NFC Expert Mobile banking options
The application is available free of charge for Android, iOS (separate variants for iPhone, iPod and iPod Touch are developed), Windows.
The range of possibilities is large:
- submission of online applications for banking products (settlement and credit cards, consumer and mortgage loans, deposits, savings accounts);
- appointment of a meeting with a bank representative;
- card management (viewing a list of accounts and cards with detailed information, activation, closing, temporary blocking, reissuing, ordering additional ones, C2C transfers, switching between accounts in different currencies, setting and changing a PIN code, connecting an overdraft and installment plans, and etc.);
- regular payments with automatic settings (loan repayment, fines, taxes and other budgetary payments, utility bills);
- intrabank and interbank transfers (including foreign banks);
- payment for goods and services;
- transaction statistics, viewing statements, spending charts and deposit analysis;
- cashback tracking and management (statistics of bonus points and miles, their exchange for a corresponding reward or compensation for the purchase price, selection of a category with higher percentages);
- replenishment in various ways;
- calling the bank online;
- chat with an employee around the clock (a personal manager is provided for a number of products);
- binding to Google Pay, Samsung Pay and Apple Pay, payment is made using a smartphone, it is not necessary to have a card in hand;
- tracking promotions and personal offers;
- ordering information.
https://www.youtube.com/watch?v=UvNI1VqItsE
The Tinkoff Bank mobile application has a number of features that make it easier to use and save time:
- subscription to payment documents for housing and communal services (Moscow), MGTS, Mosenergosbyt (Moscow) with payment in 1 click;
- subscription to notifications about debts to the Federal Tax Service and the Federal Bailiff Service, payment of taxes and debts in 1 click;
- checking the balance of the Strelka transport card when topping up;
- a selection of restaurants with the highest cashback;
- poster of entertainment events, purchase of cinema, theater and concert tickets;
- Tinkoff Stories with useful information about personal finance and banking;
- “Where’s the kid” option for Tinkoff Junior;
- view the best exchange rates of Russian banks, Tinkoff rates and the Central Bank of the Russian Federation in dynamics;
- search for ATMs and recharge points with the ability to get directions (requires a GPS connection);
- adding cards of other banks for making quick replenishment operations;
- creation of operation templates;
- separate access for holders of additional cards.
The Bank expands opportunities in the field of children’s banking. A functional tool for managing the finances of young cardholders is proposed.
In the application, you can choose the theme and design of plastic, open a savings account, pay for any services via the Internet, use contactless payment technologies, receive bonuses for purchases, and view spending statistics.
Great importance is attached to safety. The latest version has the ability to log in with Touch ID (fingerprint).
Payments and transfers
Using the Tinkoff application, customers of the presented bank can pay for various services, including utilities, fines, mobile communications, Internet and television.
It is possible to make transfers to cards of other banks, automatically pay debts on taxes and loans, and also make automatic payments, planning them on your own.
For a quick payment for services, you can scan a receipt, and you do not need to manually enter the details. Bank customers can also pay for subscriptions, withdraw cash from ATMs using QR codes, and transfer funds between personal accounts.
Pros and cons of the mobile application compared to other banks
The Tinkoff mobile app consistently occupies a leading position. In 2nd place is Sberbank, in 3rd is Post Bank, in 4th is Alfa-Bank. In TB it is located on the 8th, Raffeisenbank on the 10th. But, none of the competitors offers anything similar. The lifestyle banking model is being implemented. Online banking has become a guide to personal finance. Any issues are resolved remotely.
The undeniable advantages of the application include:
- the functionality is not inferior to the classic Internet banking, but the interface of the personal account is different;
- work speed;
- a large number of features that simplify the use of bank products as much as possible and save time on routine operations (payment of utility bills, loans, etc.);
- options for all operating systems.
Reviews
Users respond positively to using the mobile app. The average score for the Android version is 4.8, for the iPhone it is 4.2. In general, the work is stable, the functionality is wide, the organization is ergonomic, everything is intuitive.
But from time to time there are crashes with a complete loss of access to the account, it takes up to 3 days to fix technical problems. Not satisfied with the inability to hide Stories (takes up half the screen) and an excessive amount of advertising instead of useful information. Prompt response to user comments.
Conclusion
Tinkoff Bank has developed a unique mobile application that has no competitors (confirmed by annual research by rating agencies). It replaces a trip to the bank or a call to technical support.
https://www.youtube.com/watch?v=ku6UrDYuL2A
Cardholders who serve 100% remotely experience no inconvenience. In addition to classic functions (full control and management of products and services), online banking offers advanced features (using a QR code for paying and withdrawing cash, tracking a child’s location, receiving utility bills, building a route to an ATM or a replenishment point, controlling exchange rates, Stories with useful financial information, etc.).
Separate options have been developed for holders of additional cards and customers under 18 years old, there are no restrictions on the basic functionality.