Is it possible to delete the ubank application. Ubank application - what is this program on the phone. Ubank credit and debit card

With the help of one, we borrow money for a useful purchase, and thanks to the other, we have access to our own wages.

In addition, some of us have our own, where we invested part of the saved money and hope to get a good additional income from accrued interest.

In addition, part of the country’s population takes out loans, various car loans and mortgages, again, in order to afford more than they actually can and to make their life more comfortable and simpler.

However, every number associated with your financial activities, whether it’s remembering the account balance, days to pay off debts, estimating expenses for the day, week or month, it’s quite difficult to keep in mind.

That is why programmers are coming up with various electronic assistants every day that can easily free your memory from unnecessary data so that you can focus on something more important.

Today we will talk about one of them. I'll tell you about uBank: what it is, how it can be useful and what functions it contains, but first things first.

Total information

Let's start with the fact that uBank is a kind of universal assistant for monitoring and manipulating your finances, which does not care what card you use or what bank you are a client of.

The interface was specially designed so that online banking would be as convenient as possible for the user, who, in turn, would get used to it in a short time and be able to use it without any problems.

After a period of adaptation to the program, a person is able to perform a wide variety of actions with his finances. For example, to make payments on the Internet, keep track of all the accounts that he owns, and also have access to his electronic wallet or several at once, if he has many of them.

Among other things, you need to keep in mind that this application is very attentive to the security of your transactions, so there is no need to worry about your money.

However, it charges a certain percentage for any activity with money. True, this state of affairs is more than compensated for various promotions and a wide range of discounts on certain types of services.

Key Features

And so, about General characteristics We've talked, now let's move on to functionality. What does uBank offer its users? In fact, a very rich toolkit.

So, for example, no one prohibits you from making payments for public utilities, buy something over the Internet, pay for access to the global network or availability mobile communications.

In addition, any person who has registered himself in the universal system has the right to spend his money on purchases in online games. Therefore, avid gamers who are tired of Fallout 4 with their solo company may find this program useful.

As for motorists, there was a place for them too. That is, you can easily pay any fine from the traffic police through this application, instead of doing it manually and wasting your precious time.

Finally, you have the opportunity to transfer funds to other users: your friends, relatives, girlfriend or boyfriend. Everything is possible thanks to uBank.

Therefore, if you are a fan of minimalism in design and ease of management, then it was developed especially for you, since I have never seen a more successful and easy-to-use software in my life.

And the ability to work with several wallets or banks at once through it, I consider almost a breakthrough in the industry high technology, especially since downloading and using the software is absolutely free.

A little about commission fees

Of course, reading that you will be charged a certain usage fee may lead you to some kind of dead end. After all, I just said that use is free, but here, as elsewhere, there are some nuances, which we will now talk about.

The fact is that yes, for using the functionality the program charges you a certain amount, in the form of 2% of the amount. However, sometimes this happens without the software’s intent.

You yourself understand that some banks also take a percentage for carrying out certain manipulations with finances in order to cover their costs of providing the service and, of course, earn a little extra money on top.

So, the application has nothing to do with such commissions, and everything you pay for using the service will most likely go to the bank, and not into the pockets of the developers.

In any case, it would be a good idea to contact financial institution, whose client you are, to clarify, especially if you plan to use a large sum, for example, when applying for a large loan.

Well, the good news for you is the fact that the program will not charge you a single penny for any transfers among its clients.

Thus, if you want to transfer finances, for example, to a friend who is in your phone book and also has an application at his disposal, then do it with confidence, since there is no charge for the transfer.

As a result, you use an almost free free application that can combine most of all online banking services, instead of you having to download each one separately.

Therefore, I strongly advise you to familiarize yourself with this software personally, since at first I also did not believe in its usefulness and was very reluctant to install it on my smartphone.

However, then I still appreciated such an assistant and now I can’t imagine how I could live without it, since uBank allows you to manipulate your finances without any problems and completely safely.

Conclusion

Thus, we found out what uBank is, what its functionality is and how exactly it can be useful to you. As you already understand, the software can be downloaded to a smartphone running both Android and iOS.

As for the reviews about it, everything is fine. Literally everyone praises it for its efficiency and ease of management, so users definitely don’t have to think about abandoning it and how to delete it. Try it too.

All the best to you and see you again!

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

When purchasing a phone, many users pay attention to some pre-installed applications. One such affiliate application is Ubank. Let's look at the main advantages of this program.

Ubank is a mobile wallet that allows you to make many financial transactions online and including a wide range of services: from transferring money between bank cards to paying traffic police fines.

The Ubank wallet is linked to your mobile number, and registration is quite simple - you need to indicate your phone number and enter a special SMS code. To top up your Eubank account, just link your Visa card or MasterCard and make a transfer, or make a credit to the account through Eleksnet terminals.

Main features of the mobile wallet:

1. Possibility of obtaining 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. Fast microloans.
5. Payment mobile services, online service ov, games, satellite TV and much more.
6. Reliable security algorithm for all operations.
7. A unique service for withdrawing cash without a card (!).

If you don't plan to use Ubank or you simply don’t want to keep third-party programs on your phone, then you can delete it.

The 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 resort to online banking services and are not afraid to trust professionals. But if you don’t 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 kind of Ubank program this is and what its purpose is on the phone.

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From 02/01/2016, conditions for uBank cards are getting worse: SMS info paid(59 rubles - you can disable it in the information security system of the former MDM Bank), from BeanBonus is disabled(it’s better not to make purchases for bonuses in January!), interest accrual stops for the balance of your own funds.

In the application you can top up your card through the c2c service for 0% (6012/6538) or 1% (6012R)

Update 05/20/2015: mcc for replenishing a card/wallet is the same: 6012.
Updates in the service: from 05/08/2015, a 1% commission was introduced for replenishing your wallet and internal transfers.

UBANK is a mobile payment application for smartphones and a full-fledged online service for managing payments and expenses with free card from MDM Bank.

Eubank is a young company that appeared on the market quite recently, at the end of 2011. uBank makes all transactions through third party banks– Raiffeisenbank and Bank of Moscow, with which there are corresponding agreements.

Perhaps the service would have been little-known, frail and little known except for a few geeks, if not for a couple of BUTs.

uBank investments worth $8 million were allocated! The investor was the fund Runa Capital.

He calls one of the important advantages of uBank the partnership with Samsung (the leader in phone sales in the world and Russia) and Fly (the third in Russia), which have been installing this application on all their Android phones since 2013.

Why is this interesting? payment service? Like many uBank allows “replenish your virtual account with cash, or create a link between your user account and a bank card”.

Allows “pay for mobile communication services, Internet providers, housing and communal services, pay television, gaming and social services” and also “interaction with other electronic payment systems has been established, making free transfers of funds between them possible.”

But let’s take a closer look at uBank to understand why this wallet has become so popular on the Internet and why it is mentioned so often on our blog (“skirt”, “gifglitch”, “smile”, etc.).

6 reasons to use uBank wallet

More details»

Previously, Yubank’s partner was the Ukrainian Moskomprivatbank (now Binbank. Credit cards). Now the issuer of “Ubank” cards is MDM Bank. The cards are issued like this, Mastercard World:

I must say that This is a unique collaboration for MDM for several reasons. The process of issuing/delivery/activation of cards was established with the participation of three parties: the Bank, uBank and the courier service.

The latter is responsible for delivering cards, photographing clients and their documents, as well as correctly filling out application forms.

The cards are universal: can be installed on them credit limit. The holder of such a limit can receive 1000 rubles to the account, but only if the limit is “filled” with more than 25 thousand rubles and if the client makes a purchase for more than 1000 rubles.

If you don’t want a credit card, use it as a debit card (and MDM doesn’t give out its credit limit left and right), but on own funds MDM will also charge 10% per annum (on the minimum balance). (7% per annum is not accrued from 02/01/2017)


Let's not forget to mention the free annual maintenance cards, free SMS (and not 59 rubles as with other cards at MDM Bank) (SMS info is paid from 02/01/2017), free cash withdrawals at our ATMs and cash desks, as well as from partners: Alfa Bank, PSB, Raif., OTP, BRS, Vost.Express, free replenishment of cards in Alpha and at local ATMs.

All this makes the card a “candy”, even without the potential benefits of the “World” status cards (mainly discounts on events).

One But: e-wallet balance not equal card balance. But you can transfer funds to the received MDM Bank card without commissions, even from your wallet balance, or from other linked cards - without commission. To do this, go to the “Cards” menu and click the “Top up card” link (picture below).

Through the withdrawal (withdrawal) menu, transfers to bank accounts and cards usually cost 1,5-2%.

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Inconvenient little things

This is the response tech support quoted us: John Priestley:

“Your monthly limit of 40,000 rubles has worked. You were actively withdrawing funds in March, which resulted in your overall limit being triggered. Alas, you will now be able to make payments only from April 13-14. At the same time, payments in favor of providers, housing and communal services providers and services from the “entertainment” category work without restrictions. The limits apply only to transfers to cards, SIM card balances and transfers to other payment systems. I would like to draw your attention to the fact that your limit was triggered not for the calendar month, but for the last 30 days.”

• You can get a credit limit just by providing a passport and a second document, identification. In fact, very few people were able to receive a CL of more than 500 rubles. As the bank employees told me, there are a lot of applications, practically no approvals. In this regard, many already believe that the promotion with a free thousand rubles is just an advertising bait.
• Many did not receive a credit limit, but in MDM-Online IB a certain one glows loan agreement . Perhaps this is a technical error. If your eyes are an eyesore, you can close it in the office in a minute.
• There is a lot of negativity around that couriers are forced to come several times re-sign application forms, re-photograph the client and documents (this happened to me). I think MDM is simply not satisfied with the quality of the submitted documentation. It also takes a long time from applying for a card to actually using it.

IS

For the card, you can get access to the most common Internet bank “MDM-Online”.

This is done remotely, through the IB connection button. You need to provide your card number and phone number.

Please note that in the second connection step you need to uncheck the connection “ Mobile banking”so that you do not have additional commissions. As I wrote above, SMS information is provided free of charge on the card, and without unchecking the box, a paid package can potentially be activated, although it is free for the first month.

bonus program

Attention, in April 2015 the program was discontinued for all MDM cards Jar! If someone did not have time to spend the bonuses, they are gone.
In September 2016 a new one was made bonus program Binbonus, with the same conditions as in Binbank (5% cashback on selected categories), but at the end of the year it became known that uBank will be disconnected from the bonus program from February 1, 2017

The text below is for history purposes only.

Old bonus program

The bonus program was launched in February 2015 MDM-Bonus. Its essence is receiving 0.5% or 1% bonus points to a special bonus account, which is visible through IB.

According to the program rules, 1% of the amount spent is given for credit cards and 0.5% for debit.

But, keep either a feature or a bug: by debits bank cards is also charged 1% .

The loyalty program represents the already familiar Bonusback system, with which Renaissance Credit Bank works. And you can also spend bonuses there in Svyaznoy, in Shokoladnitsa, Burgerking, in Rigla pharmacies and other less popular places.

But there is a more pleasant use of points: you can spend bonuses to top up your phone balance. True, no more than 500 rubles/month. and no more than 4000 rubles/year.

Points are credited quickly: within 1-5 business days after an account transaction.

Rules for participation in MDM-Bonus (in pdf). From the rules:

From the rules:

The Bonus is valid for 36 months from the date of accrual to the Participant’s Bonus account.
The amount of Bonuses accumulated by the client during a calendar month cannot exceed 6,000

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Thus, I saw two full-fledged interconnected projects, with good quality of execution. Even if there are still small bugs related to the counter of transactions that affect the limits, even if couriers travel several times, reworking application forms, and card activation takes an unacceptably long time, still, uBank and the card from MDM are worthy of attention.

Interesting observation from alcorithm:

I discovered the following pattern:
When replenishing Ubank wallets/cards for a total amount of ~90,000 rubles from one donor card over the last 30 days, the system will not allow you to top up more from this card. An error will appear: “unauthorized write-off attempt.”

Quote from John Priestley:

“The card is linked to a phone number... the phone number has changed. HOW to link to a new number? Thank you!

To link to a new number, you must confirm that you are the holder of this card - write to [email protected] letter. In this letter, indicate your old phone number, a scan or photo of your passport and a scan or photo of the card service agreement. If the contract is not available, you can front side cards.
BE SURE to cover up all data except your full name in the passport and full name + last 4 digits of the number on the card.”

It easily allows you to pay for services and purchases, transfer money via phone or website, borrow from a bank, buy insurance on your iPhone, and is it cooler than branded banking applications? Do not believe?

We thought about it and decided to immediately set the bar high for him. Let's compare it with Tinkov. Yes, yes, with a top bank that everyone knows about now.

1. Ease of registration and use of the application

The coolest thing is that in UBANK there is no special registration or connection to the bank’s branded card.

And so they give you an account number that matches the phone number. In the future, this account can be replenished either with any linked bank card or through Eleksnet, which are available at every step.

Moreover You don’t have to register with UBANK at all, but to use the application as a payment terminal (for example, to quickly top up your mobile account), cool!

Plus there is a login using Touch ID. I would highlight the availability of automatic payments settings, favorites and the ability to transfer money to your contacts from the phone book.

Tinkoff is greeted with a section with information about cards; in the “pay” section, too much space is taken up by the top panel with banners. Just like a site with advertising, I want to partially disable it.

UBANK looks more convenient and interesting. There is a home page divided into 5 main sections, no clutter. Everything is logical and understandable.

2. Connection of cards from any banks. Few people can do this

In the UBANK application, you can add several bank cards from different banks at once. We enter the card details, confirm them by entering the password from SMS, and the card is added to the application. If you're too lazy to enter numbers, you can use your smartphone's camera; the program has a built-in photo recognition function.

I note that UBANK application does not store verification documents CVV codes , this data will need to be entered manually each time you make a payment and make a purchase. Safety first.

UBANK also allows you to order your own branded plastic card payment service. To order, you need to fill out a short form directly in the application. They promise free service, interest on the balance and up to 52 days of interest-free credit.

You can also add a third-party card to Tinkoff Bank, but unlike UBANK, the system will store CVV codes. Here, too, you can add a third-party card and sort of make purchases with it through the app. But this is done through the use of an additional virtual card, created by the bank Tinkoff.

In general, everything does not look as smooth, convenient and clear as with UBANK. Moreover, if I remove a card from another bank from the client, a previously created virtual one Tinkoff map will remain in the interface. It's a small thing, but it's annoying.

3. Loans in 5 minutes up to 8,000 rubles. No one has this

Tinkoff won't lend you money for 20 minutes.

The UBANK application has a “My Loan” section, where you can apply online urgent loan, which will fall directly onto the map within a few minutes. Again, I don’t like living in debt, but the opportunity itself is interesting. Everything is implemented correctly, there are different situations in life, it may be useful for someone.

If you take out a loan of 5,000 rubles for 10 days, you will have to repay 6,020 rubles, respectively.

No Russian bank offers anything like this!

4. Card insurance. For the most fearful

If you want to sleep peacefully, the application allows you to insure any linked card against loss, theft and other actions of criminals. Moreover, the insurance also applies to the smartphone itself on which the application is installed.

You pay a small amount, and you don't have to worry if you lose your card or iPhone. Everything will be reimbursed.

5. A huge list of all kinds of money transfers

The UBANK app, like Tinkoff, offers a huge list of services that can be paid through apps. Starting from car fines, utility bills and ending with replenishing your World of Tanks account.

Traffic police fines are paid without commission, and the program can automatically check for new fines by license number or vehicle registration certificate.

Transfers to cards of other banks are cheap even without registration, one of the most profitable on the market: 1.1% from any card Russian bank to any other card of the Russian Federation.

I will also note convenient translations any person by number mobile phone. No need to write down your friends' card numbers. Everything is much simpler.

To understand the amenities described, you need to try them yourself. The service will be especially useful for clients of banks that do not allow full management of accounts through mobile app, or people who have several cards from different banks. By combining all cards in one application, it will be easier to make payments without opening the required client-bank every time.

The main thing is that you don’t need to be a UBANK client to use their application! No registration required. Cool topic.

UBANK is a large, convenient, universal auxiliary platform for banks. You can use it to sell absolutely any digital product. In this case, there is no need to link to a specific bank.

UBANK as a taxi service. It doesn’t matter which taxi company you use (UBER, Yandex, Gett), because the main result is fast, convenient and cheap. The concept is the same here, the bank is not important, the main thing is ease of use.

And they also have has Apple Pay.

It is curious that smartphones shipped to Russia will immediately receive a pre-installed UBANK application. In other words, manufacturers believe in the marketplace concept.

Such a platform is convenient for any bank and insurance company that wants to quickly, cheaply and efficiently convey its offer to a mobile audience. Useful for everyone.

Verdict

Our TOP banks and their applications finally have a young and promising rival. You and I are the only winners from such competition.

The guys still have a lot of new things ahead. According to rumors, by the end of the year UBANK will launch a lending program and the ability to order cards from other banks directly through this application. And yes, you don’t have to go anywhere: you do everything through them