TEO - Das neue Multibanking

Use all multibanking functions with the free and secure finance app and benefit from contract managers, insurance managers and attractive TEO Plus offers.

TEO finance app - reliable online banking including multi-banking, contract manager and attractive TEO Plus offers.

• Multibanking for almost all banks in Germany
• All common online banking functions such as turnover overview, transfers, standing orders
• Integration of the depots from MeinInvest, VermögensPlus and UnionDepotOnline
• Integration of easyCredit
• Cooperation with some Sparda banks for extended online banking
• Contract and insurance manager with termination alarm
• Financial weather, virtual savings boxes, discounted and attractive partner offers
• Excellent security and data protection standards
• TÜV-approved app for security requirements

ONLINE BANKING INCLUDING MULTIBANKING AND INTEGRATION OF DEPOTS
• TEO offers familiar online banking functions in one place
• Multibank financial overview of all accounts
• Transfers with the usual release procedure
• Photo and QR code transfers
• Financial overview of integrated depots

HOMEPAGE WITH CUSTOMIZABLE TOTAL BALANCE
The start page contains a total balance of all integrated accounts selected by the user. Below this are the individual balances of the integrated account types (current, investment, credit accounts and credit cards).

COOPERATION WITH SPARDA BANKS AND ADDITIONAL FUNCTIONS
The Sparda banks in Augsburg, Baden-Württemberg, Munich and Nuremberg cooperate with TEO. In this way, they can provide their customers with additional online banking functions and information, such as a contact center, direct debit return, mailbox, appointment scheduling, push notifications for account movements.

CONTRACT AND INSURANCE MANAGER
The contract manager automatically recognizes current contracts and lists them clearly. Additional contracts, notice periods and a notice alarm can be added manually. The insurance manager helps to keep an overview of the insurance policies taken out and their monthly costs. These can be optimized with useful insurance offers and tips. With the contract check in TEO, contracts can be easily compared.

FINANCIAL WEATHER
With the financial weather, the financial future is never uncertain again. On the basis of recurring income and expenses and taking variable payments into account, you can receive forecasts about the account balance at any time. The next 1-13 months can be reliably predicted.

SAVINGS BOXES
The TEO Sparboxes make saving for new wishes easier and simpler than ever before. The number of Sparboxes is unlimited and they can be named individually. In this way, savings are made in a targeted and automatic manner for the next request. And best of all: The money stays in the account the whole time - because with TEO it is only put aside virtually.

TEO PLUS
With TEO Plus you can optimize finances and reduce everyday expenses. In the “Partner Offers” category you will find suitable savings and value-added offers. In addition to a large selection of partner offers, (value) vouchers can also be purchased at a reduced price. The "Financial Products" category offers selected financial and insurance products for individual needs and circumstances. In addition, editorial and informative contributions invite you to read and discover.

DATA SECURITY
TEO attaches great importance to the protection and security of data. TEO does not store any sensitive payment information on the end device - this is reloaded in encrypted form with every login. TEO is protected by security measures such as firewalls, SSL protection and authentication processes.

TEO can be used from the age of 7. Users under the age of 16 require the consent of a legal guardian to create a TEO account.