![]() So for people who still pay for a lot of stuff and services in cash, this feature is a must to track your spendings precisely and see where your money goes. One of the new features I personally really like is the splitting of ATM withdrawals: it lets you split your cash expenses into different spending categories.įor example, if you withdraw 50 EUR from an ATM and spend 20 EUR on food and 30 EUR on transportation you can split that 50 EUR transaction and add the matching categories accordingly (entertainment and mobility). ![]() Via Zuper app you can send money in just a few and easy steps without any provision.Īdditionally, users can create personalized budgets and track all changes which are happening on their bank accounts. That is enabled thanks to the machine learning techniques, which guarantees accuracy above 90%. Transaction categorization is entirely Zuper’s job. Automatically categorizing expenses means you don’t have to add tags to your spendings manually. Your income and expenses are automatically categorized, which is one of the differences to similar apps. When a user connects bank accounts within the app, Zuper does all the hard work for them. Zuper is connected to all major banks in Germany and Austria, with plans to expand to more European countries. It is free and available in Germany and Austria for iOS and Android devices. The Zuper app is providing a money management platform that allows users to visualize spending, learn about finance and discover critical financial opportunities. Meet the Zuper App - One App for all your Bank Accounts In this article, I will present and compare some PFM tools which are recognizable as the best and most popular among German users. They differ in the way they have been created, the technology they use, and the methods they use to help their users achieve their financial goals. Not all PFM tools are created in the same way. They allow users to aggregate financial transactions in one place and then use that data to manage and their money and optimize their spending habits. PFM tools often include data visualizations such as spending trends, budgets, and net worth. ![]() Today, when everything is personalized, users want to have a clear and bright picture about their own finances. With PFM tools users can categorize their transactions and add accounts from multiple financial institutions into a single view, to see their financial status without going to the bank. Personal financial management tool (PFM tool) is a term related to the tools whose primary aim is to help users manage their money. What is PFM and why do you need a PFM tool? This is also supported by the fact that in Germany smartphone users spend about 1.37h on a daily level checking their phone.īut there are a lot of perks the digital era brought that are related to keeping track of your finances, and one of them is the occurrence and popularization of personal finance management tools (PFM tools). For example - do you know that millennials look at their phone more than 100+ times a day? Almost 40% of them who participated in a survey related to smartphone addiction claimed that they interact more with smartphones than with lovers, parents, friends, children or co-workers. Personally, I was surprised with some data which confirm a very high level of smartphone addiction. And it is not an encouraging answer since finances are a critical aspect of life. But how much time do we spend on thinking about our finances? I’d say - probably not that much time. We use our phones to check emails, social media profiles, read the news and send SMS messages. ![]()
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