uber, DiDi, and fuel
• Servicios — EPM, Codensa, Vanti, Claro, Movistar, and Tigo grouped together
• Wallets and delivery — Nequi, Daviplata, and Rappi movements tracked alongside bank accounts

Set budgets in pesos for daily life and keep a separate view for savings goals. Our zero-based budgeting guide walks through assigning every peso a purpose.

Who Uses Finthy in Colombia

Independent Workers and Freelancers

Colombia has a huge population of independent workers, many earning from foreign clients. Finthy helps separate business income from personal spending, track invoices paid in different currencies, and see your real cash position.

Savers Building a Real Cushion

If your goal is to save consistently, Finthy shows both sides of the flow — what you earn and what you spend — so you can see how much you actually managed to keep month to month.

Investors Diversifying

Many Colombians diversify into CDTs, funds, or international ETFs. Finthy tracks your local accounts and your international portfolio together, showing your total allocation and net worth with automatic currency conversion. Learn more in our retirement planning guide.

Security Built for Colombian Users

Finthy treats your financial data with bank-grade care:

• 256-bit AES encryption — data protected in transit (TLS 1.3) and at rest
• No credential storage — we never ask for or store your online banking passwords. Uploaded statements are processed and the original files are not retained
• You decide what to share — because connection is manual, nothing reaches Finthy unless you upload it
• Privacy first — your transaction data is never sold or shared with third parties, in line with modern fintech security standards