The expensive part of a finance app is connecting to banks: an intermediary is paid for every account. fik doesn't connect, so it doesn't carry that cost.
Your data isn't the price
No ads, no profiling for third parties and your movements are never sold. Free here means free, not “paid for some other way”.
If anything changes, we say so first
If some part ever has a real cost (storing a lot of receipts, say), it's announced before it happens, with the option to take your data with you. Nothing turns paid overnight.
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