Kasandro vs Martia: 2026 comparison (price, couples, map, EU AI)

Key facts

Kasandro and Martia read Polish banks through the same channel (Enable Banking, PSD2, read-only), and both offer a chat with memory and MCP. They differ in four ways: Kasandro answers out loud in two voiced personas, joins a couple's accounts under two separate consents and matches transfers between partners, draws spending on a real map and across years, and imports wealth from files. Martia has a longer list of finished features today and one plan for everything. Prices and dated sources are below.

• Martia: 39.99 zł a month or 256.99 zł a year, first month 4.99 zł, up to 4 people on the owner's account (martia.pl/api/pricing, 10 Oct 2026).
• Kasandro: 4.99 zł per connected account per month (1.19 EUR on EUR markets), a year for the price of 10 months, AI prepaid (5 zł to start).
• Martia has kept a public changelog since February 2026, updated several times a week, and publishes a subprocessor page.
• Kasandro processes questions, the letter and voice with vendors on EU endpoints, listed with their region on the Subprocessors page.

What Martia does well

Martia (Martia Labs sp. z o.o., Sopot) has working PSD2 sync, a Polish merchant parser, a review queue for own transfers, subscription detection, a Sankey, loans and property with a valuation based on NBP (National Bank of Poland) data, IKE, IKZE and PPK (Polish tax-advantaged retirement accounts) as typed values with limits, a retirement forecast with stated assumptions, a Polish chat with memory and dictation, MCP for Claude and ChatGPT, one account for up to 4 people, a weekly e-mail, 8 languages and a public subprocessor page. The changelog shows 9 to 15 entries a month since March 2026 (martia.pl/co-nowego, 9 Oct 2026). It is a serious product and we say so.

Martia's pricing (as of 10 October 2026)

39.99 zł a month or 256.99 zł a year (21.42 zł a month), first month 4.99 zł. Source: martia.pl/api/pricing. Martia's public pages show no prices; they appear in the checkout and in this API endpoint. One plan covers everything, including unlimited chat.

Where Kasandro is different

A voice with a persona

"You now" answers calmly and precisely about the numbers; "You in 30 years" writes and speaks back from 2056, with humour and with the arithmetic that shows what a habit adds up to. Both voices are generated by ElevenLabs, and the letter from 2056 can be read in your own aged voice (recorded consent, synthetic-voice label). Martia: text chat with dictation, one written persona (changelog, 9 Oct 2026).

Couples: two consents, one view

Each of you connects your own banks and gives your own consent inside your own bank. A transfer between your accounts is matched on both sides and marked as an own transfer: not income, not spending, for either of you. A business account can stay private to its owner and still count in the household total. "Who paid" is a filter on one list. One bill for the household: the owner pays 4.99 zł for every connected account of every member. Martia: up to 4 logins on the owner's account and a choice of which accounts the other person sees, without transfer matching across partners (changelog, August and October 2026).

A map and habits over years

Card payments and ATM withdrawals carry a place and a time. Kasandro draws them on a real map (real streets, a heat layer, a ranked list of places with amount, visits and share), on a weekday-by-hour grid and as a year-on-year comparison: "in 2022 you went to the shops 31 times a month; in 2026 it is 52". Three "where the money leaks" observations open the home screen. Martia compares month to month, without geography.

Wealth with imports

XTB (xStation export), Polish treasury bonds (file), PPK (statement), crypto exchanges (read-only key), property and loans. Net worth with "from / until" dates, contributions separated from returns, IKE, IKZE and PPK limits set per market. Martia: typed values with limits (changelog, July 2026).

Where AI is processed

According to Martia's own subprocessor list (as of 24 September 2026), chat replies in Martia are generated by Z.ai's GLM model, and Martia lists the processing location as "China and Singapore". Z.ai is the international brand of Beijing-based Zhipu AI. For part of the conversations Martia names Anthropic (US). Source: martia.pl/podmioty-przetwarzajace, version of 24 September 2026, checked 9 October 2026. Kasandro processes questions, the letter and voice with vendors on EU endpoints, listed with their region on the Subprocessors page. Martia may change vendors; we re-check its page monthly.

Price per account, not per plan

One account is 4.99 zł a month, 3 accounts are 14.97 zł, and a year costs the same as 10 months. AI conversation in the app is prepaid: the meter is always visible, you get 5 zł to start, and at zero the assistant finishes the sentence and offers a top-up. The letter from 2056, the weekly observation and MCP are in the price. Work out the total for your accounts with the slider on the pricing page. How we count visits, refunds and own transfers: Honest counting.

Kasandro vs Martia: comparison table

Which one is for you

Martia is for you if

• you want the most finished features in one plan today,
• you want unlimited chat with the assistant and prefer text,
• you type your IKE, IKZE and PPK values by hand and that is enough,
• where the chat is processed is not a criterion for you.

Kasandro is for you if

• you and your partner have several accounts and each wants their own consent,
• you want a map, hours and habits across years, not only month to month,
• you import XTB, bonds and PPK instead of retyping,
• you want to hear the answers out loud, including in your own voice from 2056,
• you want AI processed in the EU and to pay per account, not per plan.

FAQ

Is Martia more expensive than Kasandro?

It depends on the number of accounts. Martia: 39.99 zł a month for everything, with unlimited chat. Kasandro: 4.99 zł per account, e.g. 3 accounts = 14.97 zł, plus a prepaid balance for AI conversation if you use it. The slider on the pricing page gives the total for your accounts.

Can either of them see my bank password?

No. Both use Enable Banking (listed in the EBA register) and you log in through your own bank's app. Both read only what you consent to; neither initiates payments.

Does Martia hide where it processes AI?

No. Martia states it on a dedicated subprocessor page and in its privacy policy. We quote its own words, with the version date of the page.

Can I move my data from Martia to Kasandro?

There is no import from Martia. You connect the same banks through PSD2 and get the history your bank exposes through PSD2 (usually up to 24 months) right after the first sync.

Does Kasandro have a review queue like Martia?

Yes. Before your first full picture, we ask at most three questions about transfers that could not be matched automatically ("Is this 2,800 zł transfer to PKO your own account?"). The answer becomes a rule.

When do you update this comparison?

We check Martia's pricing, changelog and subprocessor list monthly; the date of the last update is shown with the article. The comparison describes what both sides publish on the stated dates and is insight, not financial advice.