Welcome to M&T Money Smart

M&T Money Smart™ lets you keep track of your finances through an easy-to-use dashboard where you can customize your budget, set goals, track spending and more.

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M&T Money Smart is a complimentary service.

Money Smart is available to current M&T customers with an  M&T Online and Mobile Banking account. Simply log in to your account and select Money Smart for the services menu to enroll today. It's that simple.

Better financial management tools are here.

See what unique insights you can discover about your personal spending habits with this robust dashboard view of your finances.

Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.

New! Use the newly released Cash Flow feature to see your daily spending power.

This tool allows you to view your predicted daily balance for the next month based on recurring deposits and payments like rent and paychecks.

All of your accounts in one place.

Combine non-M&T financial account(s) like Venmo, PayPal, Acorns, and other bank accounts with your M&T Account(s) to view them all in one location.

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Plan your budget and track spending at-a-glance.

Create a budget and quickly see where every dollar is going, so you’re not caught off guard by an upcoming payment.

View Budgeting Demo >

View Spending Demo >

View Transactions Demo >

View Trends Demo >

Forecast debt payoffs.

Pay off debt sooner than you thought was possible with debt forecasting assistance.

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Set goals to prepare for a better future on your own time.

Create custom goals for your accounts so that you’re prepared for an emergency or that well-deserved trip.

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Get enrolled today.

Take advantage of our new complimentary money management tool. Log in to Online Banking or our mobile app and select Money Smart from the Services menu.

Enroll Now >

View Demo >

Android™ OS version 4.0.3 and later. Apple iOS version 4.0 and later.

 

FAQs - Money Smart

Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking. View the M&T Digital Services Agreement for additional details.

To enroll in M&T Money Smart, log in to Online or Mobile Banking and select M&T Money Smart from the Services menu. From here, you’ll be able to enroll, then launch the dashboard.

Go to Demo >

No. There’s no charge for M&T customers to use or enroll in Money Smart. However, data charges may apply.

To add external accounts in M&T Money Smart, you’ll need to have all of your external login information handy. Log in to Online or Mobile Banking, then select Menu > M&T Money Smart > Add an Account.

Go to Demo >

When first getting started, most transactions will automatically be assigned a category. For those that aren’t categorized automatically or to change a category, select the individual transaction within the M&T Money Smart Transactions page, then select Category > Select a Category.

You can customize the categories according to your personal spending habits, including auto & transport, bills & utilities, entertainment, etc.

You can schedule one time or recurring transfers between your M&T accounts or pay your M&T Loan by tapping on the Menu icon on the top left and selecting Schedule a Transfer under the Transfers menu. If you are paying your M&T Installment Loan from an External Account, go to your Installment Loan Account Details in the mobile app and select Pay Now. You will then have the option to Pay From An M&T Account or Pay From An External Account.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.