Backed by InQUBE Entrepreneurship Incubator, University of Wroclaw
Top Fintech in Poland 2025
Top Fintech in Poland 2025
An AI Financial Assistant for
SMEs & Personal Finance
Smarter, faster, and more objective than any human financial advisor. AI analyzes your financial data and provides clear, instant recommendations — no commissions, no bias, no delays.
Take control of your money with Amibudget — your AI-powered financial assistant.
Track spending, set savings goals, and get instant insights into your daily budget.
Track spending, set savings goals, and get instant insights into your daily budget.
Download the App
Today you can:
• Log expenses in just a few taps
• See clear charts by category
• Build simple budgets and stick to them
• Log expenses in just a few taps
• See clear charts by category
• Build simple budgets and stick to them
Tomorrow we’re building even more:
*Open Banking integration — connect your bank accounts for real-time cash flow analysis
* AI Finance Coach — get one smart recommendation tailored to your goals, not a long list of options
*Open Banking integration — connect your bank accounts for real-time cash flow analysis
* AI Finance Coach — get one smart recommendation tailored to your goals, not a long list of options
For Personal Finance
Problem:
Chaotic spending, inability to save or plan due to "Buy Now, Pay Later" behavior and impulsive charges.
Solution:
An AI-powered assistant that builds a personalized strategy and helps reduce spending.
Value:
Up to -30% in personal expenses within the first month
Financial advising is outdated. Amibudget is its replacement.
For SMEs
Problem:
Small and medium businesses struggle to find suitable financing. Human advisors are slow and often biased by commissions.
Solution:
AI analyzes company financials and market offers to instantly recommend the best-fit financial product.
Value:
50x faster
100% unbiased
A single best recommendation, not 3 vague options
100% GDPR compliant
How Amibudget Works
Your AI Financial Advisor in 3 Simple Steps
2
AmiBudget analyzes your spending or financials
1
Upload your bank accounts or accounting systems data
3
You receive a clear plan or the best financing option - instantly
Bank-level security
Why we are better
Complete
Partial
Data-driven personalization
1 best fit
2-3 suggestions
Number of options
7 seconds
Yes
Never
Often
Hidden bank commissions
Yes
No
Unbiased recommendations
7 seconds
7–10 days
Time to deliver advice
Feature
Human Advisor
Built by a team of experts
About the project
Launched January 2025
Backed by InQUBE University of Wrocław Entrepreneurship Icubator
Featured among Poland’s top fintech startups
Endorsed by economics & business professors
Listed on the official Map of Polish Fintech 2025
About the team
Experts in tech, AI & product development
Proven experience in launching and scaling tech startups
We know AI, data, and business
For Investors
We are looking for Smart Money
Investment highlights:
Fintech + AI + B2B/B2C
High-growth market
Why now:
Rising demand for unbiased financial automation
Market shift from people to algorithms
We already have traction, team and academic trust
Amibudget is a mobile app powered by AI that helps you manage personal and business finances. It tracks expenses, forecasts cash flow, and gives you one clear action to improve your budget.
Most banking apps only show your balance. Amibudget connects to multiple sources — bank accounts, crypto wallets, and fintech apps like Revolut, PayPal, or Wise — to give you a unified view of your cash flow.
• Gen Z and millennials living paycheck-to-paycheck.
• Small and medium-sized businesses that need a simple financial tool.
• Freelancers and entrepreneurs who want to forecast income and expenses.
• Small and medium-sized businesses that need a simple financial tool.
• Freelancers and entrepreneurs who want to forecast income and expenses.
1. Connects to your bank via Open Banking (PSD2).
2. Uses AI/LLMs to analyze your financial data.
3. Sends risk alerts and personalized suggestions.
4. Provides guidance in a simple chat interface.
2. Uses AI/LLMs to analyze your financial data.
3. Sends risk alerts and personalized suggestions.
4. Provides guidance in a simple chat interface.
• Expense and income tracking.
• Smart budgeting by categories.
• AI-powered financial tips.
• Real-time data from bank accounts.
• Risk alerts and notifications.
• Smart budgeting by categories.
• AI-powered financial tips.
• Real-time data from bank accounts.
• Risk alerts and notifications.
Amibudget is available on Google Play and App Store.
Right now, we already have users in:
• 🇵🇱 Poland
• 🇺🇸 USA
• 🇨🇦 Canada
• 🇪🇸 Spain
More countries will be added soon.
Right now, we already have users in:
• 🇵🇱 Poland
• 🇺🇸 USA
• 🇨🇦 Canada
• 🇪🇸 Spain
More countries will be added soon.
Yes ✅. Amibudget is fully GDPR and PSD2 compliant, uses encrypted data storage, and only connects through official, certified APIs.
The basic version is free. A premium subscription with advanced features (cash flow forecasting, white-label SDK for banks, business modules) will be introduced soon.
• Premium launch in Q4 2025.
• SDK rollout for banks & fintech partners in 2026.
• More integrations with crypto and financial services.
• SDK rollout for banks & fintech partners in 2026.
• More integrations with crypto and financial services.
