A Copilot Money alternative outside the US

The short answer

Copilot Money is built for US accounts. It connects to US financial institutions only, it is listed in the US App Store only, and it records everything in US dollars: a foreign charge shows the dollar amount its data provider sent, and Copilot does no conversion of its own.

If you moved abroad, or your money sits in banks outside the US, Pulget works from the statements and exports those banks already give you. It does not connect to any bank, so where the bank is does not matter, and it keeps each account in its own currency.

What Copilot supports

From Copilot's help center:

• It supports US financial institutions only and is available in the US App Store only.
• It supports USD only and does not convert foreign currency transactions. You can edit an amount by hand to the converted value.
• It says it is not able to import transactions from CSV or XLS files. Manual accounts exist, and historic balance data cannot be imported into them.

Last checked on 25 September 2026 against Copilot's help articles on international currency, manual accounts and account limitations.

How Pulget covers accounts outside the US

1. Download a statement or transaction export from each bank or card: PDF, CSV, XLS or XLSX. Scanned PDFs are read with OCR.
2. Upload it and choose the account it belongs to. Each account has its own currency.
3. Check the extracted rows in the import's review step, then approve them. A row the account already holds is skipped rather than added again, and possible duplicates across files appear afterwards under Duplicates in the Review inbox, to merge or keep.

Every transaction keeps its original amount and currency. For reports, Pulget converts it into one reporting currency at the exchange rate for the transaction's date, and you can set your own rate when your bank charged a different one. The multi-currency guide explains the conversion. If you moved abroad, multi-currency expense tracking for expats sets up a local bank, Revolut and Wise side by side.

Charges that repeat in your history are suggested as recurring, and you confirm which ones are real. Merchant cleanup matches raw card descriptions against 887 known brands and assigns a category you can check.

Copilot and Pulget side by side

Where Copilot is the better choice

• Your accounts are at US banks and you want new transactions to arrive on their own. Pulget knows only what you have uploaded and shows no live balances.
• You want native iPhone and Mac apps. Pulget works in a web browser and has no mobile app.
• You track investment accounts in the same app. Pulget does not track investments yet.

YNAB, unlike Copilot, imports CSV and OFX files; how YNAB handles banks it does not support compares it with Pulget.

Bring your Copilot history

Copilot exports transactions as a CSV file:

1. On iPhone, open Settings, go to Account and tap Export your transactions. Copilot opens a CSV of all transactions; save it with the share button.
2. On the web, iPad or Mac you can export a filtered set from the Transactions tab instead. The file has an account column; Pulget files each upload under one account you choose, so split a file that mixes accounts before uploading it.
3. In Pulget, create the account in US dollars, since Copilot's amounts are in USD, and upload the file. The Standard plan reads up to 1,500 rows per file; the pricing page lists every limit.
4. Check the dates, amounts and signs in review, then approve.

Last checked on 25 September 2026 against Copilot's help article on exporting your transaction data, updated 6 March 2026.

Start with one statement

Pick the account Copilot could not reach and upload one month of it. The review shows what Pulget read before anything reaches your ledger, and help answers what Pulget does and does not connect to.