The banking system, which has existed for thousands of years, now fits in our pockets with the effect of technology and digitization. He hardly goes to bank branches for almost any transaction, many actions from our phones or tablets, or even from our smart watches. We can even do it.

In the age of digital banking, you can easily do this wherever you are. 10 most useful actions we have brought together for you. These may include features that even those familiar with banks may not be aware of.

Convenience of being a customer at the bank every two minutes:

Open an account in your own name with banks, As easy as opening an account on social media platforms has become. Collecting documents, going to bank branches, waiting in line, submitting documents and waiting for the transaction to be completed that existed years ago have now been replaced by just a few keystrokes.

In addition, some banking services do not even have to register their new customers from the branch, but directly to internet banking directs.

Copying and pasting IBAN is also outdated: Sending/receiving money with techniques such as QR Code

Exchanging money with loved ones or someone else has been possible for years from our mobile devices. However, these processes with new and safe technologies in developed state.

Now instead of typing a person’s IBAN address and name to send money, paths such as “array code” or “easy address” We can apply. For this, it is enough that a person sends or receives money to send you the QR code or you send him a QR code.

The process is started in just two seconds by scanning the QR code in the camera.

Ability to access your other bank accounts from a single banking app

We can say that many bank customers still don’t know this application. Are you a customer of more than one bank andI wish it was just one app, but I didn’t keep switching between three different appsIf you say ‘you don’t have to say it’.

Now in the mobile applications of all banks access your accounts with other banks occasion is included. All you need to do is allow this access on your most used banking app.

After this permission you can see through a bank how much money you have in your accounts with other banks, from different bank accounts in the same app You can transfer money.

Be able to own and manage a credit card in a short period of time

Not so modern, life-saving solution for the modern world. If you need a credit card, to apply for a new credit card You can use mobile applications from banks.

After pressing a few buttons during the application, if the result is positive, your eligibility for the credit card will be assessed. Send cards with a certain limit is provided. The whole process takes 2-3 minutes maximum. It only remains to wait for the card – or not?

We said credit card, not necessarily physical: create a virtual credit card

We said that the digital world, credit cards, which are one of the indispensable parts of individual finance, naturally keep pace with this world. Now you can use your new credit cards without waiting for them to reach you, you may not be asking for a physical credit card at all.

For this you can request a virtual credit card from the bank where you are a customer. Follows the same evaluation process as physical cardsIf the result is positive, your virtual credit card will be available for use within the same second after your approval.

Of course, if you go shopping in a place with people around you with a virtual credit card, your card details displayed on your phone’s screen. Try not to show it to other people.

If the expenses you make during the day are bothering you, you can pay in installments at home in the evening.

We have a credit card, we spent it. However, we were a bit lacking in control or were not given the option to pay in installments when paying at the cash register. Banks are now offering solutions for such situations with digital banking.

After selecting your credit card expenses on the “Expenses” pages in internet banking and mobile banking applications, You can pay in installments.. In addition, many banks charge 0 or very small interest on this transaction.

Of course, not every transaction can be paid later or in the same number of installments. It is useful to read the conditions of your bank for this.

Earn interest by keeping even a small amount in your account

Banks are institutions on which money and economy run and contribute to circulation. Of course, they don’t like empty accounts either. So that the bills are full “Future Accounts” or “Savings Accounts” provide applications such as

While many banks have a lower basic limit on the amount of money in these accounts, some banks do not have this limit. They may charge interest even on the very small amounts you deposited into your account. For this it is useful to research the banks.

You also don’t have to keep track of your payments on a daily basis: Set up payment instructions

You regularly send money and make payments to multiple accounts on specific days of each month. But you don’t have to do all this by hand every month. digital banking, automate your payments also offers.

Thanks to this function, which is called “Transfer Order” in many banks, on a certain day of every month, send a certain amount to one or more accounts you can program. You also have the freedom to determine in advance how many months this position will last.

Ability to set yourself limits on spending

Let’s say you can’t draw your limits precisely, you spend too much on your credit card, or you have trouble understanding exactly where your money is going. Advantages of digital banking There is also a solution for this.

About the requests from banks control options where you can track your spending consists. You get to see how much money you spent on what and even how much you spent on a goal in that month.

In addition, for these purposes and for certain places, it may make adjustments to allow the bank to alert you through the application, “Warn me if I spend 300 TL” You can enable features like

While tracking your expenses how much to cut You can understand it much better.

Tax and scientific institution/organization payments

Not only the banking industry, institutions and organizations and even government offices have now switched to the digital world. From HGS payments to tax paymentsYou can make many payments from YKS exam fees to driver’s license fees through internet/mobile banking services of banks.

In addition, they have agreements with contracted banks. to cryptocurrency exchanges or exchange platforms You can send money, make your investments.

#partnership