Personal
Receive, spend and send across borders. Bring accounts, cards, rewards and supported digital assets into view, with separate options for investing and borrowing.
Find your Personal accountThe Finanzer platform
One financial platform.
For life and business.
Bring your everyday money, business finances and next investment into view. Accounts, cards, stablecoins, payments, treasury and capital connect through Finanzer, with Agent to help you decide and APIs to build on.
Start where you are.
Build from there.
Manage your own money, run a company’s finances or build financial services into your product. Each part of Finanzer has a clear role, with the accounts, permissions and terms appropriate to it.
Business
Pay a supplier, give a colleague a card or review this month’s cash position. Keep the payment, the person responsible and the record together.
See how Business worksTreasury
See cash across currencies, upcoming commitments and longer-term allocations. Plan liquidity around what your business needs to keep available.
Explore TreasuryCapital
Explore financing for working capital, receivables and growth. Review eligibility, total cost and repayment against the purpose of the funding.
Explore CapitalAgent
Ask about your financial position, compare options and prepare an action for review. The supporting records and required approvals stay in view.
Meet Finanzer AgentDevelopers
Build around accounts, cards, payments and events. Explore APIs, webhooks and sandbox access for the financial workflows your product needs.
Explore developer toolsKnow what you can use.
Know what is committed.
A balance only helps when you know what it means. See available money, pending card payments and recent activity together, with separate balances for each currency.
A card payment can reserve money before the merchant completes it. Finanzer keeps that pending amount visible, so yesterday’s purchase doesn’t surprise you tomorrow.
See the account in detail
PersonalAR
Available balance EUR
€1,840.00Booked€1,874.80Pending€34.80
Recent activitySeptember
North CaféCard payment · Pending−€34.80
Cashback paidRewards credit · Completed+€6.20
Jonas KellerBank transfer · Completed−€224.73
The card you reach for.
The controls you expect.
Pay in person or online, track eligible cashback and manage your card from your account. The signature ivory design is part of something you use every day.
Need to pause your card? Freeze it from its controls. Checking a purchase? See its status and whether the reward is still pending.
Explore the signature card
Choose how an expense
fits into your life.
Use your own balance for everyday purchases. If you choose credit, distinguish a gap until payday from an expense to repay over time, or a loan secured by assets you hold.
Pay with your available money.
Spend money you already have in your account. Your available balance reflects pending payments, so you can see what remains to spend.
Funding: available balance · No borrowing in this mode.Explore the accountSpend today. Settle on payday.
Cover an eligible expense before payday, then repay on the agreed date. Check the full cost and whether the payment fits your expected income.
Credit eligibility and repayment terms apply.How Daypath worksSpread an expense over installments.
Choose an eligible expense to repay over time. Compare every due date, the applicable rate and the total you will repay.
Credit eligibility, fees and repayment obligations apply.How Stepline worksBorrow against eligible holdings.
Access funds without selling eligible assets upfront. The loan has borrowing costs, and pledged assets can be liquidated if collateral conditions are breached.
Collateral can lose value. Extra collateral, repayment or liquidation may be required.How Holdpath worksCredit requires approval and creates a repayment obligation. Holdpath also carries collateral and liquidation risk.
The invoice. The approval.
The money behind it.
Bring supplier payments, team spending and operating cash into the same workflow. See what is waiting for approval before deciding what the business can use next.
Treasury helps you separate upcoming commitments from longer-term allocations. Capital gives you a route to discuss funding when paying for an order comes before getting paid.
Explore Business
Arc StudioAS
PAYMENT REVIEW
Linea ComponentsNeeds your approvalLC-2048Aluminium lamp components
€840.00Approval progress1 of 2
ER
Elena RossiFirst approver
AR
Alex RiveraYour approval is required
Two approvals required
No money moves during review.
No money moves during review.
Ask about your money.
See what the answer rests on.
Ask Agent to explain a cash position or prepare a payment for review. Inspect the records, proposed amount and required permissions before anyone takes action.
See Agent’s role
Finanzer AgentAS
Arc Studio · Business workspace
Review tomorrow’s supplier payment.
Linea Components is due tomorrow.
The payment is prepared. One approval is still needed before it can be released.LC-2048Prepared
€840.00Linea Components
Funding accountBusiness EUR
Your approvalAwaiting review
Based onInvoiceAccountPolicy
Before you choose Finanzer
Start with Personal for your own money or Business for company finances. Treasury covers liquidity planning; Capital covers business financing. Agent helps explain and prepare decisions, while Developers covers APIs and integrations. Credit and investment products have separate eligibility and terms.
You can use the account and card without choosing a credit or investment product. Stablecoin transfers, Earn and asset-backed borrowing are separate choices with their own terms.
The products share an account context. A purchase connects to its pending amount and reward; a business payment connects to its approval and funding source. You can then explore treasury or financing without treating each decision as an unrelated task.
Availability depends on your residence or company location and the service involved. Ask for the account, card, currency and product coverage for your market before applying.
Your next move.
Your part of Finanzer.
Find the accounts, payments, treasury, financing or integration tools that fit what you need to do next.