Finanzguru has also officially arrived in Austria since 2024-as a digital financial assistant that promises to bring order to account chaos.
The app comes as a branch of the German original, which has already blossomed there to the Fintech burner. In theory: an all-in-one solution for everything that has to do with money- Multi -bankingContract management, budget planning. In practice? It hangs a bit on the details.
But let’s take a close look.
Financial guru Austria: What can the app do?
Finanzguru wants to be more than just a multi-banking app.
It’s not just about calling up your accounting stands, but about real analysis, control and planning. The app combines with checking accounts, savings accounts, depots, credit cards – and even crypto bonds or insurance. All sales are automatically categorized by AI, recurring payments are recognized, contracts extracted and clearly presented.
So you not only get your last editions listed, but also know when your next Spotify contribution will be drafted-or what you have in theory until the end of the month. An intelligent budget book with forecast function included. Terminations of subscription contracts? Go with a tap.
Which banks work – and where (yet) does not work
The good news first: According to the developers, more than 3,000 banks are supported worldwide – and in Austria there are many big names on board:
Not everything runs smoothly. Some providers like Card Complete or Renault Bank Austria cannot be connected at the moment.
And even with supported banks, there are often delays or dropouts, especially with credit card sales. Some users have to reload their sales regularly – not exactly comfortable for an app that actually stands for “automatically and simple”.
Supported and not supported banks in Finanzguru Austria (as of 2025)
What do people say who are already using it?
The reviews in the Play Store fall with round 66 % positive votes (4 stars and more) Overall okay – many praise the clear surface and the contract feature.
But it is boiling under the surface: Some users report on Reddit and Co. Accounts at the Erste Bankafter they had linked Finanzguru to the account. The suspicion: banks are sensitive to external access – despite PSD2.
And then there would be the data protection question. Around 42 % of Reddit users express concernsto leave your complete financial history of an app based on a commercial model. The alternative that is often mentioned: Firefly-IIIan open source tool that is operated locally on your own server-for everyone who likes to have it under their own control.
Our assessment of Finanzguru: Use useful tool with common sense
Finanzguru is doing a good job in Austria.
If you no longer want to juggle your finances in tens of banking apps, Excel tables or with the calculator, you get a central, clear dashboard here. Especially for people with several accounts, insurance and ongoing contracts, the app can take a lot of work in everyday life – whether the budget book, contract terminations or the automatic categorization of expenses are concerned.
Important from our point of view: We have ourselves No broker mandate signed and recommend that you always get into one with insurance issues Independent brokers to turn. Finanzguru is not a consultant, but a tool – and it is precisely in this role that it does a strong job. For everyday financial organization: very helpful.
For individual contract advice: prefer external rules.
Free or subscription-is the plus version worth it?
Finance guru works with one Freemium model: The basic version is free and ranges for entry. Whoever wants more – about Data exports, detailed analyzes, personalized savings tips – pays € 2.99 per month. Is that worth it? Depends on the claim. If you really want to actively control your finances, you get with the Plus variant of Finanzguru More scope.
If you just want to see whether the Netflix subscription was debited, you can easily get along for free.
But be careful: the app also deserves over CommissionsIf users z. B. complete new accounts, insurance or energy contracts via the app. And here it becomes critical: the cheapest product is not always recommended – especially with electricity tariffs, there were complaints about sometimes expensive suggestions.
How about certainty and data protection?
Yes, finance guru is PSD2 certifieduse End-to-end encryption And does not access your login data directly. As soon as you link your accounts, sensitive transaction data are with a third -party provider – the operator is the DWINS GmbH in Frankfurt.
And what happens when the bankruptcy go or bought? This is exactly one of the biggest criticisms: Data sovereignty remains a risk.
There is also No desktop version – What makes backups, archiving or long -term control significantly more difficult.
What is going on on the market right now?
Despite teething problems, the potential of Finanzguru is there in Austria. The developers want:
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Integrate further banks (including Renault Bank Austria)))
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her Improve AI systemsto deliver even more precise analyzes
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on upcoming EU requirements for Open banking interior operability react what could reduce technical hurdles in the future
The demand for automated financial control is available-especially among the younger target group, which does not feel like excel tables.
Conclusion: For many a practical companion – but not without weaknesses
Finanzguru Austria is a clever tool with a large range of functions that can actually deliver added value in everyday life. Especially if you juggle many contracts, want your budget under control or just need an overview of all accounts.
Technical gaps, lack of exports in the free version and data protection questions cannot be dismissed.
If you want maximum data protection and don’t feel like advertising or uppers, you are with an open source solution like Firefly-III better advise.
But if you want to bring order to your finances as simple as possible-and do not change the tariff at every recommendation-you will find a solid digital financial cockpit in Finanzguru. As always, the key lies in balance: comfort yes – but not blindly trust.