What is a system of mobile banking services: conditions, tariffs

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Mobile Banking is a modern SMS service with many features that allows customers to receive up-to-date information on their accounts, as well as conduct financial transactions using a mobile phone.

The most important advantage that the mobile banking system has is that there is no need to connect to the Internet to perform transactions. It is enough to send an SMS request to a short number, and the operation will be performed remotely. With this technology, you can use the services of the bank at any convenient time.

What are the benefits of mobile banking?

The use of mobile phones makes life much easier. Obviously, a lot of time is saved, since today almost all bank services are provided remotely. Even now, mobile banking can be compared to Internet banking. The biggest motivator for the development of this service is smartphones, which help make our lives easier.

• Almost all banks provide this service free of charge and without additional fees.
• There are several services that allow you to use any phone. This helps to make mobile banking accessible to any client. First of all, you can receive passwords and balance information. Some banks have created special applications for more convenient use of the service. Internet-enabled devices also make it easy to download bank applications.



• All transactions must be encrypted. This suggests that such transactions are much safer than wired.
• Client information is not displayed for added security.

What are the disadvantages of mobile banking?

• Unfortunately, cellular communication providers do not always encrypt information, which threatens data loss. A professional hacker, if desired, can easily access the necessary information.
• Bank messages are not encrypted. This suggests that they can be easily intercepted.
• If a cell phone is lost or stolen, all information can be used by a third party;
• Cell phones that do not have antivirus are very often hacked.

Due to the fact that every day the demand for smartphones is growing, and they have a high-speed Internet connection, mobile banking is the next step in progress. Undoubtedly, it allows you to easily access your accounts. But here's the safetyis still at a low level.

What are the capabilities of the Sberbank mobile banking system?

Today, the service has a simple and intuitive interface, which makes it easy to use. It is worth saying that the Sberbank mobile bank has wide functionality. And over time it gets bigger.

So, the mobile bank provides the following features:

• Quickly receive all information about bank card transactions by sending SMS or automatic notification.
• Replenishment of cellular communication by sending a request indicating the number and amount. An important point is the ability to pay for any number.
• Receive alerts with the current account balance.
• Possibility of blocking. This feature will be very useful in case the card is lost or stolen.
• Ability to pay for various services.
• Making money transfers.
• Easy Internet banking.
• Quick repayment of loan payments.
• Disconnecting and connecting services.

It is worth paying attention to the fact that Sberbank Mobile banking services allow you to make money transfers. To do this, it is enough to know the phone number of the owner. In addition, the amount is specified in the request, and the recipient's details will be found automatically.

Mobile Bank Features

Mobile bank Sberbank has two different packages - full and economical.

If you connect an economicalpackage, the client will not receive SMS notifications during transactions. In addition, the functionality of the service will be limited to performing standard operations. But there are also advantages. For example, there will be no subscription fee for such a service, and each SMS request sent independently will be charged separately.

Register with the full package of mobile banking services, and then you will receive all the relevant information on your cards. But for this, a monthly fee will be debited from the account. With the help of the mobile banking service, the client has all the possibilities to be served remotely with comfort. So, let's talk about each tariff in more detail.

Mobile Bank Savings Rate

As we already understood, the mobile banking service is used via phone and has two tariffs. What is an economy package? It does not matter which tariff you choose when connecting the service, there will still be quite a lot of opportunities. So, you can make payments, transfers and other useful operations without visiting the bank.

Undoubtedly, the system of mobile banking services at an economical rate will not work fully, but with some limitations. But with not too active use of online services, this will be enough. Moreover, there is no monthly fee for it.

Terms and Conditions for the Economy Package

• Sign up for mobile banking with a new card, and the connection will be free for anyonecard type.
• If there was a re-registration in the system, then when fixing the main card - the source of debiting funds, the service fee will also not be charged.
• SMS notifications about receipt, debit and other operations for this package are not provided.
• When requesting a balance on a card, making other financial transactions, the request will cost 3 rubles.



• A request for a card statement about the last 5 transactions costs 15 rubles.
• It is possible to block the card if it is lost or stolen. This service is free.
• Suspend the service or change the package (free).
• Make payments, for example, utility or credit (free).
• When requesting information about which cards are connected to the service, no fee is charged.

Be sure to take into account the fact that the fee can change at any time.

Full Mobile Bank Rate

This tariff is great for those who actively use mobile Internet banking for constant control over expenses and managing account balances. When you connect this package, you can perform a huge number of actions at any convenient time - block cards, pay off debts, find out up-to-date information on the balance and much more.

When working with this tariff, you can perform any operation absolutely free of charge and without any restrictions. But at the same time, the client will be charged a monthly fee. The size will depend onwhat type of card. Mobile banking costs 30 or 60 rubles.

Full Plan Terms

• Register for mobile services using a new number and a card to be charged (free of charge).
• Re-registration in the service, that is, changing the number of connected cards, including the main one (free of charge).



• Automatic notification of income, expenses and other transactions on all available cards within the first two months after service activation (free of charge).
• Notice after two months - 30 or 60 rubles per month.
• Request information about your debit or credit card account balance - free of charge.
• Request the last five transactions on a card of any type and level - free of charge.
• Free card blocking in case of theft or loss.
• Payments to third parties.
• Request information on cards connected to the service.
• Disabling or blocking the service.

How to connect mobile banking?

Mobile banking system is connected in several ways. You can do this at a bank branch, at an ATM or through a contact center.

Connection at branch

This method is used by almost all bank customers. As a rule, this is carried out at the stage of issuing a plastic card. The contract simply indicates the tariff and phone number to which the service will be provided.

The service is also connected withinuniversal agreement, which includes the services, products and capabilities of the bank.

Connection via ATM

The system of mobile banking services can also be connected to ordinary ATMs, which are found at almost every step. First you need to insert the card and to access the menu, enter the pin code. Next, on the screen you need to click the "Mobile Bank" button and click "Connect".

This whole operation is free. If you need automatic SMS notification, then an additional fee will be charged.

Connection via contact center

If there is no free time to visit a branch or go to a self-service device, you can connect to the service remotely. To do this, you need to call the customer service and tell the operator about your desire.

Slight identification is required when using this method. The employee needs to provide the full name, date of birth and the secret word on the card. After providing all the information, the employee will create an application for connecting the service.