The Story of BlueBudget

Every smart financial decision starts with a budget. In Switzerland, there is a lack of an automated tool to create a personal budget and to track whether you're staying on course.

With BlueBudget, the budget is created based on real transactions and checked daily.

bLink is theSwiss open banking standard that enables banks and fintechs to connect securely, efficiently, and in a regulatory-compliant manner. For BlueBudget, it was crucial that bLink is operated as infrastructure by SIX, that data remains exclusively in Switzerland, and that the process meets the highest security requirements. The integration of bLink enabled us to implement multibanking functionality in a short time ‒ without having to develop our own API connections with each individual bank. In addition, we benefit from the central consent flow, which ensures a consistent user experience across all banks. For us, bLink is the key to making open banking widely usable in Switzerland ‒ both for end users and for banks, which can thereby enable new digital engagement models.

We are building Switzerland's most awesome budgeting application, which you can connect to almost any bank and that actively helps you save money. BlueBudget is a Swiss fintech solution that helps people effortlessly understand, plan, and optimize their finances. The application connects to most Swiss banks via bLink and presents users with their entire financial picture at a glance ‒ from account balances to monthly spending. Thanks to intelligent analytics, BlueBudget identifies savings opportunities, helps create budgets, and provides concrete recommendations for better financial health. The goal is to make financial well-being accessible to everyone ‒ securely, in compliance with data protection regulations, and hosted entirely in Switzerland.