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Personal Finance · head to head

Banktivity vs Bitfinex

Banktivity logo

Banktivity

Personal Finance

Personal finance for Mac and iOS

From
On request
Rated
-
Full reviewWebsite
Bitfinex logo

Bitfinex

Cryptocurrency & Blockchain

Professional cryptocurrency trading platform

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Bitfinex has a free tier, so it costs nothing to try first.
  • Each has a real cost: Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version; Bitfinex margin trading requires Intermediate account verification (2-3 working days)
  • They diverge on capability: Banktivity covers Account tracking, Bitfinex covers Spot Trading.

Where they differ

Only the attributes on which Banktivity and Bitfinex actually diverge.

Attributes where Banktivity and Bitfinex differ
AttributeBanktivityBitfinex
Starting priceOn requestFree
Pricing modelsubscriptionUnknown
Free tierNoYes
PlatformsMac, IOSWeb, Ios, Android
CategoryPersonal FinanceCryptocurrency & Blockchain
Founded20072012

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Banktivity

  • Account tracking
  • Bill management
  • Investment tracking
  • Budget forecasting
  • Bank accounts
  • Investment accounts
  • Mac support
  • IOS support

Only in Bitfinex

  • Spot Trading
  • Margin Trading
  • Derivatives
  • Lending Marketplace
  • OTC Desk
  • UNUS SED LEO
  • Tether
  • Web support

What people use each for

The jobs each tool is most often brought in to do.

Banktivity

  • Personal budgeting and money management on a Macnot Bitfinex
  • Investment and net worth trackingnot Bitfinex
  • Retirement planning projectionsnot Bitfinex
  • Connecting to over 14,000 financial institutionsnot Bitfinex

Bitfinex

  • Exchangesnot Banktivity
  • Tradingnot Banktivity
  • Professionalnot Banktivity

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Banktivity

  • Runs on macOS, iPhone and iPad only, with no Windows, Android or web version
  • Pricing is not shown on the product page and sits behind a separate plans page

Bitfinex

  • Margin trading requires Intermediate account verification (2-3 working days)
  • Automatic liquidation of positions if equity falls below maintenance margin
  • Leverage varies significantly by trading pair with no publicly uniform limit
  • Fiat deposit/withdrawal fees and minimums apply; crypto transfers free but network fees may apply

Pricing, plan by plan

Banktivity

On request
  • Monthly$4.99/month
    • Full feature access
    • Cloud sync
  • Annual$39.99/month
    • All monthly features
    • Discounted rate

Bitfinex

Free

No published plan breakdown. See the Bitfinex review.

Which should you pick?

Choose Banktivity if

  • You need account tracking.
  • You work on Mac, IOS.
  • You also want bill management.
Banktivity review

Choose Bitfinex if

  • You need spot trading.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want margin trading.
Bitfinex review

Questions people ask

Is Banktivity or Bitfinex better?
Neither clearly leads. Banktivity starts at On request and Bitfinex at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Banktivity or Bitfinex?
Bitfinex has a free tier; the other does not. Paid plans start at On request for Banktivity and Free for Bitfinex.
Does Banktivity or Bitfinex run on more platforms?
Banktivity runs on Mac, IOS. Bitfinex runs on Web, Ios, Android.
Can I use Bitfinex for free?
Yes. Bitfinex has a free tier, so you can try it without paying. Banktivity starts at On request.
What is Banktivity best used for?
Banktivity is most often used for personal budgeting and money management on a mac, investment and net worth tracking, retirement planning projections, connecting to over 14,000 financial institutions. Of those, personal budgeting and money management on a mac and investment and net worth tracking are not what Bitfinex is typically brought in for.
What can Banktivity do that Bitfinex cannot?
Banktivity covers Account tracking, Bill management, Investment tracking, Budget forecasting. Bitfinex covers Spot Trading, Margin Trading, Derivatives, Lending Marketplace.

Answered from the vendors’ own pages

Bitfinex: What are Bitfinex's current trading fees?

As of December 17, 2025, Bitfinex charges zero maker and taker fees for spot, margin, derivatives, securities, and OTC trading across all customers.

Source
Bitfinex: What deposit and withdrawal fees does Bitfinex charge?

Crypto and securities deposits are free. Fiat deposits via bank wire cost 0.100% (minimum $60 USD/Euro). Fiat withdrawals via bank wire cost 0.100% (minimum $100) or 1.000% for express (minimum $125).

Source
Bitfinex: What is the maximum leverage available for margin trading?

Bitfinex offers up to 10x leverage on spot margin trading and up to 100x leverage on derivatives contracts. Leverage ratios vary by trading pair.

Source
Bitfinex: What account verification is required for margin trading?

Margin trading requires Intermediate level verification or higher for accounts created after March 1, 2022. Older accounts may use Basic Plus verification.

Source
Bitfinex: What happens if my margin position falls below maintenance requirements?

If account equity falls below the minimum maintenance margin level, Bitfinex automatically liquidates positions. A margin call triggers when equity falls below 1.5x the minimum maintenance margin ratio.

Source
Bitfinex: Can I borrow funds for margin trading?

Yes, Bitfinex Borrow allows you to borrow cryptocurrency or stablecoins for margin trading. Borrowed funds accrue peer-to-peer interest rates that adjust based on market conditions.

Source
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