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 https://www.bonify.de/agb

General terms and conditions of Forteil GmbH for IdentProtect https://www.bonify.de/agb-identprotect

Data protection of Forteil GmbH https://www.bonify.de/datenschutzerklaerung

Introduction

Bonify Bonitätsmanager is a comprehensive digital tool designed to help individuals monitor, improve, and manage their credit scores and overall financial well-being. With its user-friendly interface and advanced features, Bonify empowers users to take control of their financial health and make informed decisions that can positively impact their financial future.

Credit Score Monitoring

Bonify provides real-time access to your credit score from Schufa, one of the leading credit bureaus in Germany. This allows you to track your score over time and identify any factors that may be affecting it. The app also provides detailed explanations of the various factors that influence your credit score, helping you understand how to improve it.

Personalized Recommendations

Based on your credit score and financial situation, Bonify offers personalized recommendations on how to enhance your creditworthiness. These recommendations may include suggestions for paying down debt, reducing credit utilization, or disputing inaccurate information on your credit report. By following these recommendations, you can proactively work towards improving your credit score.

Financial Health Analysis

Bonify goes beyond credit score monitoring by providing a comprehensive analysis of your overall financial health. The app tracks your income, expenses, and assets, giving you a clear picture of your financial situation. This information helps you identify areas where you can improve your spending habits and make better financial decisions.

Debt Management

Bonify helps you manage your debts effectively. It provides an overview of your outstanding debts, including interest rates and payment due dates. The app also allows you to set up payment plans and track your progress towards becoming debt-free. By consolidating your debts and streamlining your payments, Bonify can help you save money and reduce stress.

Budgeting and Planning

Bonify integrates with your bank accounts to provide a complete view of your financial transactions. This allows you to create budgets, track your expenses, and identify areas where you can save money. The app also offers insights into your spending patterns, helping you make more informed decisions about your finances.

Insurance and Savings

Bonify partners with leading insurance providers to offer tailored insurance solutions that meet your specific needs. The app also helps you set up savings goals and track your progress towards achieving them. By leveraging Bonify's insurance and savings features, you can protect your financial future and secure your financial well-being.

Conclusion

Bonify Bonitätsmanager is an invaluable tool for anyone looking to improve their credit score and overall financial health. Its comprehensive features, personalized recommendations, and user-friendly interface empower users to take control of their finances and make informed decisions that can positively impact their financial future. Whether you're just starting out on your financial journey or looking to optimize your existing finances, Bonify is an essential companion that can help you achieve your financial goals.