The purpose of a banking mobile application is to provide convenience and speed of operations. And if two-thirds of all operations are performed offline, the speed and convenience suffers.
In the R-Connect application, there are so many different possibilities that real offices of the bank simply lose their meaning. At least, after you receive a card of Raiffeisenbank and connect to online banking.
To pay for utility services, the Internet? You are welcome! Open a new account and transfer money from an existing one? Easily. Pay taxes, a kindergarten, fines in the traffic police – why not? And even discounts, which the application will remind you as you approach the store, exchange of currency, accounting of expenses and other useful chips that are simply impossible to accomplish offline. In general, Raiffeisenbank has tried to include in its application everything that you may want from a bank.
Translations and payment are even faster and easier
If you have a smartphone on Android, you can enter the application using the four-digit code. If the iPhone, you can enter and by scanning a fingerprint (with a biometric TouchID sensor), and using a four-digit code.
On the main screen of your R-Connect account, you see all your cards and accounts. If you do not have a card, you will have to go to the bank office to issue it, but you can open accounts directly from the application, replenish them freely and transfer money from one to another. You can start an account. For opening accounts are available in six currencies: rubles, US dollars, euro, pound sterling, Swiss franc and Japanese yen.
From the application you can pay for mobile communication from any card, transfer money to a third-party card, for example, lend a relative or give a debt to a friend, transfer money from one card to another.
All this is done for several tapes: enter the mobile number, the balance of which you need to replenish, or the number of the card to which you are going to transfer money, and order.
To further simplify operations, you can create templates. Classroom thing: do not re-type the parameters of the operation, check something. Opened, clicked “Send” – the translation went through.
But quick translations are realized here not only at the expense of templates. Raiffeisenbank is so concerned about convenience that you do not even have to manually dial the operation code via SMS. Everyone remembers how annoying these five-digit codes are. It is necessary to minimize the application, open SMS, remember the code, open the application again. In the mobile R-Connect, the self-entering single-use code was replaced with automatic input from the push notification. That is, you clicked “Translate” and you do not have to fold anything and remember: push will come, the code will automatically be substituted, the payment will pass. Very comfortably.
Another cool feature of the application is currency exchange at a favorable rate. That is, you will not need to look for exchange offices and even more so go there. Choose an account for writing off and crediting in the required currencies and changing them. And the rate will be more profitable than when exchanging at bank branches.
Of course, all operations fall into the “Journal of Operations”. And you can turn an operation into a template with one tap. And to make it more convenient to find the desired operation, you can download the “Journal of Operations” in time – for a week, a month or an arbitrary period.
By the way, there is one more small feature for speed. To turn an operation into a template or repeat it, you do not even need to enter it. Long press, and before you two icons: “Repeat” and “In the template.”
Payment for services and other transactions – on one tab
On the main screen of the application there are several most requested operations and the item “Templates”. The remaining operations can be found in the paragraph “All transactions”.
It is here that there are all the operations that can be performed in the application, but there are a lot of them. In addition to transfers, currency exchange and mobile payment, there are different types of services, transfers to the RF budget and even deposit management. But first things first.
From the application you can pay for Internet and television, transportation services and telephony, transfer money through payment systems like RBK Money or QIWI and pay for utility services, as well as simply transfer money to your account number and forget about the queues in the office forever and even about walks to the ATM to make these payments.
As for the transfer to the budget of the Russian Federation, you can pay taxes in several steps or, for example, a speeding ticket. And nothing will prevent you from creating a template and the next time you pay even faster. With such convenience, you will hardly ever delay the payment of a fine.
Pay for a kindergarten or university education, pay taxes – these and other services are available around the clock. And, I think, once paying through the application, you just forget the way to the real office of the bank.
Management of deposits and loans
With transfers and payments everything is clear, there is nothing exceptional about this. And what about banking products? For them, then for sure you will have to go to the bank branch? Not this time. Through mobile R-Connect, you can easily open a deposit and a savings account, and not only open, but also replenish them and partially withdraw money from them (if the terms of the deposit permit). And all this is as quick and simple as transferring money to a card.
As for loans, for them you still have to go to the office. Well, at least find out where it is. And the application will help you to find out the schedule of payments, amounts and interest. You can see at any time when the next payment date, how much you have already paid and how much is left.
Discount notification near you
In the R-Connect application, there is one unique feature that will help you not to miss a profitable offer. In the literal sense of the word. This is a geophysing function, by which the application monitors your location and tells you where you can get a discount nearby paying with a card.
Let’s say you pass by a boutique in which the program “Discounts for you” operates, and do not know this. Of course, you will not learn what kind of outlets are participating in the program! The application R-Connect will not allow you to skip the discount: you will receive a notification that you are not far from the desired outlet, and will be able to make profitable purchases.
Also, you can find the trade and service points of the partners of the bank that offer discounts and sort them by categories of goods and services or by location.
Safety first
What do you do if you lose your bank card? In a panic, dial up to the bank’s office and ask them to block it faster so as not to lose their money.
With a mobile application from such situations, panic and fuss are excluded. You just open the list of operations, select the “Lock card” item, specify which one you want to block, enter the reason and the phone for communication. Everything, your card is out of danger, and for further instructions the employees of the bank will contact you.
Connect to R-Connect
To evaluate all the advantages of a mobile bank, you need to connect to it in one of three ways and download the application. The easiest way is to connect to R-Connect on the site (after registration, the login will be pre-installed in the form of Internet bank authorization, and the password will be sent to your phone number via SMS). For this method of connection, only a valid bank card is needed.
Also, the card will be required when connecting through the ATM of Raiffeisenbank. But in the branch of the bank to connect you need a passport.
By the way, if you decide to connect via ATM or just want to withdraw cash from the card, you can find the nearest ATM in the application.
On the “Addresses” tab you see all the ATMs, branches and terminals. Here you can sort the ATMs by purpose and currency, find the nearest to you or to the desired metro station.
Pros and cons of R-Mobile
Pros:
- Almost any operation can be performed online.
- There are tips about discounts and profitable offers.
- Intuitive interface – it is immediately clear that where is located.
- You can create templates from the “Journal of Operations”.
- Advantageous exchange rate.
Minuses:
- Some operations – drawing up a card of Raiffeisenbank and a loan – will still have to be performed at the bank’s branch. After being used to paying for all services and managing finances completely online, it will be too lazy to go to the office.
- What used to require activity and waste of calories is now performed for a couple of tapes in the application. However, this minus can be eliminated by buying a subscription to the gym.
If you have not tried to manage your finances online, it’s time to do it and immediately appreciate all the advantages in the R-Connect application.
Try R-Connect Mobile Banking
