Finance guru is one of the most popular financial apps in Germany.
She promises one Automatic management of accounts, credit cards and contractsso that users keep an eye on their finances at one place. In practice, the integration of many banks and credit card providers works without any problems – But American Express (Amex) remains an exception.
Who his American Express card with Finanzguru want to link, come across Technical restrictions, regular connections and manual security queries. This is not due to Finanzguru itself, but because American Express does not offer an open interface for third -party providers.
But what does that mean specifically for users? Does the integration of Amex even work? What restrictions are there and are there better alternatives for Amex customers?
Why doesn’t American Express work reliably with Finanzguru?
The main problem is that Missing API interface from American Express.
Many banks offer financial apps a standardized way to access account details- American Express not.
As a result, Finanzguru cannot simply access the transaction data as with other banks, but is on Alternative methods are dependent that are often prone to errors.
The most common problems in practice:
- Regular discounts: Many users report that their AMEX card was initially successfully linked, but later suddenly No more new bookings synchronized became.
- Manual security queries: Since Amex does not provide automatic data interface, users have to regularly log in manually and confirm a tan or pushanso that Finanzguru can access the data.
- Missing or incomplete transactions: Even if the synchronization works, it can happen that older bookings are not recorded or only partially imported.
- Partner cards are not separately incorporated: Who a Main map and partner cards uses, cannot add it individually – but only as a entire account. This is impractical for many households and companies.
While Finanzguru works smoothly with many banks and credit card providers, remains the connection of American Express a weak point.
Why does American Express not offer an open interface for financial apps?
Many banks enable financial apps to access account details because they are legally available for providing a PSD2-compliant API are obliged. This EU directive ensures that Customers can certainly share their financial data with third -party providers.
But American Express does not fall under this regulationbecause the company as Credit card providers, but not as a classic bank applies. So Amex has to No standardized API for third -party providers provide. Instead, there are only limited access options over Web scraping -A technology that extracts bank details directly from the online banking interface, but is prone to errors.
That means:
- Other credit card providers offer financial apps a stable connection-Amex.
- Finanzguru cannot integrate Amex automatically like other banks, but has to use complicated detours.
- This leads to connection problems, safety queries and data gaps.
These restrictions affect not only finance guru, but also many other financial apps.
What alternatives are there for owners of an American Express credit card?
If you absolutely want to manage your Amex credit card in a financial app, you should See alternatives to finance guru. Some apps offer a more stable connection to American Express – even if they also fight with restrictions.
Apps with better AMEX support:
- Outbench: In many cases, offers more stable synchronization with AMEX and uses various methods to update data regularly.
- Financial view: Has a somewhat more reliable integration of amex loan cards, but often also requires manual verification.
- Direct amex app: If you only want to monitor your Amex sales, you can directly Official American Express app to use. The comprehensive financial overview is missing here, but the data is always up to date.
Overall, the following applies: No financial app can integrate Amex as easily as a classic bank details.
Is Finanzguru worthwhile for Amex users at all?
That depends on your own usage behavior.
Who Mainly used bank accounts, current cards or credit cards from Visa and Mastercard, no problems with Finanzguru – The synchronization works reliably here.
However, who It attaches great importance to integrating its American Express cards into the app.
The lack of API connection through Amex leads to one unstable connection, regular manual safety queries and incomplete data.
Finanzguru is still worth it for:
- Users who want to manage their bank accounts and other credit cards – Because here the app works perfectly.
- People who only use amex occasionally and do not need daily synchronization.
- Savers who want to get an overview of their expenses – even if Amex is not perfectly integrated.
Finance guru is less suitable for:
- Users who use their AMEX card intensively every day and expect seamless transaction data.
- Entrepreneurs or households who want to manage partner cards separately.
- People who are looking for a financial app that works smoothly with Amex-alternatives like Outbank may be better here.
Conclusion: Finanzguru is great – but not for American Express users
Finance guru is one the best financial apps on the German market and offers one Width support for bank accounts and many credit card providers. But American Express remains a problem – and that is not due to Finanzguru, but because Amex itself.
Since Amex does not offer an open interface for third -party providers, the integration remains Pickground, unstable and connected to manual security queries. If you pay regularly with Amex, you could therefore use Finanzguru be completely satisfied.
For everyone else, the app is A strong solution for financial management – with a high level of security, good overview and many practical functions. Who a Looking for reliable management of his AMEX card, on the other hand, you should check alternatives or use the AMEX app directly