MOU Finance

MOU Finance s.r.o. runs MOU, a web service that connects a user's bank accounts through GoCardless under PSD2 and categorises transactions into a monthly overview. According to the site, the service only reads balances and transactions and cannot move money.

Customers are individuals who buy a one-off audit from 399 CZK, or a plan covering 3, 6 or 12 months of transaction data at 599 CZK or 999 CZK. The audit uses a 50–30–20 split of essential, discretionary and future spending and recommends a reserve based on the user's situation. The site lists paid one-off purchases, with no subscription.

The company was founded in 2025 with its headquarters in Prague, according to the registry. The website names founder Marek Švábeník and lists supported banks including Česká spořitelna, Fio banka, Revolut and mBank. The website does not mention funding, offices abroad or open hiring.

Product: One-off paid personal finance audit that aggregates bank accounts via PSD2 (GoCardless), categorises transactions by a 50-30-20 rule and shows monthly baseline, reserve and savings tips.