TEO - Das neue Multibanking

12.9K reviews
Content rating
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About this app

Use all multibanking functions with the free and secure finance app and benefit from contract managers, insurance managers and attractive TEO Plus offers.

TEO finance app - reliable online banking including multi-banking, contract manager and attractive TEO Plus offers.

• Multibanking for almost all banks in Germany
• All common online banking functions such as turnover overview, transfers, standing orders
• Integration of the depots from MeinInvest, VermögensPlus and UnionDepotOnline
• Integration of easyCredit
• Cooperation with some Sparda banks for extended online banking
• Contract and insurance manager with termination alarm

• Financial weather, virtual savings boxes, discounted and attractive partner offers
• Excellent security and data protection standards
• TÜV-approved app for security requirements

• TEO offers familiar online banking functions in one place
• Multibank financial overview of all accounts
• Transfers with the usual release procedure
• Photo and QR code transfers
• Financial overview of integrated depots

The start page contains a total balance of all integrated accounts selected by the user. Below this are the individual balances of the integrated account types (current, investment, credit accounts and credit cards).

The Sparda banks in Augsburg, Baden-Württemberg, Munich and Nuremberg cooperate with TEO. In this way, they can provide their customers with additional online banking functions and information, such as a contact center, direct debit return, mailbox, appointment scheduling, push notifications for account movements.

The contract manager automatically recognizes current contracts and lists them clearly. Additional contracts, notice periods and a notice alarm can be added manually. The insurance manager helps to keep an overview of the insurance policies taken out and their monthly costs. These can be optimized with useful insurance offers and tips. With the contract check in TEO, contracts can be easily compared.

With the financial weather, the financial future is never uncertain again. On the basis of recurring income and expenses and taking variable payments into account, you can receive forecasts about the account balance at any time. The next 1-13 months can be reliably predicted.

The TEO Sparboxes make saving for new wishes easier and simpler than ever before. The number of Sparboxes is unlimited and they can be named individually. In this way, savings are made in a targeted and automatic manner for the next request. And best of all: The money stays in the account the whole time - because with TEO it is only put aside virtually.

With TEO Plus you can optimize finances and reduce everyday expenses. In the “Partner Offers” category you will find suitable savings and value-added offers. In addition to a large selection of partner offers, (value) vouchers can also be purchased at a reduced price. The "Financial Products" category offers selected financial and insurance products for individual needs and circumstances. In addition, editorial and informative contributions invite you to read and discover.

TEO attaches great importance to the protection and security of data. TEO does not store any sensitive payment information on the end device - this is reloaded in encrypted form with every login. TEO is protected by security measures such as firewalls, SSL protection and authentication processes.

TEO can be used from the age of 7. Users under the age of 16 require the consent of a legal guardian to create a TEO account.
Updated on
Oct 24, 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, Financial info and 4 others
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

12.4K reviews
Bastian Schall
October 25, 2023
App works reasonably well, but you still need to keep your banking app and all logins meaning to maintain additional logins and keeping another app updated. Maybe an idea to improve in the future.
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Nikolaus Guskow
September 4, 2023
Complete joke from the start, by now somewhat finished. Still problems with Enpass (other password managers probably as well) & u also can't paste into the password field, so no way to login on mobile devices properly.
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Dimitar Yonchev
August 18, 2023
The app is food but not very accessible for Android devices. Please introduce dark mode or at least make it stable (i.e.do not log out) when using the native color inversion shortcut im Android.
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What's new

Neu mit dem aktuellen Update:
- Fehlerbehebungen
Neu seit dem letzten Update (1.16.0):
- Optimierung der Sparda Debit Mastercard Kartenverwaltung*
- Verbesserung der Performance
- Fehlerbehebungen

Fragen oder Feedback zu TEO? Die Kontaktdaten des Supports befinden sich in TEO unter Profil / Kommunikation oder unter http://teo.de/hilfe
* für Kunden der Sparda-Bank BW

App support