Connect your accounts for a complete view of your finances
With M&T Bank Money Smart™, you can manage subscriptions, see accounts, create budgets, and track progress toward goals.
Find out what’s new with Money Smart
Money Smart helps you manage subscriptions and keeps you in the know about where the money goes -- with a no-cost, clear view of your overall financial health that's backed by a bank you know and trust.
Money management tools built into M&T Online Banking
Manage subscriptions & recurring charges
Take control of recurring costs like subscriptions that can add up fast. Money Smart's complimentary subscription management feature identifies ongoing charges, reviews what they’re paying for, and cancels eligible subscriptions with just a few clicks.
View your accounts in one place
Bring your money into focus. Connect your M&T and eligible external accounts to see more than balances. See a snapshot of your overall financial health, all in one place.
Track spending & categorize transactions
Understand your habits at a glance. A picture of how the cash flows and your financial transactions help reveal small changes that can make a meaningful difference over time.
Create budgets, set savings goals, & manage cash flow
Feel more prepared for what’s next. Build budgets, set savings goals and manage cash flow so you can prepare for upcoming expenses, help avoid surprises, and keep moving toward the moments that matter.
Meet today’s needs & make tomorrow’s plans
Get step-by-step resources tailored to help reach your goals — whether you’re saving for a home, planning for college, preparing for retirement, building a business, or strengthening everyday money habits.
You’ve got questions? We’ve got answers.
M&T Bank Money Smart is a free personal financial management tool available through M&T Online Banking and the M&T Mobile Banking App for M&T Bank customers. It helps you view accounts, track spending, manage subscriptions, create budgets, set savings goals, and monitor cash flow in one place.
No. M&T Bank Money Smart is available at no extra cost for M&T Bank customers through M&T Online Banking and the M&T Mobile Banking App.
Yes. Money Smart identifies recurring subscription charges and manages or cancels eligible subscriptions directly through the app.
Yes. The subscription management feature is included at no extra cost for M&T Bank customers using 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.
Yes, 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.
Yes. Money Smart is available through M&T Online Banking and the M&T Mobile Banking App.
Manage with confidence. Bank with trust.
M&T helps protect your banking experience with encrypted browsing, clear fraud guidance and a commitment to never ask for your credentials or personal information by email.
Have you received a suspicious email claiming to be from M&T? Forward it to phishing@mtb.com.
See what M&T Bank Money Smart can do for you
Log in to M&T Online Banking or open the M&T Mobile Banking App to launch Money Smart and start managing your financial life in one place — at no extra cost for M&T Bank customers.
Ready to get bank on the go?
Download the M&T Mobile Banking app and manage your account your way.
Not a M&T Bank customer?
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