Browse these frequently asked questions to find answers to the most commonly asked questions. If you can not find what you are looking for, you can always Contact us.  


MoneyCapp is an easy and clear app, which gives you complete overview and full control of your personal finances. It takes a few minutes to get started, and then you get:
- Crucial insight into your financial habits.
- More money for what you need and help to achieve your dreams.
- Fewer unpleasant fees and interest.
- A life without complicated budget sheets, incomprehensible advisors, creditors and expensive debt.

Once you have downloaded MoneyCapp in your appstore, you will need just a few minutes to get started. You decide how much money you max. will spend per month, and then you divide the amount between the envelopes Fixed Expenses, Variable Expenses and Fun Money. You will also receive an envelope for the next dream destination that you would like to save up for. You can just collect your money in one account in your bank and thus avoid overdrafts and fees. MoneyCapp is so easy, it only takes minutes to get started.

Once you have created your account and filled the envelopes with money, MoneyCapp will keep track of the rest for you. You can check at any time how much you have left in the envelopes and what you have spent money on. MoneyCapp sends you a notification if an envelope runs low. If your income changes, then you can also change the amounts in the envelopes. Remember that if you consolidate all your bank accounts into one account in your bank, and give MoneyCapp access to it, then it is easier to avoid overdrafts.


Security, data ethics and transparency are some of our core values. We protect your data and we could never share it with anyone. MoneyCapp is one of the few Danish fintech companies approved by the Danish Financial Supervisory Authority. This means that we are allowed to see (not touch!) the account data that you give us access to. But your money remains completely safe in your bank.

We want to help you manage your budget and achieve your dream goals. Like any financial advisor or accountant, we need to know a few things about your income and expenses. We want to help you understand how to spend your money, how to get more out of your monthly budget, how to stay within your budget, and how to save up for your dreams. We do not believe that you want to spend your time filling out detailed spreadsheets. When you give us access to your bank data, it is easy and in fact quite fun to keep track of the money. 

We only have access to the data we need so we can provide you with the service you need.

We can see how much money is in your account. What goes in and what goes out. And just like your bank, we can see the different categories. Such as. grocery shopping, insurance, gasoline or restaurants.

We would never give a third party access to your account. And we recommend that you create your account with a code that only you know and that you do not share it with anyone.

Use of MoneyCapp

The more you understand your spending habits, the better you can make sure you have money for the things you really need and that you can save up for the things you really want. We call it conscious consumption, and it's like healthy vitamins for your budget. You can use MoneyCapp for free, unlike the banks which tend to charge a lot of different fees.


It is very common for most people to occasionally have to overdraw on an account. Even if there is money in another account. The bank charges interest from you when this happens. And all these fees run up. Therefore, we actually recommend that you collect all your money in one bank account and link this account with MoneyCapp. This means that if you one month spend more on car repairs than planned, then you can "borrow" the money from yourself and not from the bank. It can save you a lot of money.

Godt pointe. Vi tror på, at du vil elske det som MoneyCapp og  kuvertsystemet gør for din personlige økonomi. Måske nok til at blive en del af vores MoneyCapp Plus program. For et lille månedligt gebyr får du adgang til flere smarte features, som kan sætte dit forbrug i system og spare dig endnu flere penge. Du kan fx. oprette dine egne helt personlige kuverter. Måske vil du gerne have en kuvert kun til biludgifter ? Eller måske en kuvert til penge I bruger i en sammenbragt familie? Måske vil du holde ekstra godt øje med, hvor meget du bruger hver måned på pizza eller onlinespil. Og så har du sikkert også lyst til at lave flere kuverter med drømmemål. Alt det og mere kan du få som moneyCapp Plus medlem.

If you choose to continue in the free version of the app, you may encounter one of our partners. We will never spam you with annoying pop-ups. But you can see a sponsor discreetly next to a category, e.g. an insurance company can sponsor the Household category and a travel agency can sponsor the Leisure category. But you can be sure that we never make money by sharing your data with any third party.

Vi har naturligvis alle brug for penge til at leve hver måned. Vi anbefaler, at du prioriterer dine månedlige udgifter i kuverten Faste udgifter. Prøv at begrænse Fun Money så meget som muligt.

Keeping a healthy budget is a bit the opposite of going on a diet. If you want real results, you need to spend less than you get in so you can quietly build your finances. When you have more money than you need for fixed expenses each month, you can start adding more money to the Fun Money envelope. If you have debts that you would like to get rid of, why not create a dream destination and set money aside each month? So yes, MoneyCapp is for you, even when your finances are low.

Fantastic! Well done. We hope to have that one day too. But maybe you want to know more about how you spend your money? Maybe you want to limit your spending on gasoline because you care about the planet? Maybe you want to cut down on cigarettes because you like yourself? Or maybe you want to spend less money (and less time) on online games because you like your boyfriend? MoneyCapp gives you more control, and if you have more money than you can spend, why not set a monthly dream goal and donate the money to charity?

The unique envelope system and the complete overview that you can access can do wonders for your personal finances. We do not expect you to keep the secret. We all have a friend who can never afford to go out and eat at the end of the month. Tell your friends that they need to download MoneyCapp, and remind them to put money aside in the envelope for Fun Money and thus restaurant visits.

Nu er der snart en ny, spændende app i byen! Skriv dig på vores liste, og bliv blandt de første, der får styr på pengene.

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