Mobile banking has become one of the most popular services for plastic card holders. Almost everyone who has credit cards wants to learn information about accounts online and use the services without restrictions. But how to set up a mobile bank remains a mystery to almost half of customers. Application installation methods and service rates vary depending on the financial institution.
SMS alerts at Sberbank
Almost 78% of cardholders use the service in the country's largest bank. Not everyone prefers a paid rate. The “economical” service package allows you to make transactions at Sberbank Online and quick transfers without writing off a monthly commission. For a “Full” package of services, customers should leave 30 or 60 rubles each month on the card balance (depending on the type of debit card).
Both customers can install the Sberbank mobile bank and delete the service at the office and through the support service. It is possible to connect SMS-informing in the terminal or edit it by changing the tariff plan.
Installation of services in offices and over the phone
How to install Sberbank’s mobile bank in an organization’s branch or through a support service? In the first case, you should bring your passport and card. After a visit to the department, the client provides documents to the operator, dictates a phone number for binding. The operator issues a copy of the application.
In the second option, identification should be completed. For this, the cardholder must name F. I. O., registration, passport details and code word. You must have a card at hand, because it will require its number, validity period. Binding a phone number in the support service takes no more than 10 minutes.
If the owner wants to edit the mobile bank, he must perform the same actions. The term for changing SMS alerts takes no more than 24 hours. A notification is sent from 900 about the operation.
Service activation in the terminal of Sberbank
Most customers of Sberbank use self-service devices to connect informing via SMS. It is much more convenient. How to install Sberbank’s mobile bank on a phone or in a terminal is described below:
- insert the card into the device and enter the code;
- go to the section "Information and Services";
- click on "Mobile Bank";
- go to the desired package;
- dial the number;
- check the result;
- confirm the operation if everything is entered correctly.
After completing the actions, the terminal issues a check, which indicates the features of connecting a mobile bank. The notification about number binding comes within 24 hours from the moment the service is performed. If SMS has not arrived, you should send the word "HELP" to the number 900. In the response notification you should receive a response from Sberbank, which describes the possibilities available to the client.
"SMS-Bank" for Tinkoff card holders
Clients of the first financial institution in Russia without branches can use the service immediately after receiving a credit card. But these are not all the benefits of the service. Unlike other financial organizations, in order to establish a Tinkoff mobile bank, it is enough for the cardholder to activate the payment instrument. The service is connected automatically. The client receives a message from Tinkoff after connecting a mobile bank.
If the “SMS-Bank” connection has not occurred within 24 hours from the moment of credit card activation, you should contact the support service. Sometimes an operation can be performed with delays, for example, during a technical failure. In this case, you should wait 1-2 days or repeat the operation again.
The client will have to pay notifications of debiting from the card in the amount of 39 rubles per month. Until 2010, those who used Tinkoff cards received alerts for free. Currently, the SMS-Bank service is paid.
Free notifications come only to those who have disabled information about movements on the card account. In this case, “SMS-Bank” notifies the client only of the need to make payments on credit or consumer loans.
Card alerts for VTB 24 customers
For owners of VTB 24 plastic cards, 2 SMS alert connection packages are available:
- "Base". It is provided to customers absolutely free. As part of the package of free notifications, cardholders could pay for purchases on the Internet and receive messages when making transactions in the online bank. But full access to information on accounts and cards within the service is not available.
- "Maps +". This package customers must regularly pay in the amount of 59 rubles per month. With the help of paid SMS, cardholders receive information not only about accounts, but also about transactions in VTB-online. In addition, the “Maps +” package allows you to connect notifications to 2 numbers at the same time at no extra charge.
Installation Instructions for VTB 24 Mobile Bank
How to install a VTB 24 mobile bank? The easiest way to connect the service is via the Internet. The operation takes no more than 5 minutes. The SMS service package will become available within 24 hours after the activation of the service.
How to set up a mobile bank through VTB-online (instructions):
- On the main page find "Profile and Service Pack".
- Go to "SMS and e-mail alerts."
- Decide on the SMS package: paid or without payment. If the client selects the “Card +” service package, then he must choose the account from which the service fee will be debited monthly. By default, the MasterCard account is selected.
- In the "Settings" mode, select the frequency of notifications.
- Go to "Add number" to connect 2 phones at the same time. After that, select "Configure alerts", enter the phone number and confirm the operation.
VTB 24 customers can add automatic notifications not only by SMS, but also by e-mail address. To do this, select the "Add mail" line. In the online bank card holders have the opportunity to view all messages within the package. They are in the "History" section.
Setting alerts for Bank Post cards
SMS-informing for the clients of “Post Bank” is also an available option. The tariff for the service is fixed for all customers and amounts to 49 rubles per month. But for those who use a mobile bank for the first time, there are privileges. For new customers, a grace period is provided: during the first 2-3 months (depending on the type of card) they can use SMS information without payment.
It is possible to set up the Post Bank mobile bank only in one of the branches. To do this, the cardholder must bring along a passport and payment instrument. Without an identity document, an operation is not possible.
How to install a mobile bank, and disable or edit its customers can only be in the offices of the organization. When calling a support service, cardholders have the opportunity to leave a request for a change in status or editing if there is a failure after connecting.
Features of the SMS-mail service "Bank Post"
Information from the Post Bank allows you to find out the balance of accounts and cards online, use the service without restrictions, send quick transfers via the P2P system.
If the client does not have the opportunity to contact the office of the organization, he can visit one of the points of sale. They are located in shopping centers, at public transport stops, in large municipal institutions. You should have a passport and a card with you.
The presence of a mobile bank involves receiving notifications on accounts and cards, as well as performing transactions online. But the organization can produce newsletters with advertising offers even to those customers who have refused to activate the service. If the client didn’t have a desire to install the mobile bank application, and SMS with ads still arrive, he can refuse the newsletter by calling the support service.
Mobile Banking Issues
Installation is not always successful on the first try. Sometimes customers encounter such problems:
- lack of SMS about service activation;
- messages about operations come late;
- Incorrect phone number
- A message arrives but does not open.
What to do if SMS does not come?
Problems with notifications from the bank are usually associated with a technical failure. But in any case, the client should resolve the issue with the card as soon as possible so as not to pay for a service that he does not actually use. How to install a mobile bank on the phone so that everything works, in such cases?
If there is no activation SMS within 24 hours, you should perform any card transaction or use Internet banking. If the client receives a notification, then the service is working correctly.
If the message after payment or depositing funds to the card arrives late for more than 5 minutes, it is recommended to check the phone's memory. It can be filled in whole or in part. This is reflected in the service. The lack of free memory in the phone is also one of the reasons why the message arrives but does not open.
Notification delay still occurs in the event of a weak cellular signal. If there are no problems with the network, you should call the bank hotline.
Sometimes customers mistakenly report someone else’s or wrong phone number, as a result of SMS about card transactions received by another person. In this case, you should immediately contact a financial institution to disable the incorrect number. You should take a passport and a card. In some banks (Sberbank and Tinkoff), you can edit the operation by calling the support service.