Mint is a popular free online personal finance application from Intuit that offers a variety of easy-to-use financial planning and tracking tools. 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. Before using your account on any device, you must validate it or else you will not be allowed to access your information. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Yes. Mint was created with your financial prosperity in mind. When you set up your Mint.com account, it will ask you if you want to link to your bank accounts. With online synchronization, visual graphics of your accounts, and a mobile app, it offers features similar to YNAB. When you create an account, you’re able to link all of your bank accounts, credit cards, and investment accounts. What Details Could Hackers Actually Get their Hands On? But what I know is that the power of these tools to help you get your spending under control is so great that I think that power outweighs the risk of the potential vulnerabilities of any financial tool or any site or any app. 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. Mint is the free money manager and financial tracker app from the makers of TurboTax® that does it all. With Mint, you can: SEE EVERYTHING IN ONE PLACE Mint is a budgeting app, bill tracker, and financial planner all in one. 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. are all included here. And you’ll want to make sure you’re not using the same password for more than one account. This linking enables Mint to update your transactions automatically. That means we have the same level of encryption your bank does, along with outside third-party verification through Verisign and Hackersafe. For instance, you can see what your 401(k) or IRA is worth and even backtrack to gauge their performance over time. Money expert Clark Howard frequently gets calls on his radio show from people who want to know if Mint and other budgeting tools are safe to use. If your mobile device is ever lost or stolen, you can delete all your account information remotely. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. 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. It may not be an easy document to decipher, but it’s publicly available on their website and should contain everything you need to know about having an account with Mint. Using a tag for verification purposes makes record keeping easier but it’s also a good idea if you’re concerned about one of your accounts getting hacked. The reason people like Mint is because it allows you to see all of your financial details in one place. https://clark.com/wp-content/uploads/2017/12/clark-budgeting.mp3, The free budgeting tool you probably haven’t tried, Budgeting with cash: How to make the envelope method work, How I saved an extra $1,000 with this simple receipt trick, 12 of the Best Places to Watch Free Movies Online, 4 Things to Know Before You Sign Up for YouTube TV, How to Save $5,000 With the 52-Week Money Challenge, Best Live TV Streaming Services Right Now: Compare Our Top Picks. Rocket Mortgage is now integrated into the app. Frankly, the app is clunky and buggy. For someone who wants to stay plugged into their finances and goals with little daily effort, this tool is a great find. The Times story concluded that Mint is safe—for the most part. Password: Linux - Security This forum is for all security related questions. If a hacker was interested in taking things a step further, there’s always the possibility that they could physically steal the information from Mint’s secure servers – but that’s really a long shot. Do you need Clark’s help with a money-related issue? 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. A better option if you’re changing your accounts around is to deactivate it instead of deleting it altogether. Mint, which comes from the makers of TurboTax and QuickBooks, also uses multi-factor authentication. If you do a tag search and a charge shows up that you don’t recognize, it could tip you off to possible identity theft before the crooks have had a chance to funnel any more money out of your account. Jul 2, 2019 - Is Mint a safe budgeting app that can help you save money? Mint is a great tool to use if you’re looking at ways to improve your financial management. This allows you to record your cash spending without having to worry about it showing up twice in your budget. That can be a real pain if you’re trying to pinpoint a specific purchase or you want to be able to view all of your spending for a particular category over a set period of time. Take charge of your finances with Mint’s online budget planner. 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. Mint: Mint offers its budgeting services free of charge. With a wide range of 100% free budgeting services provided by the Mint app, this software boldly stands out as one of the best personal finance apps to consider using. The app uses several advanced security features, including multi-factor authentication and TouchID for account access. Mint’s parent company, Intuit, has been keeping people’s financial data safe for years. Privacy Policy | Ad Disclosure, How to Switch Phone Carriers (Without Making a Mistake), How to Freeze Your Credit with Equifax, Experian and TransUnion, Best Credit Cards for Saving and Investing Rewards, The 4 Credit Cards in Clark Howard’s Wallet, How to Choose a Credit Card for College Students, Best and Worst Homeowners Insurance Companies, Travel Medical Insurance: What You Need to Know, Long Term Care Insurance: What You Need to Know, 6 Things to Know Before You Start a 401(k), Things to Know Before You Cancel Your Streaming TV Subscription, How to Find the Best Deal on Cheap Internet Service, Free Advice: Clark’s Consumer Action Center, Ask Clark: Submit a Question for the Show, Insert details about how the information is going to be processed. analyze all the data and make suggestions on how to better optimize and save you money However, think these facts: 1. This is the part that gives many pause and we’ll get into more details about it below. Is Mint.com Safe? It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. It cannot access any login and password details, and is safe to use. 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. This makes it easy to track your spending no matter what type of budgeter you are. With so many security breaches making the news, banks are stepping up their efforts to make debit and credit cards more secure but it remains to seen if it’ll be enough to stop hackers in their tracks. Just be sure you’re updating your information on Mint when you make these updates to ensure that your accounts are syncing properly. After you’ve linked your accounts, you can use Mint to track your budget, creating savings goals, and get alerts on your spending. Mint tends to make recommendations that give them a large commission as opposed to ones that are best for your specific situation. Once you change the URL, you just hit enter to refresh the page and display the transactions for the dates you’ve selected. Like any cloud service, you should approach it with an understanding that nothing is absolutely secure. Taking everything we’ve outlined into account, Mint is a top choice for a safe, easy-to-use personal finance tool. The main concern with this is that Any time a new transaction shows up, you just assign the appropriate tag. The sooner you know about things like this, the faster you can take care of them and get your accounts back in good standing. 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. 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. Is your information at risk of falling into the wrong hands? The primary concern for anyone using Mint or a similar service like Yodlee or Wasabe is security. If you end up moving your investments to another brokerage or cashing out one of your accounts, you might be tempted to close it or delete it from Mint altogether, but you shouldn’t be so hasty. Taking everything we’ve outlined into account, Mint is a top choice for a safe, easy-to-use personal finance tool. You can submit a question online at Clark.com/Ask. 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. Always update your bank/credit card passwords, Don’t use Mint over unknown Wi-Fi services. 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. You can do this by going to your Accounts at the top of the page, clicking on the one you want to deactivate and then changing the drop box option to “Closed.”. You can also enable Touch ID if you choose. This site may be compensated through the bank advertiser Affiliate Program. As mentioned earlier, it has a 4.7-star rating (out of 5) in the App Store. Quick answer: Mint uses bank-level encryption and monitoring through various 3rd parties companies for read-only access to your financial accounts. But, honestly, the more accounts you link it to, the better. Personal finance apps like Mint need your login user name and passwords to organize and manage your accounts. The company behind the app Money states that it uses multi-level security mechanisms, including firewalls and VPN to protect the data it collects. If something happens and your phone is lost or stolen, you can delete your account from another computer or mobile device remotely. 1. Mint App Manager--Is It Safe? 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. As such, it doesn’t take your security lightly. It uses bank-level security and encryption to pull in your transaction data while keeping your information safe. While it has an advantage in being completely free, does it still stack up against its main competitors? 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? You can apply, lock-in and find the best mortgage rates through Mint. YNAB review: Is this budgeting app better than Mint? Launched in 2006, Mint was one of the first online financial applications to automatically sync with your bank and other financial institutions. Especially compared to other personal finance apps in the market like Spaceship Voyager. For one thing, you can set up a separate email address to sign up for Mint. You can download the extension and learn more about it here. 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. “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. Aaron Patzer, from Mint.com, said the site protects user names and passwords with the same level of security as a financial institution. To further strengthen your passwords, you can try setting passwords that are long and contain a mixture of numbers and characters. Mint comes with a number of security features that it touts as being on par with what your bank already offers. You could also read Mint’s terms and services to get the details they provide. If you use it to manage your finances, you may be wondering: Is the Mint app safe and secure? The Humaniti app. The same is true for mobile devices such as iPhones or Android phones that may have a Mint.com app running on them. If someone were to get their hands on your Mint login, all they’d be able to do is view your balances and transactions. These offers do not represent all deposit accounts available. First released in 2012, Mint QuickView is a companion app available only for Apple's OS X operating system. It does not read personal messages and ignores OTPs. Their … If you need an easy-to-use tool for tracking your spending and keeping tabs on your budget, Mint.com is an excellent choice (among many other finance app alternatives). One of the most irksome is the ability to automatically sort your transactions by date. Mint takes steps to maintain a secure connection, and … Questions, tips, system compromises, firewalls, etc. Basically, that means that instead of the bank covering whatever money the hackers made off with, you’d just be out the cash altogether. As you spend your cash, you can split up the transactions to reallocate the money to your various budget categories. 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. From that perspective, Mint looks pretty appealing. And if you’re a cash budgeter? 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. Even though Mint’s security seems to be pretty airtight, there are still a few things you can do to make sure you’re keeping your account information as safe as possible. Additionally, all of your personal information is kept safe. The longer Mint is around, the more accounts and types of ac… The catch is that you have to provide the username and password you use for each one, which can certainly make you feel jittery if you’re worried about a security breach. Walnut only reads business and transaction messages. Mint is safe to use, however I recommend throughly evaluating any of the outside offers they recommend you. If you ever need to verify a transaction down the road, you won’t be able to access that history. © 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. Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Tweak the dates to track ATM withdrawals and cash. “Mint makes it so I don’t have to go to the individual bank sites,” said Ranta. To protect your account, Mint suggests that you create strong passwords, never share your passwords, use virus protection and a firewall on your computer, and don’t install programs from unknown sources. For example, say you take out $100, for example, and spend $30 of it at the grocery store. As mentioned earlier, the Mint app is secure. Now, to understand the tips and tricks on how to use. 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. Of course, Mint’s founder was emphatic about the site’s safety. Mint can still help you. Is the Mint App Safe? Any time you delete an account, whether it’s a mortgage, retirement fund or just a checking account, all of the transactions associated with it disappear. Yes. Is Mint safe to use? 5 Best Credit Score Monitoring Apps of 2021. The integrations are easy to set up and fairly consistent. First, Mint has bank-level data security. You can even participate in billpay to manage your monthly bills on Mint as well. You could opt out of tracking the cash altogether by hiding ATM transactions from your budgets but that kind of defeats the purpose of Mint. Get free money tips delivered to your inbox daily! While it would be nice to just be able to click a single button to see your spending by date, this is a fairly uncomplicated fix that works just as well. All in all, Mint is like a financial coach in your pocket. 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. How Does Mint Free Credit Score Compare to Your FICO Score? Is the Mint App Safe? Mint app security uses multi-factor authentication and strong encryption to keep your information safe and secure. Fortunately, there’s an easy work around to view your transactions by date: If you go to the Transactions page, the URL that displays should be: https://wwws.mint.com/transaction.event. In the interview above, Mint’s former VP of Engineering talks about how Mint knows that security is one of the major stumbling blocks for consumers, and how they have tried to overcome that with the highest levels of protection. Here’s 4 basic tips and tricks to get the most out of Mint: Mint is designed to automatically record transactions made with your debit or credit card; anything else has to be entered manually. Finally, Mint offers a chance to plug in spending before you do it so you can see how it will work with your overall financial plan. For instance, if you want to view your holiday spending, you could change the URL to look like this: https://wwws.mint.com/transaction.event?startDate=12/01/2018&endDate=12/31/2018. RELATED: YNAB review: Is this budgeting app better than Mint? Mint also monitors user accounts remotely for unusual spending activity — that means, if something pops up that you didn’t authorize, you’ll receive an alert immediately. Our free budget tracker helps you understand your spending for a brighter financial future. It’s missing a lot of functionality that the full-fledged website has. Specifically, it relies on things like 128-bit SSL encryption and monitoring through third-party sites like TRUSTe and VeriSign. 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. Mint is safe to use. Finally, you should avoid using Mint over Wi-Fi services and you should also be mindful about allowing third-party access to your account through Facebook or other apps. It’s surely safer if you do not give your bank account information to anybody, or even better, not to open any bank account. It features multi-factor authentication, a four-digit code, and is touch-ID capable, making it extremely difficult to access your information. It also comes in handy if you need a way to verify transactions without having to sort through a stack of receipts. Mint does offer investment tracking and credit score tracking as well. To get started, download the app from the App Store or from Google Play. Yes. Notices: Welcome to LinuxQuestions.org, a friendly and active Linux Community. Understandably, the Equifax data breach … No web-based rival provides as comprehensive a collection of tools for tracking your spending, budgeting, and goals. Mint has a website and a phone app, which means you can manage your money at home or on the go. User Name: Remember Me? Once you’ve synced up your accounts using your bank’s login information, you can create a unique PIN to sign into your Mint account. To make the most of the interface, it’s best to link at leastto your primary checking account. How exactly does Mint work? This can be done either through your email or phone. Check out these new top banks that people are talking about: Rebecca is a writer for MyBankTracker.com. Your inbox daily reason people is mint app safe Mint need your login user name passwords... You are Clark ’ s help with a number of security features, including News. 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