bonify Bonitätsmanager

In-app purchases
3.97K reviews
Content rating
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About this app

Take control of your finances! With the bonify app you can...
- check your creditworthiness for free,
- analyze your finances and discover savings offers.
- Download the tenant information or the SCHUFA credit check.
- Apply for 100% digital loans without any paperwork.

And much more! Start improving your financial life.

As your all-in-one financial manager, bonify is always at your side. Check your finances, improve your credit rating and get help saving. With bonify you get offers that are tailored to your financial situation and can therefore save more effectively.

The bonify app at a glance:

FREE: The download and the core functions of credit check, FinFitness and individual product offers that match your credit rating are 100% free. Identity protection can be added upon request for a small fee. You are not obliged to do this and can also use the app without identity protection.

SCHUFA BASIS SCORE: Your SCHUFA basic score provides valuable insights into your creditworthiness and is of interest not only to future landlords and contractual partners. At bonify you can view your original SCHUFA basic score for free at any time. Your score will be updated regularly and we will help you actively improve it with valuable tips.

FINFITNESS: Keep your finances fit! Our unique feature ensures that your finances get a workout. When calculating FinFitness, your household surplus, savings, chargebacks and employment status are relevant.

DIGITAL CREDITS: Would you like to apply for a loan and process it completely online, without any paperwork and in just a few minutes? With the fully digital loan, this is now possible in the app. Digital loan offers that 100% suit your financial situation.

INDIVIDUALIZED PRODUCTS: No matter whether loans, current accounts, credit cards, insurance, gas or electricity, with bonify you receive product offers tailored to your creditworthiness and financial situation.

TENANT INFORMATION & SCHUFA credit check: bonify's tenant information saves you money, effort and time. You will receive a completed tenant self-assessment, confirmation of your rent payments, a credit report and proof of income with the cheapest tenant information on the market. Or you can rely on 100% trust and take the tenant report with a SCHUFA credit check - you can download both directly. (Optional).

IDENTITY PROTECTION (Optional): Criminals are increasingly stealing people's identities and using them to commit crimes. With IdentProtect, bonify now offers all-round protection for your identity. bonify IdentProtect alerts you immediately if your data appears anywhere on the Internet. This way you can react quickly and prevent damage.

BONIFY MASTERCARD-GOLD (optional): With the bonify-MasterCard Gold, which you can optionally apply for in the app, you receive a fee-free credit card with many advantages including identity protection through IdentProtect for free.

SECURITY: Our data protection is TÜV verified and bonify is licensed by the Federal Financial Supervisory Authority (Bafin). We ensure security through high-security servers and data encryption.

bonify – your creditworthiness and finance manager.

General terms and conditions of Forteil GmbH
General terms and conditions of Forteil GmbH for IdentProtect
Data protection of Forteil GmbH
Updated on
Jul 12, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and App activity
This app may collect these data types
Personal info, Photos and videos and 2 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.86K reviews
Serguei Patchkovskii
July 18, 2023
The app does not work - it just gets stuck in the identification step. It is therefore pointless to comment on the clunky UI, which looks like it has been drawn with crayons, and without any thought given to whether the size of the fields is enough to display the data, or whether one can see the buttons one is supposed to press on. It is really weird this pre-alpha-test app has been released into the wild ...
14 people found this review helpful
Did you find this helpful?
July 24, 2023
Hi Serguei, thank you for your detailed review! We're sorry that something didn't quite meet your expectations. We have already forwarded your feedback internally and hope to provide a better product for you soon! Best, your bonify Team
A Google User
January 30, 2023
Disappointing so far. Not as great as it describes itself. Just gives a proxy Schufa score that isn't good for anything. Gonna terminate my account. When linking my bank account their service doesn't allow me to select how to receive my TAN (have two devices listed and it only sends to the first one). I actually went through the trouble of deleting my primary device to receive the TAN and authorization still fails (only received generic error msg from bonify) Too often no content loads in app.
5 people found this review helpful
Did you find this helpful?
February 1, 2023
Hallo, vielen Dank für deine Bewertung. Es tut uns sehr leid, dass du Schwierigkeiten mit dem Bankkonto hast. Bitte schicke uns eine Email an mit Screenshot von dem Fehler. Wir helfen dir sehr gerne weiter. Liebe Grüße, dein bonify Team