Keepio · AI money assistant

Stop overpaying to live in Belgium.

Your AI money assistant — in English. Keepio finds the subscriptions you forgot, the BNPL debt piling up and the bills quietly draining your account, then shows you how to win back €900–2,500 a year.

Get early access — free See how it works

Read-only bank access (PSD2)Data stays in the EUFree forever plan

The quiet math of living in Belgium

€0

The real monthly subscription bill — most people guess €86.

0%

Are still paying for a subscription they completely forgot.

0%

Of Belgians have been chased by debt collectors over BNPL.

0K+

Expats handle Belgian money in a language they don't fully read.

The problem

Four ways Belgium quietly drains your account.

Most of it is invisible — small charges, silent auto-renewals and plans you never revisit. Keepio sees all of it in one place.

Stack of coins

Forgotten subscriptions

You think you spend €86/month on subscriptions. The real number is closer to €219 — streaming, apps and trials you never cancelled.

42%forgot a subscription that still charges them
Cracked bank card

BNPL debt you lost track of

Klarna, Riverty, in3 — easy to start, easy to forget. Payments spread across apps until a late fee finds you.

17%of Belgians sent to debt collectors over BNPL
Energy meter in the red

Energy & telecom overpayments

Your energy bill rose hundreds of euros last year. Your provider never mentioned the cheaper plan one click away.

€396average yearly saving from one telecom switch
Small bank building

Bank & insurance fees

KBC now charges €2–3/month for a basic account. Tiny fees, duplicated insurance, the wrong card — a quiet yearly leak.

€74+wasted each year on the wrong bank

Keepio finds all four — automatically.

How it works

Set it up once. Keepio does the rest.

Three minutes to connect. Then a clear, ranked list of money to win back.

01

Connect your bank

Link your account through PSD2 open banking — the same standard your banking app uses. Read-only: Keepio can never move money.

02

AI analyses everything

Keepio reviews 12 months of activity in seconds — spotting every leak, overlap and overpriced plan.

03

See your savings

Get a ranked to-do list of what to cancel, switch or claim — with the exact euros next to each.

See it work

Your money, finally in focus.

From messy bank statements to a plan you can act on. Here's what that actually looks like.

01

Every leak, ranked by euros

Keepio opens on one number — what you could save this month — then a to-do list sorted by impact. No charts to decode, no jargon to translate.

Sorted by money, not by date
02

Never get caught by a Klarna bill

Every buy-now-pay-later instalment in one timeline, with a reminder before each charge — and an honest read on whether you're overstretched.

A heads-up 3 days before every payment
03

Ask anything. In plain English.

Switching energy? A charge you don't recognise? Keepio answers with your actual numbers — like a money-savvy friend who happens to know Belgium.

Answers built from your real spending
Features

One app for every euro you're losing.

Each tool is built around real money — not generic budgeting advice.

Subscription Wizard

Five subscriptions for €80? Keepio swaps them for two that cover the same life.

€80 → €30 · €600 back a year

BNPL Tracker

Every Klarna and Riverty payment in one timeline, with a reminder before each charge.

Never miss an instalment again

Energy & Telecom Audit

Keepio re-checks your energy and mobile plans every quarter against the whole market.

A cheaper plan, flagged the moment it appears

Contract Explainer

Upload a lease or contract in Dutch or French. Keepio explains it in plain English and flags the traps.

NL / FR → English, in seconds

Weekly AI Report

Every Sunday, a 30-second summary of where your money went and one thing to fix.

Clarity, without the spreadsheet

AI Money Chat

Ask anything — taxes, deposits, switching providers — and get an answer that knows Belgium.

Your money questions, answered
Your numbers

See what Keepio could find for you.

Move the sliders to match your life. Watch the year add up.

Keepio could find you
€0
per year
About €18 back for every €1 you'd spend on Premium.
Get this for free
Pricing

Free to start. Premium pays for itself.

The Free plan is genuinely free, forever. Premium earns itself back with a single switch.

Free

For the full picture.

€0/forever

No card required

  • Import transactions from 9 banks
  • Automatic spending categories
  • Basic subscription overview
  • AI chat — 10 messages / month
Get early access
Most popular

Premium

For winning money back.

€4.99/month

Billed monthly

  • Everything in Free
  • Unlimited AI money chat
  • Subscription Wizard & BNPL tracker
  • Energy & telecom audit · weekly report
Get early access

Premium+

The full expat toolkit.

€7.99/month

Billed monthly

  • Everything in Premium
  • Contract Explainer · NL/FR → EN
  • Tax-on-Web deduction assistant
  • Proactive AI insights · priority AI
Get early access
Family plan — everything in Premium+ for up to 5 people, one shared dashboard, one bill. Coming soon.
Built to be trusted

A money app has to earn trust first.

Keepio connects through regulated open banking — read-only, EU-hosted, and never sold on.

GoCardlessRegulated open banking
PSD2EU payment-services law
GDPRYour data, your rights
EU-hostedStored in Frankfurt
Read-only access. Keepio reads your transactions to find savings — it can never move or touch your money.
Pseudonymised for AI. Your name and account numbers are stripped out before anything reaches the AI.
Yours to erase. Export or permanently delete all of your data, anytime — straight from the app.
FAQ

Good questions. Honest answers.

Yes. Keepio uses PSD2 open banking — the same EU-regulated standard your banking app already uses. The connection is strictly read-only: Keepio can see transactions to analyse them, but can never move or touch your money. We never see or store your bank password.

KBC, Belfius, BNP Paribas Fortis, ING and Argenta, plus Revolut, Wise, N26 and Bunq — with more added regularly. If your bank isn't connected yet, you can still import transactions by CSV or photo.

The Free plan is free forever, with no card required. Premium (€4.99/month) unlocks the tools that actively recover money — and it typically pays for itself many times over with a single energy or telecom switch.

We're validating demand right now and building toward a 2026 launch. Everyone on the early-access list gets in first — with three months of Premium free.

Yes. Keepio is built English-first, specifically for expats. It even translates your Dutch and French contracts, bills and bank statements into clear English. Nederlands and Français versions follow after launch.

On EU servers in Frankfurt, fully GDPR-compliant. Your financial data is encrypted in transit and at rest, and it is never sold or shared with advertisers.

Get early access Free · 3 months Premium at launch
Join