Compared
Orla vs Copilot Money
Copilot is the best looking way to watch American dollars. Orla is a book for several currencies and chains, wherever you live.
Checked on 13 September 2026 against Copilot's own pricing page and help centre.
Side by side
What each one is, and where it stops
Their words are quoted, not paraphrased.
| Orla | Copilot Money | |
|---|---|---|
| What it isIn one sentence | One book for banks, exchanges and wallets, tax included | A spending and net worth tracker, unusually well made, for money in American banks |
| PriceTheir pricing section, this month | Free forever, no card; Starter $25 or Pro $69 a month | $95 a year, shown as $7.92 a month; a test drive before you connect anything, then a one month trial |
| Where it worksWho can sign up | Open banking in Europe, the UK and the US | “We only support US financial institutions and as such are only available in the US App Store” |
| CurrenciesEarn in one, spend in another | Each account in its own currency, totalled in one you pick | “Copilot only supports USD and does not convert foreign currency transactions”, in their own help centre |
| CryptoExchanges and wallets | Trades, transfers and stablecoin income arrive as transactions, with a cost basis kept through swaps | Six exchanges on Apple devices and four on the web; wallet tracking for Bitcoin and Ethereum addresses only |
| Getting paidInvoices and pay links | Invoices, pay links, reminders, cards | None; it is not what Copilot is for |
| DevicesWhere they win | An iPhone app is built and close to the store. Until it lands, Orla installs from the browser on iPhone and Android | iPhone, iPad, Mac and web; a Design Awards finalist |
Fair is fair
When Copilot is the right choice
A comparison you can trust has to be able to say this.
- Your money is American, counted in dollars, and your devices are Apple.
- You want the best made of the four, and a design award is not nothing when you open an app daily.
- You want to look around before connecting a bank, and their test drive does exactly that.
Where Orla is different
Money that is not in dollars, or not in a bank
If any of these is your money, the comparison decides itself.
- A salary in euros, rent in zlotys and savings in dollars, each held in its own currency and totalled in yours.
- Coins that move: a sale on an exchange, a stablecoin invoice, a transfer between your own wallets, each a line in the budget.
- A bank anywhere outside the United States.
Questions
The questions the table does not answer
Can I use Copilot Money outside the United States?
Their help centre says no: “we only support US financial institutions and as such are only available in the US App Store”, and “Copilot only supports USD and does not convert foreign currency transactions”. Orla connects banks through open banking in Europe, the UK and the US, and holds every account in its own currency.
How does Copilot handle crypto?
Their crypto page describes tracking: integrations with six exchanges on Apple devices and four on the web, plus Bitcoin and Ethereum addresses. What it does not describe is those coins arriving as categorised transactions in a budget, which is what Orla does with trades, transfers and stablecoin income.
Which one is better made?
Copilot, and it is not particularly close. It is an Apple Design Awards finalist with iPhone, iPad, Mac and web apps. Orla installs from the browser today, with a native iPhone app built and close to the store. If your money is American and in dollars, that is a real reason to pick them over us, and we say so.
Other comparisons
Start free, in your own currency
Connections are read only either way, and leaving takes your data with you.
Or compare against Monarch →- Orla vs T:0 →
- T:0 keeps GAAP books with a CPA; Orla runs everything before the accountant, and speaks crypto.
- Orla vs Dimely →
- Dimely turns a contract into an invoice inside your ERP; Orla takes it all the way to the money.
- Orla vs Fuelfinance →
- Fuelfinance is FP&A over QuickBooks; Orla is the book itself, for a company with no bookkeeper.
- Orla vs Light →
- Light is an agentic ERP for groups of companies; Orla is one company's back office, started this afternoon.
- Orla vs Neno →
- Neno is a Dutch accounting firm that holds money and files; Orla holds neither and hands the month to your accountant.
- Moving off Midday →
- Midday is winding down; Orla reads its whole export, categories and receipts included.
- Orla vs YNAB →
- Both budget your money. YNAB sees your banks; Orla sees banks, exchanges and wallets in one book.
- Orla vs Monarch →
- Monarch budgets American and Canadian banks well; Orla adds exchanges and wallets to the same money.
- Orla vs Lunch Money →
- Both independent, both outside America; the split is whether a coin is a balance or a line.
- Orla vs Splitwise →
- Splitwise keeps score of who owes whom; Orla keeps the book those debts belong to.
- Orla vs CoinTracker →
- One counts last year's crypto for the tax office; the other runs your money all year.
- YNAB alternatives →
- Five options with the price and the catch on each.
- Splitwise alternatives →
- Two free like-for-like options, one different idea, and when moving a group is not worth it.
See it on your own books
Thirty minutes: we connect an account, drop a real bill in, and close a month together.