O₂ Money is a free smart financial assistant for everyone. With the app, comdirect and Telefónica offer many innovative functions that allow users to keep track of their finances on their smartphones at all times – easy and secure. Based on smart data algorithms, O₂ Money finds hidden costs in personal spending habits. This makes the user more financially independent. The app combines the native comdirect banking app with a financial assistant that is useable with every German current account.