10 ideas on how to use the bank's mobile app profitably

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44

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Borrowing money without overpayments, keeping track of your child's spending or winning cashback from purchases - all this can be done without getting up from the couch if you have modern mobile banking configured. Together with, we will talk about functions that you did not even know about.

1. Set up auto payments for housing and communal services and loans

In order not to waste your precious weekend on filling out receipts, it is enough to set up auto payment once. Enter the required section of the bank application, find your utility supplier, enter your personal account and add a payment. Each month, the app will automatically pay off your home bills. And the function can also be connected to loan payments - even from a card of another bank. This prudence will save you not only time, but also money - no more penalties for forgotten contributions. And if you don't want to create an auto payment, you can make a simple template and make regular transfers in two clicks, and not re-enter all the data.

2. Pay for a communal apartment without a commission

We are accustomed to the fact that banks take a percentage of all operations - even those that need to be done every day. On average, the commission is 0.4% for payments such as housing and communal services, the Internet and government services. However, all these things can (and should!) Be done without overpayment. For example, in the application, you can pay for a communal apartment, mobile phone, training, pay off a fine, or transfer money absolutely free of charge to any other bank.

In addition, transactions via a smartphone can be performed in any convenient way: select a recipient from a ready-made list, enter a supplier's TIN, take a photo of a payment receipt, or transfer funds using a QR code. And you can transfer money to your loved ones without extra charge using the fast payment system. It is enough to know the recipient's phone number and his service bank, the funds will be credited to the account in a matter of seconds.

3. Perform any banking transactions from home

It is not necessary to go to a bank branch if you need to order a certificate or account statement. But what is there - you can even open a deposit or an account, pay off a loan and issue a card not in line, but in your own kitchen with tea in hand. In the application, more than 30 thousand services are provided online. The intuitive interface will help you figure out, without outside help, which button to press next. At the same time, you are not limited by the office hours - all operations can be carried out 24 hours, seven days a week.

By the way, some actions from home come out even more profitable. For example, when you open a deposit in the application, the rate increases by 0.25 percentage points. You can even take a loan - on a card or in cash - right in your own apartment. You leave the application in the application, and representatives of the Post Bank can come to your home to complete the documents. You only need a passport and SNILS. Proof of income is also available online, and if you do it through the "Gosuslugi" portal, you can get the best loan conditions.

4. Order a virtual credit card

And instantly start using it. To do this, it is enough to fill in the data in the questionnaire and link the card to the contactless payment service: Apple Pay, Google Pay, Samsung Pay or any other. An online card is no different from ordinary plastic and you can pay with it wherever there are online cash desks.

Recently, Post Bank updated the "" card - now it has a double benefit: an interest-free period of up to 4 months and a cashback for purchases up to 6%. Moreover, the increased payments are provided in the most popular categories: in clothing and footwear stores, in restaurants and cafes.

5. Borrow money from a bank without commission

No matter how you plan your finances, sometimes unpleasant situations overtake when there are still a few days left until the paycheck, and your wallet is already empty. Now this is not a problem. You can borrow up to 10,000 rubles directly in the application and not pay interest for it if you pay off the entire debt within a month. Go to the "For you" section, select the "Reserve wallet" tab, enter your data in a short form, and the funds will be instantly credited to your account. By the way, immediately after the refund, you can borrow money again. This feature will allow you to have an airbag without having to borrow from friends.

6. Issue a child card and monitor the child's spending

You can give your child a penny to a penny in cash and ask each time what the money is for. But it is better to teach from childhood to financial independence and control costs in digital ways. A children's mobile application will help here. In fact, the child will have his own virtual card, but you will keep track of it - replenish from your account and be aware of how and where this money is spent.

Go to the "Debit Cards" section and choose "Child Card". Your application will ask you to take a photo of the child's birth certificate to confirm the relationship. The younger version of banking will allow you to see all categories of the child's spending and set limits for both payments and cash withdrawals.

7. Save up for something important

If you have already accumulated a few funds that you do not use yet, you can make them work. With the Post Bank mobile application, you can easily invest: buy federal loan bonds, invest in gold or other funds - all this without intermediary brokers and, of course, online. For each investment, important information is indicated: interest rates, risks and guarantees. Even a novice investor can figure out how to increase their savings.

8. Confirm operations with selfie

The more transactions go online, the more sophisticated scammers become in attempts to steal other people's money and data. Therefore, you should only trust them to the bank that reliably protects them - including from digital interference.

The application is guarded by its own biometric security system. Firstly, the entrance is carried out by a short four-digit code or a fingerprint. You do not have to memorize or write down a long combination of login and password in your phone's notes, risking giving all access if it is lost. Secondly, for added security, confirmation of selfie operations is provided. If the anti-fraud system decides that the client is suddenly transferring large sums from an unusual location, it will ask him to verify his identity by taking a photo right in the application.

9. Communicate with the bank by voice messages

To contact the bank's employees, you can use the standard options: call the contact center, write in the feedback form or on social networks. But it is much more convenient and faster to send voice messages to the chat directly to the operator. For example, when you want to clarify something with employees on the go, you don't have to stop and type. Just open a conversation, select the appropriate option and hold down the microphone - the mechanism is no different from the voice messages that you exchange with friends. Your audio message will go directly to the operator, and he will answer you in writing - you will read it when it is convenient.

10. Play and get cashback

Cherry on the cake - in the application you can find game loyalty programs. For example, with Post Bank, you can win cashback for purchases with cards on the Internet or a smartphone. To do this, you need to click on the image of the dice on the main screen, select one or several completed operations, indicate the desired cashback from 2% to 12% and shake your phone to roll virtual dice. If the number indicated by you and the number dropped on the dice coincide, the cashback is yours.

The Post Bank application will help you not to miss out on profitable offers, perform routine operations quickly and without commission, buy goods with discounts and invest profitably. All you need is a mobile phone. Download the application for free in the App Store and Play Market.