UBank - what is it? What is uBank in the phone, how does this application work?

Almost every modern bank offers its clients a set of online services that provide remote access to your account and allow you to manage financial flows from anywhere in the world.

The convenience of such offers is ensured by the fact that a person does not have to visit the branches of a financial institution or go to the terminal to perform certain banking operations. The main drawback is that within each bank only its own set of offers is available, limited to the availability of agreements with partners. Users of the service have to look for a financial institution whose services will best meet the needs. As an option - to adapt their needs to the capabilities of this or that institution. Quite another matter is a universal banking application called uBank. What is it? Let's try to understand below.

What is the financial application of uBank? general information

UBank is a universal mobile application that allows you to control your finances at any time. It simplifies the implementation of Internet payments. Soft is adapted for electronic payments and payment for specific services.

Let's look at the application in general. It has the format of universal Internet banking, which allows you to manipulate all accounts, credit cards and electronic purses, regardless of to which payment system or to which bank they are tied.

Considering the uBank application, what it is and what opportunities it offers, it is worth talking about the integrated security of each payment and about saving on payment for certain services and goods. Despite the fact that the service removes a certain percentage of the commission for all manipulations, it simultaneously offers a wide range of shares and discounts.

Application Features

The widest range of services and offers is one of the features of the uBank application. What is it and what is included in it, we will consider below. Each participant of the universal financial system can pay for the services of Internet providers and mobile operators, services of housing and communal services and fines of the State Traffic Safety Inspectorate. Soft opens up opportunities for shopping in online games. Participants in the system can make transfers to other users. Invoices are issued in the same way. The uBank application has a simple interface and is characterized by a modern minimalist style. Downloading and using the application is completely free.

Priority Objectives

The development of full-fledged and mobile B2C and B2B payment type solutions that can meet the needs of modern users, not only in terms of usability, but also depending on the list of available services and offers, is one of the main tasks of creating an uBank application. What is it is already obvious, but about advantages it is necessary to say separately:

• Comfortable and simplified work with credit cards and electronic purses.
• Complex security of payments.
• Open registration via mobile phone.
• Unobstructed access to the full list of operations performed.

The team of experts who developed the application, set a simple, but at the same time, a multifaceted goal. She sought to create a universal language of communication between buyers and sellers, which, in principle, it was possible to achieve.

Technical side of the question

The uBank application is what people are used to calling an innovative online banking system. It is designed for smartphones that operate on the basis of iOS, Android and Windows, and is installed on devices Samsung, Fly and Huawei, which are common in Russia. The program is available in the offer store for each smartphone owner.

Software for iOS is effective in conjunction with the operating system version 6.1 or higher. The program is adapted for Android, requires an operating system at least version 2.2.3. The software format for Windows is compatible with OS versions 7.5, 8 and 8.1 and has significant external and functional differences.

UBank, reviews about which are only positive due to its versatility, has some similarities with standard banking applications. But if in the latter it is customary to enter the account or card number as the user ID , then in this situation the binding is carried out directly to the mobile phone number.

What does the user of the system see?

The first window, which opens before the user, provides detailed information about the balance of the customer's account in the system. Immediately you can get information about the status of your card accounts, about the latest transactions conducted and about payments of the system as a whole.

Considering the question of what is uBank in the phone, it is worth mentioning about two formats of work with this application:

• The card is linked to the account for making through payments. When making a payment, a commission is withdrawn from the customer's account of the system, but in fact the payment is made through the attached card.
• Operations are carried out directly from the account in the system, after the user of the application replenishes it from the card or in any other accessible way.

Features of using a virtual bank

By using one of the schemes, you can send money to a variety of services, to any financial institutions, to any card accounts. To snap a map, just take a picture of it with the camera in the application. Alternatively, manual input of funds is available. When making each payment, the system requests a CVV-code, which guarantees additional protection. To connect the card to the account, one monetary unit is debited from the card, which is returned after the binding.

Commission within the system

Some services are paid without commissions, but for certain manipulations, a payment of two percent of the amount may be charged. It is worth paying attention to the fact that some banks charge payment for crediting money to a card account. This feature goes beyond the limits of the responsibility of the system, and now it is better to specify the features of the service directly in the bank, including when drawing up large loans.

The uBank application, feedback about which always characterizes the software on the positive side due to its convenience and flexibility, does not charge payment for internal transfers made for the benefit of any person whose number is in the phone book (provided that it already has a smartphone installed on it This program).

Summarizing. Overall app evaluation

After a detailed review of the program it becomes quite obvious that the questions about how to install or how to remove uBank from the phone can not be called difficult. Everything is intuitive and clear. In comparison with other payment systems in uBank, everything is implemented as simply as possible and is targeted at a wide range of users.

It is worth mentioning the presence of a huge number of additional offers, in particular, it is possible to set up a regular payment or a payment history that allows you to control your financial flows. Each operation is transparent, simple and clear, completely deprived of the possibility of accidental conduct. Systematically released updates that make the software even more convenient for everyday use.