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VUB Bank introduced its updated mobile and internet banking platform last year. This review examines the submission, focusing on its design and features to determine its overall rating.
The mobile application and internet banking are built upon an electronic banking solution used by nearly three million bank clients across seven countries within the Intesa Sanpaolo group, one of Europe’s largest banking groups.
The review begins with the installation and login process for “VUB Banking,” the application’s name.The app was downloaded and launched on a mobile device.
Quick Installation Process
Table of Contents
Upon activation, bank clients have two options: entering an 8-digit code received via SMS and displayed in VUB Mobil Banking, or scanning a QR code. A PIN code creation follows.
The app supports biometric login, and setting a “puck code” for unlocking after incorrect PIN attempts is essential. The activation process is quick, with clear on-screen instructions.
Review: A closer look at a popular bank’s updated mobile app.
Enhanced Security Features
The bank prioritizes client security with features like a digital code for internet banking login, a one-time password for confirming online payments generated within the app.
Visa Inspire Gold credit card holders can create one-time virtual cards for online payments. The “Geocontrol” function limits credit card use to the EU territory, reducing abuse risks.
User-Friendly Interface and Online Solutions
The homepage displays products like current accounts, savings accounts, and credit cards, with recent payments visible. The design is modern and clear, facilitating easy navigation.
The app enables online solutions, such as setting up term accounts in multiple currencies, one-time investments, and investment savings, eliminating branch visits. Non-purpose loans are also accessible through the app.
Savings accounts are separated from current accounts. The app allows users to transfer euros into a savings account daily, with “flexisporation” rounding up card payments to the nearest euro. Saved money is not immediately visible in the balance, discouraging spending.
Credit card limits and settings can be adjusted easily within the app, a significant improvement from previous in-person bank visits.
Fast payments
The app features an interactive icon for quick access to scanning payment QR codes, IBANs, variable symbols, and constant symbols. Holding a finger on the appropriate box activates the scanning function, saving time.
users can create payment partners and designate them as verified accounts, allowing payments up to 3,000 euros without a PIN code. Payments can also be sent to a phone number without knowing the account details, with no amount limit.
The app facilitates requesting payments from friends via push notifications,allowing users to specify different amounts for each person.
Improvements Over the Previous Version
Compared to the previous version, the updated app includes:
- A modern visual change with a white font on a black background.
- A digital code login method for internet banking.
- Separation of all savings products from the current account.
- Renaming of the “withdrawal from ATM” service to “Mobile withdrawal.”
- Closer alignment between internet banking and the mobile application.
- More modern solutions and features.
Advice
The updated mobile banking application offers clear fund management,easy investment options,and credit card repayment through the app. The overall evaluation is positive, recommending it to bank clients as a modern and reliable solution that meets current banking application standards.
While adapting to the slightly modified design and menu arrangement may take time, the app’s functionality will quickly become part of daily use.
