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TEO - Das neue Multibanking

August 11, 2024

More About TEO - Das neue Multibanking

Mit der kostenlosen und sicheren Finanz-App alle Multibanking-Funktionen nutzen sowie von Vertragsmanager und Versicherungsmanager profitieren.
TEO Finanz-App - zuverlässiges Online-Banking inklusive Multibanking, Vertragsmanager und Versicherungsmanager.

• Multibanking für nahezu alle Banken in Deutschland
• Alle gängigen Online-Banking Funktionen wie Umsatzübersicht, Überweisungen, Daueraufträge
• Integration der Depots von MeinInvest, VermögenPlus und UnionDepotOnline
• Einbindung von easyCredit
• Kooperation mit einigen Sparda-Banken für erweitertes Online-Banking
• Vertrags- und Versicherungsmanager mit Kündigungswecker

• Finanzwetter, virtuelle Sparboxen
• Ausgezeichnete Sicherheits- und Datenschutzstandards
• TÜV-geprüfte App für Sicherheitsanforderungen

ONLINE-BANKING INKLUSIVE MULTIBANKING UND EINBINDUNG VON DEPOTS
• TEO bietet bekannte Online-Banking Funktionen an einem Ort
• Multibanking-Finanzübersicht über alle Konten
• Überweisungen mit gewohntem Freigabeverfahren
• Foto- und QR-Code-Überweisungen
• Finanzübersicht über eingebundene Depots

STARTSEITE MIT PERSONALISIERBAREM GESAMTSALDO
Die Startseite enthält einen aufsummierten Gesamtsaldo aller eingebundenen und vom Nutzer ausgewählten Konten. Darunter finden sich die einzelnen Salden der eingebundenen Kontenarten (Giro-, Anlage-, Kreditkonten und Kreditkarten).

KOOPERATION MIT SPARDA-BANKEN UND ZUSÄTZLICHE FUNKTIONEN
Die Sparda-Banken Baden-Württemberg, München und Nürnberg kooperieren mit TEO. So können sie ihren Kunden weitere Online-Banking Funktionen sowie Informationen zur Verfügung stellen wie z. B. Kontakt-Center, Lastschriftrückgabe, Postbox, Terminvereinbarung, Push-Nachrichten für Kontobewegungen.

VERTRAGS- UND VERSICHERUNGSMANAGER
Der Vertragsmanager erkennt automatisch laufende Verträge und listet diese übersichtlich auf. Manuell können weitere Verträge, Kündigungsfristen und ein Kündigungswecker hinzugefügt werden. Der Versicherungsmanager hilft dabei, einen Überblick über abgeschlossene Versicherungen und deren monatliche Kosten zu behalten. Diese können durch nützliche Versicherungsangebote und Tipps optimiert werden. Mit dem Vertragscheck in TEO lassen sich Verträge einfach vergleichen.

FINANZWETTER
Mit dem Finanzwetter ist die finanzielle Zukunft nie wieder ungewiss. Auf Basis wiederkehrender Einnahmen und Ausgaben und unter Berücksichtigung variabler Zahlungen erhält man jederzeit Prognosen über den Kontostand. Die nächsten 1-13 Monate können so zuverlässig vorausgesehen werden.

SPARBOXEN
Die TEO Sparboxen machen das Sparen für neue Wünsche so unkompliziert und einfach wie noch nie. Die Anzahl der Sparboxen ist unbegrenzt und sie können individuell benannt werden. So wird gezielt und automatisch auf den nächsten Wunsch hin gespart. Und das Beste: Das Geld bleibt die ganze Zeit auf dem Konto – denn mit TEO wird es nur virtuell zur Seite gelegt.

SICHERHEIT DER DATEN
Bei TEO wird höchsten Wert auf den Schutz und die Sicherheit der Daten gelegt. TEO speichert keine sensitiven Zahlungsinformationen auf dem Endgerät – diese werden bei jedem Login verschlüsselt neu geladen. Dabei ist TEO durch Sicherheitsmaßnahmen wie Firewalls, SSL-Schutz und Authentifizierungsverfahren geschützt.

TEO kann ab dem Alter von 7 Jahren genutzt werden. Nutzer unter 16 Jahren benötigen für die Erstellung eines TEO Accounts das Einverständnis eines Erziehungsberechtigten.

Latest Version

Version
1.21.0
Update
August 11, 2024
Developer
COMECO
Apps
Finance
Platforms
Android
Downloads
457,325
License
Free
Package Name
com.comeco.teo
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User Reviews

Calliope Zakos

1 year ago

Impossible to connect an account, most frustrating service ever

simone rumpf

1 year ago

Super bank app. Sehr zufrieden

Hussein Abboud

4 years ago

Update 17.05.2021 An absolutely horrendous application, and now the website is as bad as the app. Searching through the bank transfers not functioning. Printing bank transfers not possible. Update 01.10.2020 in what IT university did they say, update your app in prime time at 11:00 AM? 3 Months now.... getting worse not better. ##### This App needs to get better fast. I am forced to use it. It is buggy and slow. Way too many features that all seem to have the goal of collecting information.

Leon Ferro (Leon el Panda)

5 years ago

Had some hopes with this app. But again, doesn't show pending transactions nor the actual balance. Anything paid by card won't show up because is pending, hence Balance you see doesn't equal the actual money available. Also the Merchant name inside that rounded box, gives the impresion that can be edit. Looks like an input field. If you change to table view, have the Merchant name twice. Sadly there's no decent App out there that's able to show exactly what you have. This one isn't the exception, but I guess it comes down to Germany living in 1990 when it comes to banking.

Nikolaus Guskow

2 years ago

Complete joke from the start, by now somewhat finished. Still problems with Enpass (other password managers probably as well) & u also can't paste into the password field, so no way to login on mobile devices properly.

Rami Tounsi

4 years ago

Very poor quality app. All it does is try to advertise you and give you coupons. Something must be up with the servers tonight, because I can't see my transactions right now. I'm seriously thinking of leaving this crumbling bank altogether, and this new car-crash of an app migration is the last nail in the coffin.

Thomas Bernthaler

4 years ago

It's ok APP, and it works fine for me so far. However, my bank forces me to use a 3rd party APP seems really bad for me. (I was told that I cant communicate with the bank anymore, and the "Postfach" will be deactivated. It will be seen what this COMECO company does with the data. All in all, I do not feel comfortable dealing with a 3rd Party on my bank info. It will be seen who is responsible now for hacked data or errors. Now there is the potential for the bank to accuse the app and visa versa, in the end the customer has the issues. I believe it's time to change to a bank that does take responsibility to make its own app.

Elias Geiß

4 years ago

Only used it for an hour now, and it's working mostly fine, however the Contract Manager doesn't seem to work for me at all, the Ads and "News Stories" (basically also ads) are annoying and as far as I can tell there is no option for 2FA, which IMO is a must for a Banking App!

Paul Garton

3 years ago

This app is a disgrace. I want to view my accounts, not get ads for some vouchers. I keep getting connectivity errors too now and why do I need an outlook on my account status that I cannot remove? This app is making me want to switch to a different bank. I dread to think how much this app cost when there was already perfectly functional one available

Paul alting van geusau

4 years ago

Why upsetting so many users with TEO? Apart from the initial software stability problems which appear to have been taken care of, mostly the insufficient overview and the many further applications and the advertising were addressed. Why is it not possible to allow the user to keep only the applications he wants to use, as is possible with a number of them? Not only occupy these applications a greater part of the screen they clearly give rise to frustration to people who will never use these applications or are even hostile about them. Moreover, some of these applications still do not work well. The option of deleting would give more space for a better overview, for example why is the IBAN no longer present? A 60 mil€ investment (if I should believe the papers) should give sufficient space for further development with a view of addressing the assessments of the users.

Felipe Pino

5 years ago

Disastrous!! Conclusion: I will change bank. (Currently Sparda Bank) I cannot see my historical bank transfers. I can only see the current year. The old app was way better!. These guys only want to sell services and gather information. --- DE --- Ich werde die Bank wechseln. Ich kann meine historischen Überweisungen und Bezahlung nicht sehen! Ich kann nur das aktuelle Jahr sehen. Die alte App war viel besser. Sie möchten nur Dienstleistungen verkaufen und Informationen sammeln.

Peter Raab

3 years ago

Adding Bank Account Sparda BW not possible. Latest version installed. Authentification was successfull. Than error. Option to call 24 / 7 h support. Number doesn't exist! With other accounts I have regularly the effect to be kind of not available. Have to re-add the account. All in all it takes much more time to use TEO than other banking adds.

Claudio Salvatore

4 years ago

Slower and more dysfunctional than the previous Sparda app, but most of all it is so full of advertisement and useless information that it is annoying to use ! It would be so much better if they simply got rid of all the useless junk and concentrated on streamlining the user interface. Compared to other banking apps it is very poor.

Claire Thornewill

4 years ago

This is by far the worst banking app I have ever come across. It is incredibly buggy and it never works when I need it, half the time I cannot even log in, which for a banking app is quite awful. I generally do not find it intuitive and I think the old Sparda online banking was more intuitive because it had less going on, less is more. Honestly, a really stupid move from Sparda to outsource their banking app.

Lindsey Lim

3 years ago

I like the Secure App feature for the 2FA verification. Still a bit cumbersome to do online banking, I still prefer to use the laptop for online transfers. Other than that, the notifications of when a payment comes in and goes out can be quite useful. Room for improvement, it's quite good :)

Gedas Strazdauskas

1 year ago

The final nail in the coffin was Today: I tried to make some QR transfers and the QR reader was zeroing the cent amount. I checked the multiple QRs with a plain text QR rd. app and all they were correct. On top of that the app just does not do the transfer, so I guess this is the way Teo mange to inform the customer that they messed up the QR reader instead of displaying a clear message e.g. "sorry QR transfer is not working", they just dsbl the transfer itself but left the option in.

anonymous anonymous

4 years ago

Much worse than the old sparda app. Buggy I just spent 15 minutes resetting the password and resetting the app when it didn't work and blocked my online account although the correct password was used. Account information such as balances is harder to see on the ad cluttered screen and you cannot make international bank transfers using this app. Any clues how to do that Sparda or do we guess? thanks for the reply but none of the problems have been corrected. I still cannot do international bank transfers. Now the old online banking has been turned off I can no longer make transfers to the UK at all, I asked the bank and they said to use the old online banking (which no longer works). as far as I can see you can no longer get a simple pdf download of your account transactions for the year and can only take screen shots of transactions one at a time. I wish I could give zero stars and am looking into changing my account because this is not acceptable.

Old Shatterhand

4 years ago

Bloated and for a banking account I pay money for unacceptable. I don't think it's too much to expect a clean and simple banking app without advertising for a paid account. I have accounts with other banks that are free and I have no ads in the app. Besides that the app is terrible slow, everything takes more taps than necessary. Will be switching banks.

alex stejar

5 years ago

Not the worst but the previous app was way better. Simple as it should be for a banking app, all the details you needed to know in one place and user friendly for foreigners too. The new app destroys the whole online banking experience. I just need an app to check my balance, pay some bills and confirm an online purchase. The extra sauce isn't that necessary. But yeah we can't do otherwise since this is mandatory.

Dali Jarboui

5 years ago

Update & Response. It's not only one day with problems. The App is very slow, I have to connect and try to login more than one time to be able to go through, very slow to load the details of the bank account. Just hope that thes issues will be fixed in the near future. You can't seriously design an App for net banking that customers have to rely on it to make their transactions.. Very Bad. Frustrating and slow.

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