Pay now
- Money used
- Your available account balance
- What happens next
- The purchase reduces money you already have.
Finanzer Personal
Everyday money.
Longer-term plans.
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.
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
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 accountPersonalAR
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
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
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 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 PostPay 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 Flex 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 Asset Flex worksPostPay, Flex and Asset Flex 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. |
| PostPay | Approved short-term credit | Repay on the agreed payday-related date. |
| Flex | Approved installment credit | Repay across the schedule shown in your offer. |
| Asset Flex | A loan secured by eligible assets | Repay the loan and maintain the required collateral. |
PostPay
- Money used
- Approved short-term credit
- What happens next
- Repay on the agreed payday-related date.
Flex
- Money used
- Approved installment credit
- What happens next
- Repay across the schedule shown in your offer.
Asset Flex
- Money used
- A loan secured by eligible assets
- What happens next
- 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 Asset Flex, 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 Asset Flex
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
No. Pay now uses your available balance. Credit is an additional product that needs eligibility checks, approval and your acceptance of a separate agreement.
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.
Asset Flex 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.
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.