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o2 Money is a smart financial companion for everyone. The comdirect app gives users an overview of their financial situation by using smart data algorithms to categorize their earnings and spending and identify hidden costs in their personal spending habits. Users gain transparency about their financial situation so they can achieve more financial autonomy. comdirect partnered with Telefonica to develop this mobile banking solution for non-customers that is easy to use and simplifies complex topics. The app combines a native banking app for comdirect accounts with a financial companion that is useable with every German giro account.