Frollo vs Billroo: what do you get for free, and what does $9.99 buy?

Frollo and Billroo are both Australian, both CDR-based, and both avoid screen-scraping by default. That makes this a rare comparison where the bank connections are similar and the products differ.

The real question is whether Billroo's extras are worth A$9.99 a month to you. Those extras are AI insights, tax highlighting, couples access and a web app, and Frollo gives you the basics for nothing.

Our disclosure first: we build Kleev, a paid money app that competes with both. Everything below was checked against primary sources in July 2026.

What is Frollo?

Frollo is an open-banking company that also publishes a consumer app. Its enterprise business supplies CDR infrastructure and data enrichment to banks and lenders, and its broker platform feeds mortgage applications.

Frollo for You, the free consumer app, gives the public the same connections: automatic feeds from Australian banks where CDR is available, auto-categorisation, budgets, savings goals, bill tracking and net worth, with no ads, no subscriptions and no in-app purchases.

Over 145,000 Australians use it by the company's count. It suits anyone whose bar is "free, automatic and trustworthy".

What is Billroo?

Billroo was created by Australian finance creator Queenie Tan and her partner Pablo, bootstrapped from about A$30,000. Its web app went live in late 2024 and its mobile apps arrived in October 2025.

Billroo offers CDR feeds via Fiskil, custom budget cycles and categories, net worth, goals, partner sharing on its Plus tier, tax-deduction highlighting, and AI-powered insights metered by monthly credits.

Pricing is Pro at A$9.99 a month or A$98.99 a year, and Plus at A$14.99 or A$149.99 for two users, after a 14-day trial. It suits budgeters who want a friendlier, AI-assisted product and are happy to pay for it.

What exactly does Billroo's subscription add over Frollo?

Billroo adds five concrete things. The first is AI: personalised spending insights and smart reports, metered at 30 credits a month on Pro and 50 on Plus, with top-up packs from A$12. Frollo's app mentions AI-driven personalisation and insight alerts but sells no AI features.

The second is tax. Billroo highlights possibly deductible expenses through the year, which Frollo doesn't attempt.

The third is where you can use it. Billroo ships a real web app, and Frollo is phones only.

The fourth is manual entry. Billroo accepts CSV uploads and manual transactions for accounts its feeds can't reach, and we found no CSV path in Frollo.

The fifth is couples. Billroo's Plus covers two users, while Frollo's sharing option is a broker PDF.

If two or three of those matter to you, the subscription starts paying for itself. If none do, Frollo's answer of "free" is hard to argue with.

How do their feeds and privacy setups compare?

Both are consent-based and credential-free by default, which already puts this pairing ahead of most of the market.

Frollo has the stronger credentials. It holds unrestricted accredited-data-recipient status itself, states CDR data is stored in Australia, re-notifies consents every 90 days, and deletes shared data within 24 hours of withdrawal. The caveat is its optional Yodlee fallback, which is credential-based and can transfer data to the US.

Billroo uses Fiskil's accreditation rather than its own and covers Australian banks only. It is transparent about its processors: Anthropic for AI (processed and stored in the United States), Google Cloud for hosting, with deletion from live systems within 30 days and backups within 90.

Both are defensible. Frollo's rests on its own accreditation, and Billroo's is the more plainly itemised.

Which product has more of a future for consumers?

This question cuts both ways. Frollo's consumer app is maintained, with both platforms updated in mid-July 2026, though the company's public attention, its blog, media releases and product launches, is entirely about brokers and business clients. The app's Android rating sat near 2.9 stars.

Billroo works the other way round. Consumers are the whole business, the founders' livelihood depends on the app improving, and its iOS rating of 4.7 suggests early users are happy.

Billroo is also a small bootstrapped team, its user base was reported in the thousands in mid-2025, and features like automatic subscription detection weren't in evidence when we looked.

Frollo offers stable infrastructure and Billroo offers focus on consumers. Neither answer is wrong.

The verdict, by user type

• Wanting the basics free and automatic: Frollo. Feeds, budgets, bills and goals, no strings attached.
• Wanting AI insights and reports: Billroo. Frollo sells nothing of the kind.
• Chasing deductions through the year: Billroo. Its tax highlighting has no Frollo equivalent.
• Sharing money with a partner: Billroo. Plus covers two users; Frollo has no couples feature.
• Holding accounts a CDR feed can't reach: Billroo, thanks to CSV upload. Frollo has no manual import we could find.
• Strictest possible data posture: Frollo. Own accreditation, onshore CDR storage, 24-hour deletion.

And if neither quite fits

We publish this on kleev.ai and we build Kleev, so here's the single self-interested paragraph, clearly labelled. Kleev takes Billroo's CSV upload further.

Kleev runs entirely on CSV uploads. There is no bank connection of any kind, and files parse in your browser.

Both these apps hold property as one manual net-worth line. Kleev is built for investment property, with loans, offsets and cashflow.

If that fits your situation, start with Kleev's spending view, the roundup against the whole field, or the head-to-heads with Frollo and Billroo.

Common questions

Is Billroo worth paying for when Frollo is free?

It can be, for the right person. Frollo covers the basics free: CDR feeds, categorisation, budgets, goals and bills. Billroo's A$9.99 a month buys AI spending insights and reports, tax-deduction highlighting, a web app, CSV upload, and a couples option at A$14.99 for two users, none of which Frollo offers. If those specifics don't apply to you, Frollo covers the rest for nothing. Prices as at July 2026.

Do Frollo and Billroo use the same bank connections?

Both use Consumer Data Right open banking, differently sourced. Frollo is itself an unrestricted accredited data recipient (its infrastructure powers banks like NAB and ubank) with an optional Yodlee fallback. Billroo connects through Fiskil, an accredited open-banking provider, covering Australian banks only, with CSV upload as the workaround for anything else.

Which app handles tax time better?

Billroo. It scans transactions and highlights possibly tax-deductible expenses, with a disclaimer to confirm with a tax agent. Frollo lists no tax features at all. Neither replaces an accountant, but Billroo at least gets you started.

Does either app have a web version?

Billroo does: iOS, Android and a web app at app.billroo.com, with transaction export handled on desktop. Frollo's consumer product is mobile-only; its web portals serve brokers and business clients.