# Money comes from more than one place.

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

> Receive income, hold supported currencies and follow your spending with a Finanzer personal account. See available money, pending payments and recent activity.

Receive income, hold supported currencies and pay for everyday life from one account view. Know what is available, what is pending and where each payment belongs.

## Income in. Everyday life out.

Receiving a payment, paying for a trip and keeping a record should fit into one routine.

### Receive income or a transfer

Use the funding instructions for your account and currency. The beneficiary details and reference connect incoming money to the right account.

### Hold the currencies you use

See balances separately so you can decide whether to keep money in its current currency or convert it for an upcoming payment.

### Spend from what is available

Pending card authorizations reduce the money available for your next purchase. The account keeps those commitments visible.

### Return to the record

Find a transaction, trace its reference and export a statement when you need to reconcile a payment or share a record.

## Three numbers. One useful distinction.

In the illustrative account shown above, a pending card payment explains the difference between booked and available money.

| Example balance | Amount | Meaning |

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

| Booked | €1,874.80 | Transactions already recorded in the account. |

| Pending card purchase | €34.80 | Reserved for a purchase that has not yet settled. |

| Available | €1,840.00 | What remains after that pending amount. |

Illustrative ledger, not a live customer account. Other holds or restrictions can also affect available money.

## Choose the destination. Review what arrives.

For an overseas payment, the account is your starting point. A quote connects the funding balance to the recipient’s amount, fee and estimated arrival.

If you choose a stablecoin wallet route, confirm the asset and network at both ends. A USD-denominated stablecoin has issuer, custody and redemption risks distinct from a currency account.

[Explore transfers](https://finanzer.ai/personal/transfers)

## Make the first incoming payment count.

Confirm your account setup before sending money to it.

### Complete verification

Confirm your identity, residence and the services available for your account.

### Use the supplied details

Copy the funding instructions for the right currency. Check the reference and any permitted funding methods.

### Follow the incoming payment

Use its status and reference to track it. Once funds are available, you can spend or prepare a transfer.

## Using your account

### Which currencies are supported?

Personal brings EUR and a USD-denominated stablecoin balance into the account experience. They have different legal and risk characteristics. Ask which account currencies and funding methods are available in your market.

### Why is available lower than booked?

A card purchase may reserve money before it completes. That pending amount reduces what remains available. Account restrictions or other holds may also affect the balance.

### Is a stablecoin balance the same as a bank deposit?

No. Stablecoins carry their own issuer, custody and redemption risks. Review the terms of the specific asset and service, including how you can convert or withdraw it.

### Can I download statements?

Yes. Use account statements to review activity or share a financial record. Available formats and date coverage are shown in your account.

## Start with a clearer view of your money.

Choose Personal, confirm availability and review your funding instructions.

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

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