How to easily manage your personal finances with a new bank application "Discovery"

Fortunately, many banks are aware of it in the first place regularly update mobile applications, providing customers with the opportunity to solve more and more diverse financial issues instantly and from anywhere the world. One of the notable events of the year - the emergence of a new version of the application of the bank "Opening", which I'll tell you.

How to obtain the map of "openness"

I felt comfortable service from receipt of the card, because it can be ordered for a few minutes after application. Now free shipping is available in 32 cities of Russia, but the bank is actively developing in this direction, so that soon you will be able to get the card almost anywhere in the country.

When ordering from the application offers to select one of two cards: Travel or "Lukoil", each - in two tariffs. The next update will be another - "Map of Fun." Maps offer a different set of privileges and bonuses - choose the one that suits you.

For example, the Travel Card will appeal to those who travel frequently or business trips. For every $ 100 spent with the card, you get 1.5 rubles to the bonus account, with which you can pay for air tickets of any company and book hotel rooms at the hotel.

By the way, if you order a map of the application, after your first purchase on bonus account credited 800 rubles, and for the first 6 months of service fee will not take.

Registration application

When you first start to register by entering the card number (manually or using the built-in scanner) and the code of the SMS, and then come up with an access code. To faster and more secure to enter the application, you can connect the access Touch ID.

The application can block the card with just one touch. However, it is not surprise anyone. But the fact that you can unlock the card in the same way - nice and important feature.

Until now, a little unusual, that complex banking transactions can be performed in a few seconds. Because of this, a feeling that all this is unreliable and unsafe. Therefore, experts of "openness" separately emphasize that the security they pay particular attention to: conduct regular audits and quarterly data encryption it is confirmed.

The main screen of "My Money"

Application meets the calm and clean interface. At the top of the main screen shows the rates of buying and selling foreign currencies. In the "open" you can exchange currency directly in the application, with the course on weekdays during business hours would be very close to the stock exchange (important during holiday times and in conditions of unstable ruble).

Swipe to the left opens a screen that indicates how much money is on your accounts and cards and in what currency. Agree, it is convenient to plan the budget, when all is before your eyes.

Below are the payments and transfers patterns. Conveniently, the most common operation for which we enter the application, you can save into templates and do right from your home screen, without having to spend time traveling through the tabs and menus. Moreover, in order to pay even faster operation patterns can be found in the iPhone search, not going into the app.

The template is created in two ways:

• Save the operation immediately after.
• Select the "Payments" desired operation and click the "Create a template."

At the bottom of the screen shows all your cards, bills, loans, deposits and other banking products, "Discovery" and their balance sheets - clearly, understandably and logically. Collected everything, including the information on the loan (term of payment and the amount of regular payment) and data on the contribution of the expected return.

By the way, to open a deposit, you also do not need to go to the bank: a few clicks needed to select the input and calculate income. The rate on deposits that are opened online, always higher than those that are made in the department. Benefit twice: and bet more and go nowhere is not necessary.

If you open the map screen in the upper right corner you will find the button "Useful." It hides detailed information about the map: fare, bonuses, the conditions of free service and many more. The developers promise that will soon be a section with discounts on the cards.

Cool stuff - accounts. I once read about a curious financial control system using paper envelopes. On the day you pay Expanding money in envelopes "for apartments", "On Food", "On the purchase of a laptop," and so on. Accordingly, in a certain purchase goes to a suitable envelope.

The basic idea is that you realize how much you have free money (they can spend on impulse), and reduces the risk of getting into a situation when you do not have enough to eat.

Account in the application can be customized just for using this system. Create several "My piggy banks", rename them as you are comfortable, and scatter them on the money. In fact, get a financial plan for the month.

What is left on the card - your free money. When you need to spend money on something from the "envelope" for a couple of seconds, you throw part of the amount from the account of the card and pay off.

Payments and Transfers

The ability to pay utility bills without leaving home we can surprise except my grandmother. Yet the focus a little bit on how to implement the payment application in the "Discovery".

The application can be paid:

• transport cards;
• mobile communications;
• Utility services;
• the Internet;
• home phone;
• a television;
• loans in the "open" and other banks.

You can also send money to e-wallets (Qiwi, «Yandex. Money "and others). All of this quickly and in a few tapov. While lacking the possibility of payment of traffic fines, but the developers promise to add it soon.

If the desired service provider, while not in the list, you can transfer money to the bank account. Usually this is a very tedious and time consuming method of payment, but the developers of "openness" simplify the lives of users. If you enter a nine-digit BIC, the remaining details of the recipient bank will be tightened automatically. And by the way, do not forget to save the template in order to repeat the payment in a couple of touches.

Transfer money to other people, you can at the phone number (if it is a customer of the bank "Opening"), on the card number or the account (if it is a large amount).

Between their accounts and cards, you can flip the money as you want and as much as necessary. Any such operation takes no more than a few seconds.

All transactions are stored in the history, so that later you can easily repeat them or create templates. Unfortunately, while it is impossible to order and send yourself an extract in a row, but this feature is already being developed.

The balance of the card can be recharged in ATMs of "openness", the location of which can be found in the appendix. But even faster and more convenient to do it with a card of any other Russian bank, without leaving the application: the card number can be dialed manually or photograph.

Support service

I was annoyed by people who are too formally communicate. It seems so much energy and time is spent on these high-sounding speech and writing speed, which does not remain on the resource issues.

Remembering is not only banking but also other areas, I can confidently conclude that the best specialists helped me to communicate simply, less complex designs in speech, the ability not only to phone, but also to get in touch messengers, little adequate humor, which, like it or not, helps to relieve stress and take a look at a different issue angle.

Therefore, support of "open" can be called one of the reasons that you should choose the bank card. To solve the problem, simply write in the chat. And you will answer understandable in human terms, and even mood will lift. Plus, you do not need to choose the time and somewhere to be alone during the workday to call the help desk.

Impression of the app

I have left a positive impression. Simple intuitive interface, logical navigation, a variety of functions, in which it is easy to understand, humane support, quickly answers the question - in the whole sense of caring about the users, and this, of course, nicely.