What is a bank app. UBank application for Android: why you need it, how to delete it. Huge list of all kinds of money transfers

Hello everyone! We will tell you what kind of pre-installed Ubank program is on the phone and how it will be useful for users. We will also tell you how to remove Eubank from Android if you wish.

Many users, when buying a phone, pay attention to some pre-installed applications. One such partner application is Ubank. Let's look at the main advantages of this program.

Ubank is a mobile wallet that allows you to produce a variety of financial transactions online and includes a wide range of services: from transferring money between bank cards- until payment of traffic police fines.

Ubank wallet is tied to a mobile number, and registration is quite simple - you need to specify your phone number and enter special SMS code. To replenish an account in Eubank, it is enough to link your Visa card or MasterCard and make a transfer, or make an accrual to the account through Eleksnet terminals.

The main features of the mobile wallet:

1. Possibility to get a Ubank debit/credit card, with which you can make any purchases.
2. Support for all Russian banks.
3. Implementation money transfers, including BEST transfers.
4. Quick loans.
5. Payment mobile services, online services, games, satellite TV and much more.
6. Reliable protection algorithm for all operations.
7. A unique cash withdrawal service without a card (!).

If you do not plan to use Ubank or simply do not want to keep third-party programs on your phone, then you can remove it.

Removal process is standard and does not require the use of special cleaners. You just need to enter the Application Manager - find Ubank in the list, go to the application details - clear the cache, stop and delete.

Conclusions. This service will certainly be useful for those who constantly use online banking services and are not afraid to trust professionals. But if you do not use it, then you can safely delete it. The program itself does not take up much space, does not load the system and is not a virus, which now constantly penetrate phones under the guise of applications. I hope you understand what this Ubank program is and what its purpose is on the phone.

In contact with

The very first screen of the application informs us that registration in the system is carried out through telephone number which is convenient and does not require extra gestures. I indicated the phone, entered the confirmation code received in the SMS - and you can use it.

Along with the development of the functionality of smartphones, the number of functions that can be performed with their help is increasing. And this evolutionary process has reached the point where the operations for which you previously had to leave your home and head to the bank branch can be carried out simply by taking your mobile phone out of your pocket. The only question that remains to be decided today is which of the rich variety of mobile banking services to choose. Today we will tell you about the UBANK application (download on Google Play), which appeared relatively recently, but can pretty much shake the nerves of competitors.

The recently updated version of the UBANK Android app has further focused on usability. To do this, the operations that the user performs most often are automatically displayed on the main screen of the program. The function of replenishing the balance of the phone stands apart - this is what the owners of mobile gadgets do most often, so everything is logical. Other options include paying for a landline phone, loan payments, television, the Internet, housing and communal services, security systems and other services. The best part is that most services are paid without any commissions.

To replenish the balance, two options are offered: either deposit cash through the terminal (the nearest one can be found using the built-in card), or link it to your wallet plastic card. By the way, for your convenience, you can scan the card to automatically enter the number. Click on the camera icon, hold the card to the back camera of the phone - and the number is already on the screen. By the way, UBANK automatically determines the name of the bank and the design of the card: as a result, on the application screen it looks exactly the same as in your wallet. If you are going to link several maps to the application, this will help you navigate them more efficiently. By the way, you can link an unlimited number of these cards.

In addition to paying for services, you can also transfer money to other bank accounts and other UBANK users. The average commission is about 1.5%. There is also a very popular function of transferring from one bank card to another. Another interesting feature is the ability to "share" money with friends who also use this application. It can be very useful if you want to work together to buy someone an expensive gift or are planning a vacation trip together and decide to combine the budget. At the moment, the function does not work yet, but the creators of the application promise that it will be available in July with the release of the next update.

Those who like to analyze their expenses and think about where the money goes will surely like the way UBANK statistics are arranged. Information on the movement of funds is presented in the form of lists and visual diagrams, which will allow you to get a complete picture of what you have to spend the most money on. It is possible to set up automatic payment, and you can immediately see how much money is in the account and how much is needed for the scheduled payment, this is very convenient.

According to the developers, UBANK has a high degree of security. And this is true: the application does not store the number and CVV of your bank card. Therefore, even if the phone is lost, no one will be able to use your card. In addition, the application is always tied to the same phone number and device. This means that when you try to log in from another device, the application will send an SMS asking you to confirm the login.

The first thought that remains after using the UBANK application: “What, is that all?”. However, after it, a second thought immediately arises: “What else do you need?”. The developers managed to create a product with the necessary functionality and at the same time cut off everything superfluous so that the user is left alone with the tasks that he wants to solve. And in our time, when every second counts, it is very much appreciated.

Appendix: UBANK Developer: uBank Mobile Limited Category: Finance Version: 2.0 Price: Is free Download:

With the development of digital technologies, the number of transactions that we can carry out directly from home using our mobile phone, is rapidly increasing. In particular, this concerns the possibilities of mobile banking, which now really allows you to do a lot. We can pay public Utilities, make money transfers, recharge our phone, borrow, buy tickets and much more. In this article, I will talk about one of these mobile banking applications called “UBank”, explain what UBank is, what its capabilities are, and how to work with it.

UBank is mobile app, which combines the best banking and insurance tools in one digital product. This is a mobile wallet that allows you to carry out many financial transactions, from replenishing your mobile phone online, to paying traffic police fines.

This application is available for all major mobile platforms (Andoid, iOS and Windows Phone). By agreement between the UBank developers and Samsung, Fly and Huawei, the phones of these manufacturers may include a pre-installed UBank application that cannot be removed in a standard way.

It is known that the creator of this application, UBank, appeared on the market relatively recently, in 2011. In a short time, the developers' ideas managed to please investors (in particular, the international venture fund Runa Capital) so much that they invested in it for a total amount of more than $ 8 million.

At the same time, UBank carries out its transactions through partner banks - Raiffeisenbank and Moscow Bank, and MDM BANK acts as the issuer of UBank cards.

What are the features of the UBank application

In analyzing the question of what kind of UBank program, an important place is occupied by the analysis of the available capabilities of this program. Among its distinctive properties and advantages, I would highlight the following:

After we learned what kind of UBank application it is, we will analyze how to use the program.

How to use UBank

How to work with UBank? First you need to download and install the application on your phone, register by phone number (via SMS), to which your mobile wallet will now be linked.

After that, you will have access to all the features of this mobile application, including the ability to withdraw cash without a debit card.

The title screen of the application usually focuses on the operations that the user performs most often (plus the massively demanded option to replenish the mobile phone account). At the same time, most of the proposed operations are carried out without any cash commissions, which makes the application more attractive in the eyes of users.

You can replenish your account balance both through the terminal and by linking a plastic (debit) card to your account. At the same time, the application has the function of scanning your card number, for which you need to bring your smartphone with the rear camera to the card.

The commission for money transfers between bank cards is, on average, 1-1.5% ( own funds) and 7.9% (credit funds).

For lovers of financial monitoring, detailed traffic statistics are available Money on the card, with a detailed indication of the amount of income and expenses.

At the same time, I draw the attention of readers that the balance of your electronic wallet in UBank may not be equal to the balance of your card.

How to remove UBank

If you are interested in uninstalling UBank, then this application is removed in a standard way. To carry out the removal, just go to the smartphone settings, go to "Applications", find UBank in the list of applications, tap on it, and go to its settings, click on "Delete".

If this application was pre-installed on your phone, then you will not be able to remove it in the classical way. But you can turn it off, for which you need to go to "Settings" - "Applications" - "All", find UBank there, tap on it, and, entering its optional, click on "Stop", and then "Disable" (if there were updates to it, then before disabling the application, you must click on "Delete updates"). After disabling this application will no longer consume the resources of your device.

December 14, 2016 7128

All banks are being transformed to work in digital channels: some are faster, some are slower. But everyone already understands that a person who is used to communicating, working, getting to know each other, doing charity work and doing other things is vital necessary actions in your smartphone, it will be very difficult to drag into the bank branch.

We recently discovered a new player in the so-called "Light banks". Many have heard about Rocketbank some have heard of Instabank and Touch bank. But what isUbank?

Here is what Ubank employees write about themselves:

- First of all, about who we are not. We are not a bank (suddenly you thought so when you saw our logo?) with a bunch of branches, clumsy robot employees and eternal red tape. We are a team of professionals who know a lot about breakthrough projects and mobile development.

We have experienced all the pain of using inconvenient mobile banks and payment terminals with wild commissions. We started the UBANK project, because we are sure that you can pay for services or transfer money with a smile, quickly and easily, from any phone, without commissions, and it doesn’t matter which bank you happen to be a client of.

In other words, Ubank is a mobile application that allows you to make Bank operations without visiting offices. Ubank partners help in this: Binbank and Bank of Moscow.

Today we will check how this application works and how it can be useful for the people of Belarus. Download and install the application, after installing and setting the PIN code for launch, it opens main page. By the way, to use the application you need to have a Russian phone number ... We have it :)

It can be seen that it is possible, apart from banking services, take advantage of insurance ... Although this is not news, many Belarusian banks They also offer insurance. But Ubank offers to take out insurance in a variety of life situations: from phone theft to cash theft from bank card. In our opinion, quite a relevant proposal.

Here we already see purely banking services (in particular, money transfer), and categories for payment, and the ability to borrow money online. By showing an empty map, the application seems to hint that this place should be filled :) Well, let's try to fill it.

But SMS - a message with a code for some reason did not come either the first or the second time: (Let's try to enter the data of another card. Everything worked out, the card was linked, and Ubank wrote off, and then returned 1 Russian ruble from the card.

If you move the screen to the left again, we will see an offer - order a card Ubank…

Moreover, with very attractive conditions, which is worth 7% on the balance each month and 52 days of overdraft without interest. Although, something tells us that such a card will not be delivered to Minsk :) So far, this attractive offer is relevant only for Russians.

If we move the screen again to the left, we will again see the familiar form of adding a card. As we understand, you can add all the cards that we have :)

The main menu of the app looks like this...

We were especially interested in the item "Achievements". It is interesting because Ubank pays the client for certain actions. So to speak, it motivates with a ruble :) What? It's very banking and very motivating. By the way, we have already earned our 5 rubles for linking the card.

They got into our WalletUbank…

And now they can be spent. By the way, spending is easy - you need to press the minus sign (-) and the following menu will open ...

Wallet replenishment options can be found by clicking on another mathematical sign, plus (+).

We were offered one option - from an attached card. We paid 10 rubles, and they were credited faster than the SMS arrived - a message from the bank that issued the card. And now we already have 15 rubles in our wallet :)

So, we figured out the replenishment of the wallet, but what about transfers between cards? We open this section and see that our transfer fee will be 1.4% of the amount, but not less than 40 Russian rubles. Although the application immediately suggests cheaper options ...

Well, okay - 1.4%, so 1.4%. The main thing is that everything should be fast and without entering extra numbers. But here we didn’t guess, we still have to enter the data for the transfer, even if we already have a card linked to the application :(

Then you need to enter the details of the card to which the transfer will be made, and click on the button "Send" but we didn't get anything.

But as it turned out, Ubank has 2 transfer services - a new one (with a commission of 1.4%) and an old one (with a commission of 3%). So, in the old service, the translation is gone, and the application did not give any error.

The old service is organized more conveniently - you do not need to enter data from the linked card, you can only enter the recipient's card number, and also - it is possible to transfer money from wallet to card, and vice versa.

The commission, of course, is quite large, so it is better to transfer between cards in a banking mobile application. For example, in the application Belgazprombank, where the commission is 1.5%.

Among them, we liked the service called "Cash withdrawal without a card", where you can, by indicating the phone number, transfer money to it (but not more than 5 thousand Russian rubles), and then receive this money at the points of issue.

The app also has a loan calculator. These are not loans, but small loans "before payday". Can choose the right amount and submit a loan application. Thanks to the calculator, it is immediately clear that having taken 7,700 Russian rubles for 15 days, you need to pay 10,003 rubles already. If you calculate in annual terms, you get a frightening figure. 718% per annum!!!

But if we take into account the convenience of issuing (on a card), when it is enough just to fill out a questionnaire, then such an offer will definitely be in demand among certain segments of the population who do not gravitate towards financial literacy.
Summing up a little review and testing of the application Ubank you can say the following:

• I really liked the ease of use of the application, as well as the simple and intuitive interface
• besides that, happy a large number of connected services that can be used online: insurance, loans, online wallet
• I would especially like to note that you can link all your cards to the application and make payments and transfers from one application

Concerning usefulness for residents of Belarus.

In the Ubank application, of course, you can transfer money from card to card of Belarusian banks, but it will be expensive and slow. But - the rest of the functions of the application in our country do not work.

I would like to leave my review about this type of service as the Ubank card. I'll start in order. Universal payment service Ubank and MDM Bank set up a joint plastic credit card, I learned about this from my employee in the office.

She urgently needed money for car repairs and ordered online this card. Registration will not take much time, since you do not need to fill out a huge form to send to the bank and then wait for your application to be processed. The loan amount is at least 25,000 rubles. The card provides a bonus of 1000 rubles. If you spend more than 1000 rubles from your card. That is, you will return it, as it were, back without hitting the budget and wallet.

In general, Ubank is a modern payment system, by which you can pay for a large number of services and send money through a special mobile application. His employee installed it on her phone and actively uses it. You can always track the balance on the card, thanks to it you can pay for a number of services, such as utilities, internet, telephone, and even make purchases. Each time the balance will be displayed on the screen in personal account which is very convenient. Because personally, when I hold my husband's card, I can only stop at the moment when I have already spent a lot of money. And I will receive a message about the balance with a delay.

When ordering a card, a small online form is filled out and delivered by courier from 7 to 10 days directly to your specified address. No need to wait for her at the bank in huge queues. When receiving a card, you must have a passport with you as an identity document and a second document. The courier is obliged to take a picture of you in order to then enter your photo into the bank's database. Well, I think that everyone is doing this now, so there is nothing surprising in this. Initial credit limit on the card will come in the amount of 500 rubles, and only after approval by the bank, the amount can increase to the amount you specified in the application. In this case, you will receive an SMS notification about the consideration of your application in any case.

The benefits include free annual maintenance cards, 8% on the balance of funds, 52 days of interest-free commission, SMS informing free and free delivery of the card.

Of course, 500 rubles is not enough, but using them and returning money to the account on time, you can create a good reputation for yourself in credit history.

So, having learned all this, I also wrote online application I'm looking forward to my card. I will use.

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