bonify Bonitätsmanager

Boost your finances and credit rating with bonify. You can:

- view your SCHUFA data for free (score, entries, inquiries),
- Be informed of new SCHUFA entries.
- You can analyze your financial fitness and
- benefit maximally from your creditworthiness.

There is much more possible! Start improving your financial life.

As your all-in-one credit and finance manager, bonify is always at your side. Check your finances, improve your credit rating and get help saving. With bonify you get offers that are tailored to your financial situation and can therefore save more effectively.

The bonify app at a glance:

FREE: The download and the core functions (SCHUFA insight, credit check, FinFitness and individual product offers to match your credit rating) are 100% free.

SCHUFA data insight: Your creditworthiness is crucial for every rental, cell phone and loan contract. It even plays an important role when purchasing on account. Check your original SCHUFA data directly in the app. Score, entries or who last asked for your data. Improve your score with numerous tips and benefit from the best contract conditions.

CORRECT CREDIT ENTRY: Found an error? With bonify you can have incorrect or outdated credit entries corrected directly in the app. Simply click on “Report Error”.

NOTIFICATION OF NEGATIVE ENTRY: If you receive a new negative entry at SCHUFA, bonify can notify you within 24 hours. This way you don't miss the new 100-day rule from SCHUFA and you might get rid of your entry twice as quickly.

FINFITNESS: Keep your finances fit! Our unique feature ensures that your finances get a workout. When calculating FinFitness, your household surplus, savings, chargebacks and employment status are relevant.

DIGITAL CREDITS: Would you like to apply for a loan and process it completely online, without any paperwork and in just a few minutes? With the fully digital loan, this is now possible in the app. Digital loan offers that 100% suit your financial situation.

INDIVIDUALIZED PRODUCTS: No matter whether loans, current accounts, credit cards, insurance, gas or electricity, with bonify you receive product offers tailored to your creditworthiness and financial situation.

TENANT INFORMATION & SCHUFA credit check: bonify's tenant information saves you time and effort. You will receive a completed tenant self-disclosure, confirmation of your rent payments, credit report and proof of income in one document. You can download this directly or put it in your wallet (optional).

BONIFY MASTERCARD-GOLD (optional): With the bonify-MasterCard Gold, which you can optionally apply for in the app, you receive a fee-free credit card.

SECURITY: Our data protection is TÜV verified and bonify is licensed by the Federal Financial Supervisory Authority (Bafin). We ensure security through high-security servers and data encryption.

ALWAYS BETTER: We at bonify are constantly working to make using bonify even easier and more beneficial for you. You can look forward to regular updates from our developers.

bonify – your creditworthiness and finance manager.

General terms and conditions of Forteil GmbH https://www.bonify.de/agb
General terms and conditions of Forteil GmbH for IdentProtect https://www.bonify.de/agb-identprotect
Data protection of Forteil GmbH https://www.bonify.de/datenschutzerklaerung