Fintonic | Ahorra y finánciate

79.3K reviews
Content rating
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About this app

FINTONIC - The app that gives you more money


With Fintonic you get the loan you need and we help you have more money with paid accounts, investments, saving on insurance, avoiding commissions...


The best financing with your FinScore: the index that only Fintonic gives you that assesses how you manage your money.

Up to €50,000 between more than 45 entities.

100% online. No small print and no paperwork.

You will pay what you can pay. Tailored to your financial capacity.


Know your FinScore and achieve the best conditions on your loans, mortgages, cards, etc.

Negotiate face to face with the banks.

Enjoy a lower interest rate, a maximum financing amount and longer terms.


Still money is dead money. If you are one of those who have the typical savings cushion or some extra money in the bank, it is time to move it. At Fintonic we will show you at all times which are the best options.


A paid account is a bank account that offers a guaranteed fixed interest for a specified period.

Guaranteed profitability

Low risk

High liquidity, you can withdraw your money at any time without penalty.


Real Estate Market: you need to have a certain liquidity. Currently, mortgages are very high and could harm your profitability, so the more money you can contribute from your pocket, the better.

Index funds: In the portfolio you can establish a risk level, to invest more money in fixed or variable funds. If you are young and have a stable source of income, you can choose a fairly high risk.


With our Personal Finance Program you improve your finances, increase your savings, income and feel control over your money like never before. You can save between €2,000 and €5,000 the first year.

What you achieve with this Program:

9/10 people improve their income and save

7/10 have more control over their money

8/10 reduce their debts and even leave them behind


We are the first Spanish fintech authorized and supervised by the Bank of Spain, with registration number 6892, to provide account information and payment initiation services.

Behind us are more than 12 years at the user's side and more than 70 people working

More than 1 million people are already getting the most out of their money.


We are a free application. Our business model consists of helping users get the financial products that best suit them from more than 50 leading financial and insurance entities, telcos, and energy companies; We are not a comparator, we do everything for you.

We are committed to always offering the best for the user, because we have no conflict of interest. Fintonic makes money by charging companies equally when the user chooses to purchase a product. We never charge the user.

Your personal data is covered by the European General Data Protection Regulation (GDPR); They are strictly confidential and impossible to transfer to third parties. / Tel.: 911 920 330

Paseo de la Castellana 163, floor 1, 28046, Madrid


Licensed by the Bank of Spain to provide account information and payment initiation services.

Fintonic complies with all the security requirements of the European Directive PSD2.

Technology verified and validated by the leading experts in digital security and privacy.
Updated on
Feb 18, 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, Messages, and Photos and videos
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

77.7K reviews
November 29, 2023
When it works great but it seems to not want to connect to certain banks. 6 weeks I have been asking the soporte team and they just say they are working on it. And yet all this time the bank in question is showing up that it can still be added to Fintonic on the main screen? Very frustrating experience with poor communication as to why it can't be fixed. They don't seem bothered that they will lose clients. Will be uninstalling app.
4 people found this review helpful
Elijah De La Hoz
June 10, 2021
Awful app. Seems like everything is save somewhere but not your phone. So if you're having internet access issues, that will restrict your usage in the app. Long time to load. To slow. Don't get me wrong, it's grate idea but needs a lot of improvements. And to be honest, I don't like the idea that my info is storage somewhere and not in my phone. Share your experience, it may help the app.
20 people found this review helpful
Fintonic Servicios Financieros S.L.
June 10, 2021
Hola Elijah! Puedes estar tranquilo, estamos supervisados por el banco de España y tus datos personales están amparados por el RGPD de ámbito europeo; son confidenciales e imposibles de traspasar a terceros. Si tienes alguna duda, puedes contactarnos en y te indicaremos más detalles. ¡Gracias, un saludo!
Sara Lopez
August 28, 2021
The app is good to manage bank account expenses, but I miss having the option to manually add transactions made with cash,(or being able to add cash wallets).Also I can't fully categorise the expenses of the credit card because I can only divide each transaction in 3 sub-transactions. It would be better to don't limit the amount of divisions you can do of a transaction. But for me the main point that is missing is having the ability of adding transactions manually. with that it would be perfect
23 people found this review helpful
Fintonic Servicios Financieros S.L.
September 10, 2021
Hola Sara! Si nos escribes a indicando esto mismo, tomaremos nota de tu sugerencia y mail para avisarte si estuviera disponible en futuras actualizaciones. ¡Gracias y feliz día!

What's new

Hemos mejorando la fluidez de la app y solucionado pequeños errores.

Recuerda que estamos para lo que necesites en

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