Spiir is a personal finance brand offering a free app designed to help people understand and manage their money. The service brings multiple bank accounts together in one place, then automatically analyses and categorises transactions to provide a clear overview of finances. Users can explore spending patterns, review monthly expenses and gain insights into their habits, including their top spending categories. Spiir also offers savings challenges that encourage users to reduce spending in areas such as groceries and shopping, with the option to take on existing challenges or create their own.

Spiir says it does not sell users’ data and operates as a licensed Account Information Service Provider under the supervision of the Danish Financial Services Authority. It uses Mastercard Open Banking Services to connect accounts securely, with encrypted connections and no access to users’ bank login details. Spiir also provides technology to companies developing digital financial solutions. The service is scheduled to shut down on June 8, 2026.