Goin is the free app that helps you manage your money smartly through Artificial Intelligence (AI). No matter what you need (making it through the month, buying a bike, going on vacation, or investing idle money, etc.), Goin can hook you up. Don't believe me? Get the app, chat with our GAIA (our kickass AI), and put us to the test 🙃

Know GAIA yet? Our AI to make the most of your money

You securely hook up your bank/card, and we take care of the rest. We'll let you know if you're splurging too much on ""eating out"" or if there's a better internet plan for you. We'll even help you breeze through tax season. And guess what? You can shop anywhere and make money while you're at it (yeah, you heard me right, earn cash while shopping).

Buy smarter: buy and earn money (cashbacks, gift cards...)

Thanks to GAIA, our AI sidekick, you can squeeze more out of your shopping. Every purchase you make from Aliexpress, Ikea, HBO Max, Nike, Vans and 800+ other brands puts money in your pocket. Connect your bank account, shop at any brand we have, and we'll give you a cut of your purchase.
And as your trusty friend, we'll recommend brands based on your purchases. You don't have to know that there's a brand offering the same thing you're buying but cheaper. That's where we come in 🙃

Grow your money: get what you want without worrying about ""saving""

Whether it's buying a bike, paying for a master's degree, or jetting off to Cancun, Goin makes it a whole lot easier. You set the goal, and we'll help you save without the hassle. Automatic transfers to another account or dropping spare change into a piggy bank are nice, but then you have to retrieve that money, deposit it in the bank, hope it gets accepted... that's ancient history. Save effortlessly by rounding up your purchases (we'll stash away the ""change"" from each purchase so you can relax). Or you can even program a percentage to be saved in Goin each month and keep it safe from spending.
And whenever you reach your goal... BAM! We'll help you buy it directly. No more moving money around 200 times just to get what you've been saving for.

Smart investing: Guiding you based on your financial capacity and knowledge

If you want to ""move"" your money but don't know where to start, ask GAIA. We'll give you some options based on your financial capacity (income, expenses, etc.) and your risk appetite. We're not financial advisors, but as good friends, we'll recommend what we would do. Then it's up to you to choose what suits you best.

Bonus track: using Goin is smart. Using GoinPRO is REALLY smart

If you want to earn more cashback on every purchase, save in a more flexible and speedy way, or withdraw your money whenever and however you want... you can do that too. It's called Goin Pro, and here's the best part... it's only 1.33€/month.