bonify Finanzmanager

In-app purchases
3.03K 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 with no paperwork.

And much more! Start improving your financial life.

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

The bonify app at a glance:

FREE: The download and the core functions credit check, FinFitness and individual product offers matching the credit rating are 100% free. Identity protection can be booked on request for a small fee. You are not obliged to do so and can also use the app without identity protection.

CREDIT CHECK: Your creditworthiness is crucial for every rental, mobile phone and loan agreement. It even plays an important role when purchasing on account. Check your credit score and creditworthiness and keep track of any changes. We will send you notifications as soon as something changes in your credit rating. Improve your score with numerous tips and benefit from the best contract conditions.

CORRECT CREDIT ENTRY: With the bonify ScoreCorrector you can have incorrect or outdated credit entries corrected directly in the app.

FINFITNESS: Keep your finances fit! Our unique feature ensures that your finances get a workout. Your household surplus, savings, returned direct debits and the employment relationship are relevant for the calculation of FinFitness.

DIGITAL LOANS: 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 fit 100% to your financial situation.

INDIVIDUALIZED PRODUCTS: Regardless of whether it is loans, current accounts, credit cards, insurance, gas or electricity, with bonify you will 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, a 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 information with 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 allows you to 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 free credit card with many advantages, including identity protection by IdentProtect.

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

EVER BETTER: We at bonify are constantly working on making it even easier and more advantageous for you to use bonify. You can look forward to regular updates from our developers.

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
Mar 13, 2023

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
This app may collect these data types
Personal info
Data is encrypted in transit
You can request that data be deleted
3.03K reviews
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.
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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
December 5, 2020
Bonify asks you for your online banking User name and password. I installed the app about a month ago. I have provided my online banking user ID and password, this may have been a stupid idea but I have tried any way. I have only used bonify only 3 to 4 times. Recently I have looked my account online and checked how many times bonify tries to access my information, it was listed as 161 times!!!!! No ideas who is on bonify accessing my information and how it is being used. Very Bad!!!
1 person found this review helpful
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December 3, 2020
Thanks for your feedback! If you connected your bank account and saved the PIN one of our features is the analysis of your transaction to calculate your financial health (FinFitness). We retrieve new information regularly to keep you up to date. Of course saving the PIN is voluntary and you can remove your bank account entirely after identifying.
A Google user
May 19, 2019
It would not connect with the Bank... Lack of desctription makes it impossible to see if it was bank or bonify side problem. Tried multiple time but no success. update: i contacted customer support, they blame my bank. Problem is that with other app there is no problem with connection to my bank... so i suppose problem is on bonify side... not bank. Probbly should get better interface developers...
3 people found this review helpful
Did you find this helpful?
May 17, 2019
Dear Michal, we are sorry to hear about the technical issues you had. Please contact our customer service so that we can solve the issue together. You can reach out to us by phone: +4930 / 346466707 or mail: Best regards your team bonify

What's new

NEUE VERSION: * Bug Fixes & Generelle Verbesserung der App-Performance