The Kubera alternative built for Europe
Your whole balance sheet, kept in Europe., from the banks you actually use.
2,700+ banks across 29 countries, DeGiro, Bitvavo and Coinbase in one net worth, encrypted with your own key in Frankfurt. From €8 a month.Kubera is built for global, largely American wealth and stores its data in the United States. Gylder is built for Europeans: live PSD2 connections to 2,700+ banks across 29 countries, DeGiro, Bitvavo and Coinbase, a mortgage modelled loan part by loan part, and every balance encrypted in Frankfurt. At a flat price from €8 a month.
- PSD2 livePSD2 live · 2,700+ banks
- Stored in FrankfurtStored in Frankfurt
- Your own encryption keyEncrypted before storage, key unique to you
- No ads, no data salesNo ads, no data sales
- PSD2 live for 2,700+ banks in 29 countries
- Data stays in the EU
Why Gylder
Four reasons Gylder is the better fit for Europeans.
Kubera is built for wealth spread across the world. Gylder is built for the way Europeans bank, invest, own a home and protect their data. Here is what that means in practice.
- Why Gylder
Connects to 2,700+ banks across 29 countries.
Gylder’s PSD2 connections reach 2,700+ banks across 29 countries, and DeGiro, Bitvavo and Coinbase connect too. Kubera’s 20,000 institutions are spread across the world, and its own help centre says European connections often bring in only the current account.
- Why Gylder
Your data stays in Europe, encrypted with your own key.
Gylder encrypts every balance before it is stored, with a key unique to you, and keeps everything in Frankfurt. A copy of the database alone reveals nothing. Kubera’s privacy policy says its data is stored in the United States and that its database administrators have access to the encryption keys.
- Why Gylder
Your European home stays at today’s value.
Gylder revalues property and precious metals for you, so your net worth moves with the market. Kubera’s automatic home values come from Zillow and cover US addresses, so a European home is a number you keep up to date yourself.
- Why Gylder
A flat price, in euros, and a far lower one.
Gylder Basic is €8 a month and Pro €15 a month or €150 a year, billed in euros, with 14 days of Pro free. Kubera Essentials is $249 a year and Kubera Black $2,499 a year, billed in US dollars.
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Privacy, the European way
Your financial data stays in Europe, encrypted before it is stored.Your financial data stays in Europe, and is encrypted before it is stored.
Gylder was built for European rules from the first line of code. A copy of our database, on its own, reveals nothing.
- GDPR compliant
- EU data centres
- PSD2 regulated
- AES-256-GCM
Encrypted before it is stored
Every balance is encrypted with AES-256-GCM using a key unique to you. A copy of our database alone reveals nothing.
Read-only by nature
Connections can only ever read. Gylder never trades, transfers or touches your funds.
Kept in the EU, two-factor sign-in
All data lives in Frankfurt, Germany, GDPR-compliant by design, and every login uses two-factor authentication.
Yours to take and to delete
Export everything in one click. Delete your account and the key your data was encrypted with is destroyed with it; encrypted backups age out within seven days.
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Gylder vs Kubera on privacy
Where your balance sheet lives, and who can read it.
A net worth tracker holds the most complete picture of your finances that exists anywhere: every account, every holding, your home and your debts, in one place. Where that picture is stored, and who can open it, matters more than any feature.
Gylder keeps it in the EU and encrypts every balance before it is stored, with a key that belongs to your account alone. Kubera, a US company, stores its users’ data in the United States and, by its own privacy policy, gives its database administrators access to the encryption keys.
| Privacy point | Gylder | Kubera |
|---|---|---|
| Where your financial data is stored | Frankfurt, Germany, inside the EU | The United States |
| Leaving the EU | Your financial data stays in the EU | Transferred out of the EU under Standard Contractual Clauses |
| The company behind it | A European company, based in the Netherlands | A US company |
| Bank connections run through | Enable Banking, based in Finland, which keeps no copy of your data | Several aggregators, including US-based Plaid, Yodlee and MX |
| Encryption | Every balance encrypted with AES-256-GCM before it is stored | No end-to-end encryption, per its privacy policy |
| Who holds the keys | A key unique to your account; a copy of the database alone reveals nothing | Database administrators have access to the encryption keys, per its privacy policy |
Only in Gylder
Your mortgage is not one number.
Most Dutch mortgages have several loan parts. Gylder models each one as it really is, annuity, linear or interest-only, with its own rate, schedule and extra repayments. The debt on your balance sheet is the debt you actually have. In Kubera, a European mortgage is a single balance you keep up to date yourself.
Start 14 days of Pro, freeGylder vs KuberaGylder vs Kubera, feature by feature
Point by point, for a European household.
Tap a topic to compare.Pick a topic to compare.
| Getting your numbers in | Gylder | Kubera |
|---|---|---|
| European bank accounts over open banking (PSD2) | Yes:Live: 2,700+ banks in 29 countries | Partly:Often the current account only, per their help centre |
| Broker and exchange holdings arrive without typing | Yes:DeGiro, Bitvavo, Coinbase | Yes:Yes |
| Prices refresh on their own | Yes:Yes | Yes:Yes |
| A European home kept at today’s value | Yes:Revalued for you | No:Manual: automatic values are US only |
| Precious metals revalued | Yes:Yes | Yes:Yes |
| Any other asset, DeFi included | Yes:Yes, and integrations added on request | Yes:Yes |
| What it keeps track of | Gylder | Kubera |
|---|---|---|
| A mortgage modelled as separate loan parts | Yes:Annuity, linear, interest-only | No:Not on their site |
| Holdings in other currencies | Yes:Yes, converted to euros | Yes:Yes |
| Transactions sorted into spending categories | Yes:Yes | No:Not part of the product |
| A daily net worth history | Yes:Yes | Yes:Yes |
| What it works out for you | Gylder | Kubera |
|---|---|---|
| Annualised return on money you put in (XIRR) | Yes:Yes | Yes:Yes (IRR) |
| Cost basis that survives a transfer between brokers | Yes:Yes | Partly:Partly |
| Dividends received and yield on cost | Yes:Received and yield on cost, with the coming year projected from the last twelve months | No:Not on their site |
| Portfolio against a market index | Yes:Yes | Yes:Yes |
| Privacy and security | Gylder | Kubera |
|---|---|---|
| Where your data is stored | Yes:Frankfurt, Germany | No:United States, per their privacy policy |
| A copy of the database reveals nothing | Yes:Yes: AES-256-GCM, a key unique to you | No:Database admins can access the encryption keys, per their privacy policy |
| Read-only connections | Yes:Yes | Yes:Yes |
| No copy of your bank data at the connection provider | Yes:Yes | Not stated:Their site does not say |
| Encryption key destroyed when you delete your account | Yes:Yes; backups age out within seven days | Not stated:Their site does not say |
| Price | Gylder | Kubera |
|---|---|---|
| Price | Yes:Flat: €8 or €15 a month; Pro €150 a year | Not stated:Flat: $249 a year; $2,499 for Black |
| Billed in | Yes:Euros | Not stated:US dollars |
| Free trial | Yes:14 days of Pro | Yes:14 days |
| Export everything | Yes:One click | Yes:Yes |
| Holdings and entities | Gylder | Kubera |
|---|---|---|
| Trusts, holdings and other entities | Yes:Add them today; fuller support on request | Not stated:Nested entities only on Kubera Black, $2,499 a year |
Live in Europe? Gylder is the better choice.If you live in Europe, Gylder is the better choice.
- your money is at European banks, DeGiro, Bitvavo or Coinbase
- you have a mortgage with more than one loan part
- you want your financial data kept in the EU and encrypted with your own key
- you want returns, dividends and spending in one place
- you would rather pay a lower flat price, in euros
QuestionsQuestions people ask before switching
Partly. Kubera uses several data aggregators, but its help centre notes that European connections often include only the current account, so savings, investment and loan accounts need manual entry. Gylder connects over PSD2 to 2,700+ banks across 29 countries.
Yes. PSD2 connections reach 2,700+ banks across 29 countries. DeGiro comes in with its full history, and Bitvavo and Coinbase connect with a read-only API key.
In Frankfurt, Germany. Every balance is encrypted with AES-256-GCM before it is stored, using a key unique to you, so a copy of the database alone reveals nothing. Our PSD2 connection provider keeps no copy of your bank data, and every login uses two-factor authentication.
Both have a flat price. Gylder Basic is €8 a month and Pro €15 a month or €150 a year, billed in euros. Kubera Essentials is $249 a year and Kubera Black $2,499 a year, billed in US dollars.
Yes. Gylder converts everything you hold in other currencies into euros, so your net worth is always one figure.
Add it by hand, from DeFi positions to private stakes. Want it tracked automatically? Request it: the Gylder team adds the integrations members ask for.
Yes. You can add entities and holding structures today, and fuller support is built as members ask for it.
Try it against your own numbers.
Connect your bank, import DeGiro or link an exchange. You will know the same evening.Connect your bank, import DeGiro or link an exchange with a read-only key. Within an evening you will know whether the picture is worth keeping.