Frollo is one of Australia's Open Banking pioneers. It's a free budgeting and money-coaching app, and unusually for this comparison, it runs on the same Consumer Data Right rails we do. Frollo is an accredited data recipient itself, so there's no security story here: neither of us screen-scrapes, and neither asks for your internet-banking password.1
So this comes down to a single question: where does your data go?
A closed app, or an open pipe
Frollo brings your bank data into the Frollo app, where you budget, set goals, and get coaching. It's a polished, free experience, but your financial data lives inside Frollo, on Frollo's terms.
Redbark takes the same CDR data and does the opposite. It pushes your transactions out to the tools you already use, like YNAB, Google Sheets, and Notion, or into your own systems via webhooks and a REST API. We don't ask you to learn a new app or move your budget into ours, because we don't have one. We're the layer that gets your data where you want it, in real time, storing nothing.
Real-time and developer-ready
Because we're event-driven, new transactions reach your destinations within seconds of being finalised, rather than waiting on a scheduled refresh. And for anyone who wants to build on top of their data, Redbark offers a full REST API, signed webhooks, and an MCP server for AI assistants, surfaces a consumer budgeting app doesn't expose.
Frollo vs Redbark: at a glance
| Redbark | Frollo | |
|---|---|---|
| Australian bank access | Open Banking (CDR) via Fiskil | Open Banking (CDR), the same |
| Where your data goes | YNAB, Google Sheets, Notion, webhooks | Stays inside Frollo's app |
| When data arrives | Real-time, within seconds of each transaction | On a scheduled refresh |
| In-app budgeting & coaching | Build your own in your tools | Built in |
| Developer tools | REST API, signed webhooks, MCP server | None for end users |
| Pricing | From $12/mo | Free |
Where Frollo suits you better
Frollo is the better choice if:
- You want a free app and don't need your data outside it.
- You want in-app budgeting, goals, and coaching in one polished mobile experience.
- A guided, all-in-one app is exactly what you're after.
If you'd rather your Open Banking data flowed into the tools you already use, in real time, with room to build on top of it, that's Redbark.
Your bank data, in the tools you actually use
Connect your Australian bank through Open Banking and sync transactions to YNAB, Google Sheets, and Notion — in real time, with nothing stored.
7 days free. No credit card required.
References
1. Frollo operates as an accredited data recipient under the Consumer Data Right. See Frollo: Open Banking / CDR and the CDR Provider register. Redbark connects via Fiskil, see Fiskil Becomes an Accredited Data Recipient.