# Everyday money. Longer-term plans.

Canonical page: https://finanzer.ai/personal

> Manage everyday money and explore longer-term choices with Finanzer: accounts, cards, transfers, digital assets, rewards, investments and credit options.

Receive income, spend with your card and move money across borders. Keep supported currencies and digital assets in view, earn eligible rewards, and explore investment or borrowing options on their own terms.

## Income lands. Life keeps moving.

Receive money using your account’s funding details, hold supported currencies and see what remains available after pending payments. Your card, transfers and transaction history belong to the same view.

Travelling, paying abroad or receiving money from elsewhere? Start with the currency you need. Finanzer shows the transfer route and cost when you’re ready to move it.

[Look inside the account](https://finanzer.ai/personal/accounts)

## A familiar purchase. A visible reward.

Pay for what you need and follow the cashback on eligible transactions. See the purchase that earned it, what is pending and what has reached your account.

Use the virtual card for online purchases and the physical signature card in person. Card controls and payment activity stay close at hand.

[Meet the signature card](https://finanzer.ai/personal/cards)

## Pay now, on payday, or over time.

A train ticket before payday and a larger purchase are different decisions. Compare when you repay, the full cost and whether you are pledging assets. Borrowing is optional, even when you use Finanzer every day.

### Pay now

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.

### Daypath

Spend 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.

### Stepline

Spread 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.

### Holdpath

Borrow 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.

Daypath, Stepline and Holdpath are credit products, subject to approval. Pledged assets may be liquidated if collateral conditions are breached.

## Look beyond the first payment.

Use the funding source and repayment structure to understand the difference. Your individual offer sets the actual amounts, dates and charges.

| Option | Money used | What happens next |

| --- | --- | --- |

| Pay now | Your available account balance | The purchase reduces money you already have. |

| Daypath | Approved short-term credit | Repay on the agreed payday-related date. |

| Stepline | Approved installment credit | Repay across the schedule shown in your offer. |

| Holdpath | A loan secured by eligible assets | Repay the loan and maintain the required collateral. |

## See your holdings alongside your everyday money.

Keep track of assets without confusing their value with money you can spend. Explore Earn separately when you want to allocate funds to an investment strategy.

With Holdpath, eligible holdings can secure a loan instead of being sold at the outset. Borrowing costs and market risk remain, and the lender may sell collateral if the terms are breached.

[Understand Holdpath](https://finanzer.ai/personal/holdpath)

## From account to your first purchase.

Start with the everyday services. You can consider credit and investing separately.

### Choose Personal

Confirm the account and card options available for your residence, then complete identity verification.

### Add money

Use the funding details provided for your account. Check the currency and reference so the payment reaches the right place.

### Put the card to use

Review your card controls, make a purchase and follow it from pending authorization to completion.

## A few things worth understanding

### Do I have to use Daypath or Stepline?

No. Pay now uses your available balance. Credit is an additional product that needs eligibility checks, approval and your acceptance of a separate agreement.

### Does cashback mean every purchase earns the same amount?

The rate and eligibility depend on the reward program. Merchant, category, country, campaign dates, exclusions and caps can affect what a purchase earns. Paid rewards are separate from rewards still pending.

### Can I keep my assets and use their value?

Holdpath lets you borrow against eligible holdings without selling them upfront. Those assets are pledged, can change in value and may be liquidated. They are not freely spendable while securing the loan.

### Can I use Personal for my company?

Use Business for company accounts, employee cards and approval workflows. Personal is for your own finances; the account terms define permitted use.

## Make Finanzer part of your everyday.

Start with Personal. Review the account and card options for your market before funding.

[Choose your Personal account](https://finanzer.ai/get-started#choose)

[Ask about availability](https://finanzer.ai/contact?topic=Personal%20account#enquiry)