Finary Promo Code 2026: 1 Month Premium Free

There are two ways to pay less on Finary, and they should not be confused.

1. The referral code (HW3EPM) — 1 free month of Finary Plus. This is Finary's structural offer: enter the referral code HW3EPM (or use a referral link) at sign-up and you get 1 month of Finary Plus free once you sync 2 accounts. The referrer also earns 1 month per validated friend, with no cap. Rewards are not credited on App Store or Google Play subscriptions — subscribe on the web instead.

2. Partner discount codes (-20%). Finary partners with personal-finance media and creators who share codes giving -20% on the subscription (Lite, Plus or Pro) — for example LAMARTINGALE (the *La Martingale* podcast) or MEDIAINVESTISSEUR20. That brings Finary Plus to about €120/year instead of €149.99. These codes are entered on the checkout page (Stripe redirect), are reserved for new subscribers and work on the web only (not via the Apple or Google stores).

Beware of fake codes. Many coupon aggregators advertise "-30%" or "-50% Finary" codes that do not work: a -30% flash deal from March 2025 was limited to 24 hours and is no longer valid. The only genuinely active discounts are 1 free month (referral) and -20% (partner codes). To compare Finary with other tools, see Bankin or Waltio.

Finary offers a complete feature set. A consolidated net-worth view: all your assets on one screen, with real-time valuation and historical trends. Asset allocation: an automatic breakdown by class (cash, stocks, bonds, real estate, crypto). Net-worth projections: simulate how your wealth evolves under different scenarios (return rate, monthly contribution, horizon). Performance tracking: compare returns by asset class. Tax estimation on your gains. Alerts on significant moves. Manual import for assets that cannot be connected (unlisted real estate, employee savings).

Finary connects to most financial institutions across Europe. Banks: major retail banks and online banks such as Boursobank. Brokers: Bourse Direct, Fortuneo, Degiro. Crypto exchanges: Coinbase, Binance, Bybit, Kraken, Crypto.com. Bank connections use regulated open-banking APIs; crypto uses read-only API keys. Finary does not store your credentials — connections go through official APIs. The full connector list is on finary.com.

Finary's pricing (as of July 2026) has four tiers. Finary Free: limited to 2 connected accounts and 2 goals — fine for testing, quickly restrictive for a real portfolio. Finary Lite (€54.99/year, 3-day trial): core tracking for simple portfolios. Finary Plus (€149.99/year, or €24.99/month web-only monthly plan, 14-day trial): unlimited accounts, full history, net-worth projections, tax estimation and exports — the reference plan for multi-asset investors. Finary Pro (€349.99/year): adds business accounts and a holding mode. At €149.99/year, Plus costs 0.15% of a €100,000 portfolio — and the referral code HW3EPM gets you 1 month of Plus free before committing. Beware of older articles still quoting "€9.99/month or €79/year": those prices are no longer valid in 2026.

Finary is especially useful for crypto investors managing positions across several exchanges. Connect your Bybit, Coinbase, Kraken, Crypto.com and CoinEx portfolios in one view. Finary consolidates valuations, calculates overall performance and your crypto-vs-other-assets allocation. For tax filing, Finary helps identify crypto gains (though you will need Waltio or Koinly for precise, compliant calculations). The unified view avoids the errors of manual spreadsheet tracking.

Security is a Finary priority. The platform does not store your bank credentials — connections go through official open-banking APIs. Crypto API keys are stored read-only (Finary cannot trade on your exchanges). Access is protected by password + 2FA. Data is GDPR-compliant. Finary has read-only access — it can neither transfer funds nor place orders. Your only risk is unauthorised access to your Finary account, which is why 2FA matters.

One of Finary Plus's most useful features is the net-worth projection simulator. Enter your assumptions (average annual return, monthly contribution, horizon) and Finary models how your wealth evolves — answering questions like "When will I reach €500,000?" or "What passive income can I generate at 60?" Finary also analyses your asset allocation versus your target, breaking wealth into classes (stocks with geographic breakdown, bonds, real estate, crypto, cash). This quickly flags imbalances — if crypto is 40% of your wealth when your target is 20%, a rebalance is due. Finary offers benchmarks to compare with model portfolios (conservative, balanced, aggressive).

Finary is the aggregator best suited to active multi-asset investors. Budgeting-focused apps are stronger on daily expense tracking; Finary is optimised for investment tracking (stocks, crypto, real estate), advanced projections and a modern interface. For investors with brokerage + crypto + real estate, Finary is the most suitable.

Our verdict: Finary is the essential tool for the active investor wanting a consolidated wealth view. Strengths: complete multi-asset aggregation, many connectors, net-worth projections, automatic allocation, 850,000+ users, a profitable company backed by PayPal Ventures — and a referral program worth 1 free month of Finary Plus (referrers earn 1 month per validated friend too). Weaknesses: a free tier capped at 2 accounts, a €149.99/year Plus subscription, some institutions not connected, read-only (no direct action). Essential for anyone managing 3+ asset classes, alongside specialised tools like Waltio for crypto tax.