Money you own
Hold supported currencies and follow incoming funds, pending transactions and available money.
Personal accountsFinanzer Personal
Keep your plans moving. Make spending rewarding.
Asset-backed credit cards and premium cashback for your own spending. Bring your eligible assets, card activity and borrowing into a financial view you can understand.
personal card
Your card, supported by eligible assets.
Pledge eligible assets as collateral for credit linked to your card. Use the agreed facility for purchases and keep the repayment obligation in view.
Borrowing is secured against your assets. Their value can change, and pledged assets may be sold if the agreement’s requirements are not met.
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personal cashback
Get something back from the way you spend.
Earn premium cashback on eligible purchases. Follow the reward from the original transaction to the amount available to you.
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The account behind the card.
Credit, cash and investments serve different purposes. Keep their balances and obligations distinct.
payment options
Choose how to fund the purchase.
A borrowing option should fit your repayment plan, not just today’s expense.
| Option | What you use | What to review |
|---|---|---|
| Account balance | Money already available to you | Currency, pending commitments and fees. |
| Asset-backed card | Credit secured by eligible assets | Cost of credit, collateral and repayment. |
| Other credit options | A separately assessed credit offer | The amount, schedule, total cost and eligibility. |
Account balance
- What you use
- Money already available to you
- What to review
- Currency, pending commitments and fees.
Asset-backed card
- What you use
- Credit secured by eligible assets
- What to review
- Cost of credit, collateral and repayment.
Other credit options
- What you use
- A separately assessed credit offer
- What to review
- The amount, schedule, total cost and eligibility.
Eligible assets are pledged as collateral for credit. A purchase draws on that credit rather than requiring an upfront asset sale. You still owe what you borrow, and collateral can be sold if the agreement’s requirements are not met.
Collateral eligibility and valuation depend on the offer. Ask for the accepted asset list, how values are assessed and the conditions for adding or releasing collateral before committing.
Yes. Business cards, cashback and lending have their own eligibility and terms. Company finances should be kept separate from your personal account.
Start with the card. Understand the terms.
Tell us where you live and how you intend to use the card. Ask about the credit and cashback programme that applies to you.