If you think you might have overlooked something, you can do a quick search for the tag name, which should highlight those transactions that haven’t been tagged yet. While Mint seems basic on the surface, there are tons of ways you can use it to get a more complete picture of your finances. Instead of visiting multiple sites to check your bank account or credit card balances, you can view everything at once using this free app. We also have routine security audits where so-called “white knight hackers” try to break into our system — they’ve never been successful. If that were to happen, then your personal information might be at risk, but so far, there’s no record of it being attempted. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). As you spend your cash, you can split up the transactions to reallocate the money to your various budget categories. From that perspective, Mint looks pretty appealing. To make the most of the interface, it’s best to link at leastto your primary checking account. It doesn’t seem to be a native app developed for phones, rather a web app in a app wrapper. Personal finance apps like Mint need your login user name and passwords to organize and manage your accounts. You can also enable Touch ID if you choose. Apps like Mint ask you to plug in your banking information so the program can keep track of your expenses and overall balance to make a budgeting plan. How Mint Security Protects Your Information. Mint has a two-factor authentication process so it makes it hard for people other than you to access your data. Millions of Americans use free personal finance apps like Mint.com to track their spending, but many people still have reservations about whether it’s safe to link bank accounts with online budgeting tools. Once you change the URL, you just hit enter to refresh the page and display the transactions for the dates you’ve selected. There’s the possibility that Mint could be held liable for your information being stolen but since there haven’t been any breaches reported to date, there’s no way to know how the situation would pan out. And if you’re a cash budgeter? Trust and Credibility. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. Rocket Mortgage is now integrated into the app. Is the Mint App Safe? Then, you just alter the date of the ATM transaction to the last day of the month, so you’ll always know how much cash you’ve got on hand. In Mint’s case, it definitely has to be the former. One of the nice things about Mint is that it’s an all-in-one financial tool, which means you can use it to monitor your spending, keep an eye on your credit card balances and see how your different investment accounts are doing. The reason people like Mint is because it allows you to see all of your financial details in one place. Notices: Welcome to LinuxQuestions.org, a friendly and active Linux Community. the mobile app We safeguard Mint with your own 4-digit code so only you can view your account. One thing you need to keep in mind when using Mint is how it affects your fraud protection with your bank. Aaron Patzer, from Mint.com, said the site protects user names and passwords with the same level of security as a financial institution. YNAB review: Is this budgeting app better than Mint? This will keep Mint from updating the account from that point on, but you won’t lose any of your previous transaction information. The main concern with this is that “Mint makes it so I don’t have to go to the individual bank sites,” said Ranta. The Times story concluded that Mint is safe—for the most part. After you’ve linked your accounts, you can use Mint to track your budget, creating savings goals, and get alerts on your spending. Mint will never sell it to someone. Clark says there’s no such thing as a hack-proof website, but he’s still a fan of Mint.com: I’m asked repeatedly about Mint, how safe is it? All you do is create a tag to identify those expenditures that have been verified, like “Accepted,” “Noted,” “Seen,” whatever is easiest to remember. Get free money tips delivered to your inbox daily! Walnut only reads business and transaction messages. It also comes in handy if you need a way to verify transactions without having to sort through a stack of receipts. To take the position that Mint.com is safe because the technology behind it as secure as other online banking would be short-sighted, as it doesn’t consider additional factors. But, honestly, the more accounts you link it to, the better. Especially compared to other personal finance apps in the market like Spaceship Voyager. Take charge of your finances with Mint’s online budget planner. Of course, Mint’s founder was emphatic about the site’s safety. User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. Acquired by Intuit in 2009, this app has continued to improve over time, but it faces some pretty high end and more modern competition today. Launched in 2006, Mint was one of the first online financial applications to automatically sync with your bank and other financial institutions. Just be sure you’re updating your information on Mint when you make these updates to ensure that your accounts are syncing properly. If you ever need to verify a transaction down the road, you won’t be able to access that history. Mint is a great tool to use if you’re looking at ways to improve your financial management. © 2020 Clark Howard Inc. By using this website, you accept the terms of our Visitor Agreement and Privacy Policy, and understand your options regarding Ad Choices. For example, say you take out $100, for example, and spend $30 of it at the grocery store. Is the Mint App Safe? To further strengthen your passwords, you can try setting passwords that are long and contain a mixture of numbers and characters. One of the most irksome is the ability to automatically sort your transactions by date. Understandably, the Equifax data breach … If you’re thinking of signing up for a Mint account and you’re worried about a security threat, you should check with your bank first to find out what the consequences would be if your cyber thieves make off with your information. For someone who wants to stay plugged into their finances and goals with little daily effort, this tool is a great find. To get information for a specific date range, all you have to do is alter the URL a little by adding a start date and end date. With Mint, you can: SEE EVERYTHING IN ONE PLACE Mint is a budgeting app, bill tracker, and financial planner all in one. For example, you can view a breakdown of your spending trends for the current month but cannot change the time frame to view a previous month. Mint tends to make recommendations that give them a large commission as opposed to ones that are best for your specific situation. This can be done either through your email or phone. The app uses several advanced security features, including multi-factor authentication and TouchID for account access. If you want to be able to track your cash spending without having it wreak havoc on your budget set up, there’s a pretty simple solution. Mint is safe to use, however I recommend throughly evaluating any of the outside offers they recommend you. However, think these facts: 1. On the other hand, you are taking a gamble by sharing your financial information, so you have to ask yourself whether you’re willing to accept the potential risk in exchange for the convenience that Mint offers. If your account terms and conditions prevent you from sharing your username or password with a third-party site, you may end up being held responsible if someone is successful in compromising your Mint account. Yes. If you use it to manage your finances, you may be wondering: Is the Mint app safe and secure? The longer Mint is around, the more accounts and types of ac… Mint can still help you. Our free budget tracker helps you understand your spending for a brighter financial future. When you consider the kind of information a hacker would be able to see if they were able to access your account, it’s much less than what they’d get if they managed to hack your bank or credit card’s website directly. User Name: Remember Me? For added security, Mint recently rolled out the Touch ID sensor for iOS that reads your fingerprint and automatically unlocks your phone, allowing you quick access to the Mint.com app. The sooner you know about things like this, the faster you can take care of them and get your accounts back in good standing. If someone were to get their hands on your Mint login, all they’d be able to do is view your balances and transactions. Mint is one of the best and most popular personal finance apps on the market. Is Mint.com Safe? As such, it doesn’t take your security lightly. Update: There’s a new Chrome extension downloadable to Chrome users, which allows you to easily choose a date range for your Mint transactions list. Whether or not you’re using a personal finance app like Mint, you should always be changing your bank and credit card passwords on a regular basis. For instance, you can see what your 401(k) or IRA is worth and even backtrack to gauge their performance over time. Mint is verified by VeriSign and uses multi-factor authentication to keep your data safe. 5 Best Credit Score Monitoring Apps of 2021. “Login user name and passwords are stored securely in a separate database using multi-layered hardware and software encryption,” Mint said on its security FAQ page. Over the 4+ years we have used Mint, they’ve broken from time to time as banks have updated their websites, but generally speaking the integrations are good. Is Mint safe to use? Mobile app: The bulk of Mint’s users are on mobile, and the service’s mobile apps (the overall app and Mint Bills for payments) are suitably strong. Your full account numbers aren’t displayed, nor are your bank account or credit card usernames and passwords; the only thing that would be visible would be your email address. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. You can apply, lock-in and find the best mortgage rates through Mint. That means we have the same level of encryption your bank does, along with outside third-party verification through Verisign and Hackersafe. Mint has a website and a phone app, which means you can manage your money at home or on the go. The company behind the app Money states that it uses multi-level security mechanisms, including firewalls and VPN to protect the data it collects. Now, to understand the tips and tricks on how to use. Quick answer: Mint uses bank-level encryption and monitoring through various 3rd parties companies for read-only access to your financial accounts. Mint App Manager--Is It Safe? Always update your bank/credit card passwords, Don’t use Mint over unknown Wi-Fi services. What Details Could Hackers Actually Get their Hands On? As mentioned earlier, it has a 4.7-star rating (out of 5) in the App Store. 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