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Targobank — German consumer-finance focused retail bank owned by Credit Mutuel, headquartered in Dusseldorf, supervised by BaFin.

HQ
Dusseldorf
Customers
3.6M+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Targobank current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Targobank are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Targobank account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • REWE
  • EDEKA
  • Aldi
  • Lidl
  • MediaMarkt
  • Saturn
  • Deutsche Bahn
  • Amazon

Detected subscriptions

  • Netflix
  • Spotify
  • Disney+
  • DAZN
  • Telekom
  • Vodafone Deutschland

  • How much sits across my Targobank Girokonto, Tagesgeld and credit card today?
  • Compare my Targobank credit-card spend at MediaMarkt and Saturn with last quarter.
  • List every recurring Telekom and Vodafone payment on my Targobank account.
  • What's my next Targobank credit-card instalment due?

Does Bank AI move money on my Targobank account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Targobank. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Targobank app.

How does Bank AI connect to Targobank?

Targobank exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Is Targobank the same as Credit Mutuel?

Targobank is owned by Credit Mutuel and operates under a German banking licence with BaFin supervision. Bank AI reads each one as its own connection so a Targobank account and a Credit Mutuel France account stay distinct.

Does Bank AI surface my Targobank credit-card balance?

Yes. Targobank credit cards are read as their own facility, with statement balances, available credit and the next direct-debit settlement date surfaced. Targobank's flagship instalment-credit-card product is read identically to a normal revolving card.

What about my Targobank Tagesgeld and Festgeld?

Tagesgeld and Festgeld balances are read as distinct sub-balances under your Targobank connection, with rates and maturities surfaced where exposed.

What happens if Targobank raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Targobank-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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