Smartphones have changed the way, that an individual does banking on an everyday basis. Through online banks, you can now get access to services that were only available at a traditional bank branch. Apps like the SBI, Axis, Kotak, ICIC and HDFC mobile banking apps, provides a wide range of amenities that will cater to your banking needs.
However, before opting for these apps, certain features must be evaluated and verified, to ensure that they match your financial needs.
The following are important features you will need to evaluate before you opt for the banking app:
Fees: Most banks offer the mobile banking software free of charge. In other words, the banking institute itself won’t charge you for downloading and using the app. You will need to verify these charges with your bank to ensure that no specific services within the app, provided by the bank, are charged. However, your network carrier may charge you for certain services and functions. For example, you will be charged for the standard internet usage or any messages you will send through the app.
Deposit Limit: Most of the banking apps provide the service which allows mobile check deposits. Some of the popular apps that provide this service include SBI, Axis, Kotak, ICIC and HDFC mobile banking apps. With this, you can easily get checks transferred using only the app on your mobile phone. However, certain banks will have particular limits on their deposit values, depending on certain factors. This would include timeframes, account types and other additional factors. Therefore, ensure you are aware of the deposit limits before you start making plans to use this service for a long term.
Technology Requirements: Like any other apps, the banking apps will also have specific technology requirements. For example, one Android banking app may require one OS version, whereas the other may need a higher version. Similarly the same can be said for the iOS versions. Even more, these apps may also offer certain features for smart watches too. But like the apps, they too would require specific platforms to function.
Easy to Use: Only the best mobile banking apps will be easy to use. These apps should have an interface that is easy to use especially with your fingertips. If simple functions cannot be performed even with simple taps or swipes on your phone, then it would be more appropriate to use the browser, with the purpose of the app being lost. Therefore, it makes more sense to opt for apps that are designed with an easy to use interface. Some of the popular choices include SBI, Axis and HDFC mobile banking apps amongst many others.
Apart from these features, there are plenty others that you can evaluate and consider. However, in the end, you must ensure that all your requirements are met, without any compromise on your finances.
However, before opting for these apps, certain features must be evaluated and verified, to ensure that they match your financial needs.
The following are important features you will need to evaluate before you opt for the banking app:
Fees: Most banks offer the mobile banking software free of charge. In other words, the banking institute itself won’t charge you for downloading and using the app. You will need to verify these charges with your bank to ensure that no specific services within the app, provided by the bank, are charged. However, your network carrier may charge you for certain services and functions. For example, you will be charged for the standard internet usage or any messages you will send through the app.
Deposit Limit: Most of the banking apps provide the service which allows mobile check deposits. Some of the popular apps that provide this service include SBI, Axis, Kotak, ICIC and HDFC mobile banking apps. With this, you can easily get checks transferred using only the app on your mobile phone. However, certain banks will have particular limits on their deposit values, depending on certain factors. This would include timeframes, account types and other additional factors. Therefore, ensure you are aware of the deposit limits before you start making plans to use this service for a long term.
Technology Requirements: Like any other apps, the banking apps will also have specific technology requirements. For example, one Android banking app may require one OS version, whereas the other may need a higher version. Similarly the same can be said for the iOS versions. Even more, these apps may also offer certain features for smart watches too. But like the apps, they too would require specific platforms to function.
Easy to Use: Only the best mobile banking apps will be easy to use. These apps should have an interface that is easy to use especially with your fingertips. If simple functions cannot be performed even with simple taps or swipes on your phone, then it would be more appropriate to use the browser, with the purpose of the app being lost. Therefore, it makes more sense to opt for apps that are designed with an easy to use interface. Some of the popular choices include SBI, Axis and HDFC mobile banking apps amongst many others.
Apart from these features, there are plenty others that you can evaluate and consider. However, in the end, you must ensure that all your requirements are met, without any compromise on your finances.
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