To get started, download the app from the App Store or from Google Play. Always update your bank/credit card passwords, Don’t use Mint over unknown Wi-Fi services. 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. Any time a new transaction shows up, you just assign the appropriate tag. Our free budget tracker helps you understand your spending for a brighter financial future. Launched in 2006, Mint was one of the first online financial applications to automatically sync with your bank and other financial institutions. 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. User Name: Remember Me? 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. 5 Best Credit Score Monitoring Apps of 2021. 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. 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. It’s missing a lot of functionality that the full-fledged website has. You can also enable Touch ID if you choose. That means we have the same level of encryption your bank does, along with outside third-party verification through Verisign and Hackersafe. For someone who wants to stay plugged into their finances and goals with little daily effort, this tool is a great find. For example, say you take out $100, for example, and spend $30 of it at the grocery store. Tagging transactions in Mint takes the guesswork out of things like keeping track of your goal progress or grouping expenses for tax purposes. Is the Mint App Safe? This linking enables Mint to update your transactions automatically. are all included here. This will keep Mint from updating the account from that point on, but you won’t lose any of your previous transaction information. Mint will never sell it to someone. You’d go to the original withdrawal, click the “Split This Transaction” button and categorize the money you spent under “Groceries.”. Questions, tips, system compromises, firewalls, etc. 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. 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. If someone were to get their hands on your Mint login, all they’d be able to do is view your balances and transactions. 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. Just be sure you’re updating your information on Mint when you make these updates to ensure that your accounts are syncing properly. Is Mint.com Safe? If that were to happen, then your personal information might be at risk, but so far, there’s no record of it being attempted. 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. When you create an account, you’re able to link all of your bank accounts, credit cards, and investment accounts. Personal finance apps like Mint need your login user name and passwords to organize and manage your accounts. These offers do not represent all deposit accounts available. 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 Humaniti app. This site may be compensated through the bank advertiser Affiliate Program. Mint is safe to use, however I recommend throughly evaluating any of the outside offers they recommend you. How exactly does Mint work? 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. It uses bank-level security and encryption to pull in your transaction data while keeping your information safe. The integrations are easy to set up and fairly consistent. 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. Mint App Manager--Is It Safe? 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. After you’ve linked your accounts, you can use Mint to track your budget, creating savings goals, and get alerts on your spending. It cannot access any login and password details, and is safe 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. 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. Once you change the URL, you just hit enter to refresh the page and display the transactions for the dates you’ve selected. Yes. Trust and Credibility. The online app is complemented by the free Mint mobile apps for iPad, iPhone, Android, and Windows mobile devices. The longer Mint is around, the more accounts and types of ac… Taking everything we’ve outlined into account, Mint is a top choice for a safe, easy-to-use personal finance tool. Walnut only reads business and transaction messages. 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. 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. 1. Mint has a two-factor authentication process so it makes it hard for people other than you to access your data. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. This is the part that gives many pause and we’ll get into more details about it below. RELATED: YNAB review: Is this budgeting app better than Mint? Jul 2, 2019 - Is Mint a safe budgeting app that can help you save money? 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. While Mint offers lots of features and tools to help you manage your money better, there are a few capabilities it lacks. Tweak the dates to track ATM withdrawals and cash. Mint tends to make recommendations that give them a large commission as opposed to ones that are best for your specific situation. If you use it to manage your finances, you may be wondering: Is the Mint app safe and secure? 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. Understandably, the Equifax data breach … You can apply, lock-in and find the best mortgage rates through Mint. 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. Additionally, the information you use to sign in to Mint is stored in a separate database with its own hardware and software encryption. The sooner you know about things like this, the faster you can take care of them and get your accounts back in good standing. 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? “Mint makes it so I don’t have to go to the individual bank sites,” said Ranta. What Details Could Hackers Actually Get their Hands On? 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 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. While it has an advantage in being completely free, does it still stack up against its main competitors? So using my old CBA account I signed up and linked the account so I could try out the app. 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. Specifically, it relies on things like 128-bit SSL encryption and monitoring through third-party sites like TRUSTe and VeriSign. 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. Rocket Mortgage is now integrated into the app. As you spend your cash, you can split up the transactions to reallocate the money to your various budget categories. 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. Frankly, the app is clunky and buggy. First, you assign any ATM withdrawals to the “Cash & ATM” category — that way, they won’t show up in your budget. From that perspective, Mint looks pretty appealing. This makes it easy to track your spending no matter what type of budgeter you are. 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. If you make regular ATM withdrawals or you rely on cash for everyday spending, it can make keeping tabs on what’s going out a little confusing. The app uses several advanced security features, including multi-factor authentication and TouchID for account access. Mint is verified by VeriSign and uses multi-factor authentication to keep your data safe. Mint takes steps to maintain a secure connection, and … 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. Mint: Mint offers its budgeting services free of charge. 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. As mentioned earlier, the Mint app is secure. 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. Additionally, all of your personal information is kept safe. You can submit a question online at Clark.com/Ask. 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. 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. First, Mint has bank-level data security. But, honestly, the more accounts you link it to, the better. And if you’re a cash budgeter? 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. 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. Mint does offer investment tracking and credit score tracking as well. 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. All in all, Mint is like a financial coach in your pocket. 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. Take charge of your finances with Mint’s online budget planner. Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. Basically, that means that instead of the bank covering whatever money the hackers made off with, you’d just be out the cash altogether. And don’t worry. This allows you to record your cash spending without having to worry about it showing up twice in your budget. The reason people like Mint is because it allows you to see all of your financial details in one place. It’s surely safer if you do not give your bank account information to anybody, or even better, not to open any bank account. You can also sign up from the website and use Mint from your desktop computer. Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Notices: Welcome to LinuxQuestions.org, a friendly and active Linux Community. Quick answer: Mint uses bank-level encryption and monitoring through various 3rd parties companies for read-only access to your financial accounts. We bring together your bank accounts, credit cards, bills and investments so you know where you stand financially. Is Mint safe to use? 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 live in an era where no matter what encryption level people are using, whatever security, there are vulnerabilities in the system. Is your information at risk of falling into the wrong hands? A better option if you’re changing your accounts around is to deactivate it instead of deleting it altogether. The Mint mobile app is a good but not great. As mentioned earlier, it has a 4.7-star rating (out of 5) in the App Store. Mint is a popular free online personal finance application from Intuit that offers a variety of easy-to-use financial planning and tracking tools. Now, to understand the tips and tricks on how to use. Mint can still help you. The main concern with this is that She has contributed to numerous online outlets, including U.S. News & World Report, and more. And you’ll want to make sure you’re not using the same password for more than one account. Every time you make a purchase, such as for a latte, you can stand in line waiting and plug the purchase into Mint manually before your latte is even handed to you. Do you need Clark’s help with a money-related issue? 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. Is the Mint App Safe? That way, you don’t have to worry about your regular email getting hit with phishing scams if someone succeeds in getting a peek at Mint’s information. That would require knowing where the servers are located, bypassing the physical security measures that are in place, and cracking the code on how the data is encrypted. Mint app security uses multi-factor authentication and strong encryption to keep your information safe and secure. The Times story concluded that Mint is safe—for the most part. You can even participate in billpay to manage your monthly bills on Mint as well. 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. Mint is the free money manager and financial tracker app from the makers of TurboTax® that does it all. 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. To make the most of the interface, it’s best to link at leastto your primary checking account. Check out these new top banks that people are talking about: Rebecca is a writer for MyBankTracker.com. We also have routine security audits where so-called “white knight hackers” try to break into our system — they’ve never been successful. For instance, you can see what your 401(k) or IRA is worth and even backtrack to gauge their performance over time. Mint is one of the best and most popular personal finance apps on the market. Get free money tips delivered to your inbox daily! Yes. The primary concern for anyone using Mint or a similar service like Yodlee or Wasabe is security. One of the most irksome is the ability to automatically sort your transactions by date. © 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. analyze all the data and make suggestions on how to better optimize and save you money With Mint, you can: SEE EVERYTHING IN ONE PLACE Mint is a budgeting app, bill tracker, and financial planner all in one. 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). Password: Linux - Security This forum is for all security related questions. That’s possible. 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. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. With online synchronization, visual graphics of your accounts, and a mobile app, it offers features similar to YNAB. Mint has a website and a phone app, which means you can manage your money at home or on the go. It does not read personal messages and ignores OTPs. As such, it doesn’t take your security lightly. You can download the extension and learn more about it here. If something happens and your phone is lost or stolen, you can delete your account from another computer or mobile device remotely. Especially compared to other personal finance apps in the market like Spaceship Voyager. First released in 2012, Mint QuickView is a companion app available only for Apple's OS X operating system. When you set up your Mint.com account, it will ask you if you want to link to your bank accounts. You could also read Mint’s terms and services to get the details they provide. It also comes in handy if you need a way to verify transactions without having to sort through a stack of receipts. Mint is a great tool to use if you’re looking at ways to improve your financial management. One thing you need to keep in mind when using Mint is how it affects your fraud protection with your bank. Of course, Mint’s founder was emphatic about the site’s safety. YNAB review: Is this budgeting app better than Mint? 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. She is an expert in consumer banking products, saving and money psychology. It features multi-factor authentication, a four-digit code, and is touch-ID capable, making it extremely difficult to access your information. 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). To help put your fears to rest, we got the inside scoop on the security and logistics of Mint.com. 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. In Mint’s case, it definitely has to be the former. Mint is a free personal finance service that's in a class by itself. the mobile app We safeguard Mint with your own 4-digit code so only you can view your account. If you ever need to verify a transaction down the road, you won’t be able to access that history. And, because Mint is “read-only,” a hacker couldn’t … How Does Mint Free Credit Score Compare to Your FICO Score? Like any cloud service, you should approach it with an understanding that nothing is absolutely secure. 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.”. 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. User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. Their … Understandably, the Equifax data breach in September 2017 has only made people more cautious. 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. Aaron Patzer, from Mint.com, said the site protects user names and passwords with the same level of security as a financial institution. Taking everything we’ve outlined into account, Mint is a top choice for a safe, easy-to-use personal finance tool. “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. Mint was created with your financial prosperity in mind. 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. This can be done either through your email or phone. And, keeping you on the ball all the time, you can sign up for account alerts to find out if you’re nearing budget limits or getting low on your account balances. Mint, which comes from the makers of TurboTax and QuickBooks, also uses multi-factor authentication. To get started using Mint, you must link one or more of your financial accounts. The same is true for mobile devices such as iPhones or Android phones that may have a Mint.com app running on them. No web-based rival provides as comprehensive a collection of tools for tracking your spending, budgeting, and goals. Mint’s parent company, Intuit, has been keeping people’s financial data safe for years. 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. 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. Mint comes with a number of security features that it touts as being on par with what your bank already offers. Because Mint is free, the company makes its money by recommending financial products and through ads. Mint is safe to use. To further strengthen your passwords, you can try setting passwords that are long and contain a mixture of numbers and characters. 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. 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. How it works is you sign up for a free account and then link your bank and credit card accounts by entering your login credentials when prompted to do so. It doesn’t seem to be a native app developed for phones, rather a web app in a app wrapper. 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. How Mint Security Protects Your Information. However, think these facts: 1. Yes. All you do is create a tag to identify those expenditures that have been verified, like “Accepted,” “Noted,” “Seen,” whatever is easiest to remember. Mint is designed to be a read-only service, which means you can’t transfer money back and forth between accounts. As you ask, you probably are in the US or Canada. 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 mobile device is ever lost or stolen, you can delete all your account information remotely. 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. For one thing, you can set up a separate email address to sign up for Mint. 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