Tinkoff Mobile Wallet: pay, hold and help from an application

Imagine that you can pay for all online purchases, utilities, mobile communication and mobile Gosuslegi phone - just a couple of Taps, and the money sent to the account, and you do not take a single cent Commission. You can send money to friends, though in any way: through social networks, e-mail or even a phone number. You are no longer dependent on the availability of terminals and do not pay commission. And all this is possible in the free app Tinkoff Mobile Wallet.

Every time when you need to throw money on mobile, pay account online games or to pay for an apartment, you have to go out and look for a terminal or to pay a fee for translation. What to say about borrowing from friends or collecting money, for example, a gift the boss - you have to collect all together or take each one at a time. With mobile wallet Tinkoff these problems to fold a pair of touches. How is this possible? Read below.

Just start

You download free iOS app (By the way, and there is a version for Android), Enter your mobile phone number to receive a verification code via sms and enter it into the form.

After that you only install the quick access to your security PIN-code, and you can use the application. No further data such as passport data input is required.

Then it is necessary to fill out the profile, if you are going to transfer money using Facebook and Vkontakte, you need to log in to the profiles and, of course, give the application access to your data. Of course, you can do it later.

No fees for use of the application will not be charged, so that if you just remove it with you will not require any payment. That's all you've installed the app, it's time to test its capabilities.

Virtual Card and its completion

Once you have got the profile in your application, you have a virtual prepaid card Tinkoff. In your profile you can see two categories: top up and withdraw money.

Add funds virtual card can be in any convenient way: for details of virtual cards through the ATM (in the annex have a map with marks ATMs) with your credit card or even a QR-code.

Here you can see the profile limit of transactions per month - 40 thousand. rubles. If you exceed this limit, the commission is 2% of the transfer, and not less than 90 rubles. Once you have filled up to its virtual card, you can pay bills, receive and take money from other users Mobile wallet.

Easy identification of applications

Most recently enacted a law to limit anonymous payments. Now anonymous users can not transfer money to each other, to send payments to foreign companies and online stores (non-residents), non-profit organizations.

If you need to transfer money to a friend or pay for goods in a foreign online store, will have to authenticate, but it can be done quickly and easily, without leaving the application.

Send a request to identify, specify your data, and after some time all restrictions are removed.

In the fall of 2014, this process will become even easier. Add easy identification: it will be enough to provide a real-time three props.

Payment in two touches

In the menu on the main page, you can see three points, select the "pay" and see what you can do with the application. On top of a menu items are: mobile communications, utilities, internet, e-wallets, public services, etc.

Each item fill in a form sufficient, for example, enter a phone number, if you need to throw money into the account, or fill out the code and payer pay period if paying for utilities.

Not to re-enter data, you can create a template and use it every time you need to make money. The first pattern is created in the application automatically - this is your phone number. Now, in order to pay for any services you need only go to your template and click "pay".

No more overdue fines, trips to the terminal for the payment of utility and even more so for mobile payment. Mobile wallet like those who often forgets to pay for internet. You will not need to get out of the house at any time of the day or night - two tapas in the application and you are back online.

If you frequently make purchases via the Internet, mobile wallet will be your best friend - transfer money to any e-wallet - by WebMoney, Yandex. Money, Visa Qiwi Wallet and others listed in the application list, and purchase paid.

As for the Commission, in the application it will not be charged, but with you can take money for the transfer of the bank itself, in which you transfer funds. For example, Yandex.Money or Webmoney charge a fee in the region of 2-3%. More precisely, you can learn at the bank.

Send and receive money

A special feature applications - the ability to send money to your friends and receive payments from them. You can send money to any person from your list of contacts, including people from the social networks and more.

Go to the "Send" menu item, choose the method of sending Vkontakte or Facebook (if you registered in the social networks, you will see a list of all their friends), the telephone number from the address book or e-mail.

Specify the amount to transfer, leave a comment, you can even have a photo and send.

Your lucky friend gets notice in the social network, to e-mail or sms, sets itself Tinkoff mobile wallet application and its virtual account is the amount you listed.

After that you can safely ask him for money through the app. This feature is in the tab "request." This displays a list of people who already have a mobile wallet Tinkoff. The request is sent using the same scheme: select a contact, add a comment - What do I need the money, photos, and send.

This simple money transfer scheme can be useful in any situation. For example, if you rent an apartment, you can transfer the money to the lessor on time, and if you give up - quickly send the payment, instead of having to call and even more so for the person to come money.

Freelancers can get your fee in a few minutes, and no steam to transfer to a bank.

Well, if you sometimes need to borrow money from friends or relatives, the process is accelerated by several times. For example, you go to the store for a new laptop, and the place it turns out that by buying the best option separates you a couple of thousand rubles. Instead of coming back, you fotkat laptop of your dreams, send a photo to a friend or family member to ask for help and receive a gift.

By the way, to withdraw the money, you can just as easily without the commission: a bank card of a Russian bank, the bank account to the account of a mobile operator or bank account in TCS.

Always aware of costs

So you always know where the money today, yesterday or last week, in the application includes a complete history of your operations. Here you can view payments, indicating the date, time and destination, transfers to friends and generally all of your retirement.

In the tab "receipt" shows the history recharge your card with a personal remittances or gifts from friends and acquaintances. Thus, you can always find out about its operations to the nearest minute.

This will be especially useful for informal payments, for example, the same transfer of money from tenants apartments, or simply forgetful users who periodically question: "Where are money?".

conclusion

As you can see, the application possibilities of Tinkoff Mobile Wallet cover almost all spheres everyday life, ranging from mobile phone accounts and ending with a simple loan from friends or relatives.

At the same time it convenient and beautiful interface: round icons with portraits of contacts, your avatar is on the main, white and blue menu. As a result, the application is not only convenient, but also a pleasure to use.