Find out what features the global top 100 PFM solutions offer
The PFM benchmark report helps you to compare your bank’s personal finance management offering to competitors and FinTechs. This is a must read for any bank who wants to improve their PFM roadmap.
Comparing the top banks and fintechs in the world
The benchmark includes 100+ money management solutions in Europe, North America and Australia.
Retail Banks
Find out how the top 50 banks in Europe, North America and Australia scores on their PFM offering.
Australia
- NAB
- CBA
- Westpac
- ANZ
Austria
- Erste Bank
- Raiffeisen
- Unicredit
Denmark
- Danske Bank
- Jyske Bank
- Nykredit
- Sydbank
Finland
- Nordea
- OP
- S-Pankki
France
- Société Générale
- BNP Paribas
- Crédit Mutuel
- Crédit Agricole
Germany
- Commerzbank
- Deutsche Bank
- DZ Bank
Netherlands
- ING
- ABN Amro
- Rabobank
Norway
- DNB
- Sparebank 1
- Bank Norwegian
- Storebrand
Spain
- Banco Sabadell
- BBVA
- Santander
- CaixaBank
Sweden
- Swedbank
- SEB
- SHB
- Länsförsäkringar
- ICA Banken
- Klarna
Switzerland
- Zürcher Kantonalbank
- UBS
- Credit Suisse
United Kingdom
- Starling Bank
- Revolut
- Monzo
- Atom Bank
- Barclays
- Lloyds bank
- HSBC
- RBS
- NatWest
United States
- Bank Of America
- JPMorgan Chase
- Capital One
- Goldman Sachs
- Citigroup
- Wells Fargo
PFM Providers and Standalone apps
Find out how the global top 60 PFM providers and standalone apps on iOS and Android scores.
- Acorns
- Asseco
- Bean
- Betterment
- Bill Shark
- Clarity Money
- Cleo
- Credit Karma
- CSI
- Digit
- Dreams
- Emma
- Empower me
- Everydollar
- Finanzguru
- Fintonic
- Fiserv
- FutureAdvisor
- Geezeo
- Hiatus
- Honeydue
- Limitless
- LunarWay
- Meniga
- Minna Technologies
- Mint
- Mobills
- Money Dashboard
- Moneybox
- Moneygarden
- MoneyLion
- Moneythor
- Mono
- Moven
- MX
- Påmind
- Personal Capital
- Plum
- Prism
- Qapital
- Quicken
- Quovo
- Robinhood
- SBDA
- Spendee
- Spiir
- Strands
- Subaio
- The Cash App
- Tink
- Trim
- Truebill
- Urban FT
- Venmo
- Volders
- Wallet
- Wally
- Wealthfront
- YNAB
- Yodlee
- Yolt
- Zlantar
Benchmarking 35+ personal finance management features
Need to know what PFM features competitors are offering? The benchmark covers 35+ types of PFM features in six different categories.
Investment management features
- Investment account aggregation
- Savings goals
- Investment management (e.g., stock trading)
- Open new savings or checking accounts
- Open new investment accounts
- Autonomous savings (incl. round ups)
- Automated stock or bonds management robots
Debt management features
- Loan aggregation and tracking
- Credit score analysis
- Sign up for new consumer loans
- Sign up for new mortgages
- Compare and switch consumer loans
- Compare and switch mortgages
Cash flow features
- Income and spending tracking
- Visualize financial health
- Net worth analysis
Insurance management features
- Insurance aggregation and tracking
- Compare and switch insurances
Retirement planning features
- Retirement account aggregation and tracking
- Retirement plan management
Expense management features
- Aggregation of bank accounts
- Aggregation of credit cards
- Auto categorization of transactions
- Budgeting
- Alerts and notifications
- Money management advice
- Subscription monitoring
- Bill payments
- Transfer of funds
- Subscription cancellation
- Subscription switch or negotiation
- Community comparison or challenges
- Predictive insights
- Debit or credit card management (turn on or off)
- Personalized offers based on transactions
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FAQ
What is personal finance management?
PFM stand for Personal Finance Management and is defined as “digital banking software aiming to help consumers manage their overall financial health“.
Historically, PFM products have been focused on data visualizations such as spending trends, budgets and net worth. The new generation of PFM software makes smart use of artificial intelligence and machine learning that goes beyond static insights.
What is account aggregation?
Account aggregation, sometimes also known as financial data aggregation, is a method that involves compiling information from different accounts, which may include bank accounts, credit card accounts, investment accounts, and other consumer or business accounts, into a single place.
What is PFM 2.0?
PFM 2.0 refers to the next generation of retail banking products. Specifically, it suggests that PFM features should be proactive, automated, personalized, self-learning and predictive.