Bonify has made it its mission to holistically improve people's financial lives. Bonify achieves this with technical innovations, data transparency and a willingness to help. On the internet, it is often only the big companies that benefit from user data. Bonify wants to change this and give consumers back control of their data.

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1. who is bonify?

Bonify was founded in 2015 by Andreas Bermig and Gamal Moukabary. It is the platform of the Berlin-based FinTech Forteil GmbH. With bonify, users can check their credit score and creditworthiness data free of charge. Bonify provides information about changes in creditworthiness and helps customers to improve it. This gives them full control over their creditworthiness. The aim of bonify is to "improve people's financial lives holistically".

Andreas Bermig, now the sole Managing Director, says of the philosophy: "Democratization of data simply means that it should be normal these days for everyone to have access to the data stored about them. The data must be transparent. And you need to know what it means for your own life."

Founder Andreas Bermig leads the company as CEO.

2. what does bonify do?

The heart of the bonify app is the "bonify Advisory" financial manager. It allows users to manage and plan their finances. Above all, they can view their credit score and creditworthiness data free of charge. This includes the basic score from SCHUFA, the best score in the credit agency sector, as well as data from Boniversum, the only credit agency to date. The Finance Manager also provides everyone with a clear overview and analysis of income and expenditure. The Finance Manager also provides specific tips on how to improve your financial situation and credit rating. Bonify is available online at and as an app for iOS and Android.

3. what are SCHUFA and bonify up to?

the provider of the bonify platform. SCHUFA is thus pursuing two goals: Firstly, to improve the quality and service of SCHUFA's offering by becoming faster in the development of digital products. Secondly, to increase the transparency of people's data.

The first results are already visible: even before the takeover that gives consumers insight into their data. This is currently being tested with debt counselors. The app enables debt advisors to work with consumers to analyze their debts at a glance and correct them if necessary.

Since November 2024, all SCHUFA data relevant to creditworthiness can be viewed digitally and free of charge at bonify. Users can see which companies have requested information about them from SCHUFA in the past 12 months and what information SCHUFA stores about contracts. This includes, for example, information on existing credit cards, current accounts, current installment loans and real estate loans.

Irrespective of this: SCHUFA and bonify are legally independent companies and act as such. However, there are areas in which we cooperate. We coordinate with each other and use the best capabilities - for example, to speed up free data access via the bonify app.

1 - bonify has its headquarters in Berlin.

2 - There were two founders: Andreas Bermig and Gamal Moukabary. Andreas Bermig is now the sole managing director.

19 - Bonify employees come from so many countries.

80 - 80 percent of users use bonify services on mobile devices.

2015 - bonify is founded in 2015.

2019 - bonify receives BaFin approval as an account information service.

2022 - Schufa Holding AG acquires the Berlin-based fintech company Forteil GmbH, provider of bonify, at the end of 2022.

2,000,000 - That's how many active users bonify has.