Mobile applications for smartphones are becoming more popular every day, and the availability of financial transactions is now impossible to imagine without Internet banking. That is why in the 21st century a bank should not only be reliable, but also “go beyond” its offices.

This fall, Raiffeisenbahn JSC launched an updated Internet bank Raiffeisen-Online, we talked about it in.

Today we decided to test the operation of the free mobile application of Raiffeisenbank, to find out if it is convenient to use, to understand what the new geofencing service is and how it works.

You can install a mobile bank on your smartphone using google.play services (for Android) and iTunes.apple (for iOS).

In the main menu of the application, you can find information about the addresses of the nearest ATMs and branches, current bank promotions, exchange rates, discounts in the nearest stores, get advice from technical support specialists, and also go to Raiffeisen Online to make financial transactions.

To access mobile banking, you need to log in. How to get an account in an online bank, we told in. In the mobile version, the user must enter their username and password.

In the menu that appears, the cardholder has access to information on their accounts and cards, as well as other products - loans, deposits, mutual funds. In addition to viewing information about your finances, you can make money transfers and pay for services in a mobile bank.

Raiffeisenbank has one of the highest penetration rates of active users (who make payment transactions) in the online bank - 31%, that is, almost a third of customers use online banking. According to statistics, half of all transactions in the Internet bank and mobile application are payments for services. While testing the service, we also tried to replenish the account on a mobile phone.

The push notification service for money transactions in mobile banking is the safest way to confirm. The access code can only be obtained on a mobile device where the online banking application is authorized. This method of obtaining one-time passwords is more reliable than SMS codes, since it is sent without the participation of a cellular network operator, which does not give fraudsters a chance to replace or intercept it. In addition, if earlier you had to remember the code and enter it within the first two minutes, then using the push service, the generated code is automatically inserted into the confirmation field, the user only needs to press the OK button.

The money came to the account in a few seconds and no commission was charged from us for this.

In the mobile bank, you can also track the history of your expenses, automatically simulate their schedule.

Another interesting innovation was the geofencing service. On the main page of the application, select the "Discounts" section. In it, the client is offered a map of the city, on which stores and companies are marked that provide discounts for Raiffeisenbank cardholders.

When a user approaches a certain outlet at a distance of less than 300 meters, the application displays a pop-up window on the smartphone with up-to-date information about discounts. This function, by the way, can be easily enabled in the settings.

The user can also select the offers he is interested in by product categories and find out the store's opening hours:

It is worth noting that Raiffeisenbank's mobile service is becoming more popular every day, because most transactions take place in a few clicks in real time. While on vacation, you do not need to look for a bank branch or ask friends to top up a mobile phone account or transfer money to a card, because all you need to do is open the mobile banking application on your smartphone and make transactions yourself.

The Raiffeisenbank mobile application allows you to save time, and most importantly, to quickly and easily carry out financial transactions on your card without commissions and delays.

The Raiffeisenbank R-Connect mobile application allows you to manage your accounts, perform transactions and interact with the institution using your mobile or tablet.

R Connect App

Before using all the functionality of the application, the client needs to download and install it on his smartphone.

Download

To use R-Connect features, you first need to download the application from Raiffeisenbank. You can download it in the App Store or Play Market for Apple or Android devices, respectively. You can also use iTunes and Google Play.

iPhone and Android

Install the Android app using the following instructions:

1. Sign in to your Google account using your ID.
2. Find the Raiffeisenbank application through the search. To do this, you must enter the name of the bank or short Raiffeisen, Raif, you can also use the names in English letters.
3. Click Install.

For iPhone, you can download the application according to the same principle using an ID and a password.

Windows

Development of applications for other platforms is planned in Raiffeisenbank, but today it is not available to download it for Windows. In view of the large number of requests for creating a Windows application from users, management is planning this development.

Install

The Raiffeisenbank application can be downloaded and installed not only by existing clients, but also by ordinary users.

But if for the first the list of possibilities is very extensive, then for the second only the following are available:

• Specify the location of offices and ATMs of Raiffeisenbank;
• Get information about branches;
• View news;
• Calculate loan data on a calculator;
• Use the deposit calculator.

You can install the Raiffeisenbank application using these options for free. There is also no charge for using the app.

Mobile app features

The Raiffeisenbank application for Android and iPhone allows the client to view the balance on their accounts, check credit card debt, and also perform some banking operations on their own:

• Pay for the services of mobile operators, housing and communal services companies and other service providers;
• pay off a loan;
• Top up Raiffeisenbank cards from cards of other institutions;
• Transfer money between your own accounts;
• Send transfers to cards of other financial institutions;
• Send funds to Raiffeisenbank customers;
• Make currency exchange transactions (the exchange rate is more convenient than in Raiffeisenbank branches);
• Make payments to government agencies (taxes, fines);

Also in the Raiffeisenbank mobile application, the user can receive the following information about their products and perform the following operations with them:

• Generate an account statement by setting a period;
• View completed transactions;
• Control costs in the Cost Accounting service, incl. in dynamics;
• Make deposits, supplement them, withdraw interest;
• Buy mutual funds;
• Open new accounts;
• Connect SMS service to receive notifications about the movement on the account.

In addition, the client has access to information about the location of self-service machines and branches, partner companies offering discounts, a list of promotions within the framework of the Discounts for You project.

In case of loss or theft of the card, the owner can block it through the mobile application, which is the fastest way to respond and reliably protect funds from fraudsters.

Settings Features

After you have downloaded the Raiffeisenbank application for iPhone or other device, you need to prepare it for ease of use.

1. Go to R-Connect;
2. If the user does not have notifications configured, they will be prompted to complete them. Click OK;
3. In the Confirmation Methods section, which is located in the upper right corner for Android and in the side menu for iOS, you must specify the name of the device (for example, iPhone);
4. A code will be sent via SMS to confirm the settings, which must be entered;
5. Your device will appear in the list.

If you need to convert push messages to SMS notifications, you need to go to Settings - Cost Accounting. Next, you need to disable push.

Conclusion

The Raiffeisenbank mobile application allows you to perform the main types of banking procedures remotely. The list of application features is somewhat smaller than that of the Internet Bank, but Raiffeisenbank plans to expand them. Today, the application is available for Android and iPhone. The Raiffeisenbank application for Windows has not yet been developed.

Each company strives to provide a high level of customer service, today one of the indicators of quality service is the availability of a functional online application, this is especially true for banks. Raiffeisen Bank has created the possibility of full-fledged account management through Internet banking and mobile banking, you can download the Raiffeisenbank application for Android absolutely free in the Play Market.

What is a proprietary application of Raiffeisenbank. Key features

Almost all Internet banking functions are available in the Raiffeisen Bank (R-Connect) mobile application. The main goal of this program is to provide the client with the possibility of remote account management, with the provision of maximum functions and a high level of security.

The list of functions that are available to an individual after entering the personal account of mobile banking:

1. Viewing the balance and access to the history of operations;
2. Special service for cost accounting;
3. Setting limits on cards;
4. Transferring money to cards of Raiffeisenbank and other banks;
5. Repayment of loans;
6. Payment without commission for utilities, mobile communications, service providers, etc.;
7. Payments to the state budget without additional commission costs: fines, taxes, state duties, etc.;
8. Transfer between Raiffeisenbank clients by phone number or email address;
9. Replenishment of own card from cards of other banks or using electronic money;
10. Free opening of accounts in any currency (except the first one);
11. Currency exchange at a favorable rate;
12. Transfers from foreign currency accounts, including abroad;
13. Replenishment of transport cards without commission Troika and Strelka.
14. Opening, replenishment and withdrawal of deposits in any currency;
15. Informing, for example, news about changes in the system of fines and taxes;
16. You can inform the bank about a trip abroad;
17. You can grant access to holders of an additional card, as well as to any other family member (after presenting a power of attorney).

The bank also developed the first banking application for children, Raiffeisen-Start, which will help in learning financial literacy, budget planning, controlling expenses and saving money for the desired purchase.

How and where to download the program for Android, iPhone or on a computer

You can download the application from the links provided on the official website. You can access your personal account in the following ways:

• Get a login and password when signing the contract;
• Use the connection form at the link https://online.raiffeisen.ru/#/login/connect (you need to know the card number, expiration date, CVV code, have a phone with a financial number at hand);
• At any Raiffeisen ATM (must have a card and know the PIN code);
• By calling the call center - 8 800 700 9100 (passport data and the answer to a secret question are needed).

Program connection algorithm for iPhone and Android:

1. Take a gadget with iOS 9.3 or Android 4.2, at least 512 MB of RAM and enough free space (depending on the OS), provide normal access to the Internet (Wi-Fi);
2. Go to AppStoe / GooglePlay and write Raiffeisen or Raiffeisen in the search bar;
3. You can download the Raiffeisenbank Online app for Android for free using the direct link https://play.google.com/store/apps/details?id=ru.raiffeisennews, for iPhone - https://itunes.apple.com/ru/app/ rconnectsmart-application/id557857165?mt=8.
4. After downloading the program, you need to install it;
5. Activate the card: enter the card number, full name, pin code (To learn more about how to do this, click here).

Differences in capabilities between the application for individuals and legal entities

Individual entrepreneurs can use the mobile application to perform the following actions:

• View account balances and generate statements;
• View debit cards issued to the current account;
• Transfer money in rubles;
• Make payments to the budget;
• Transfer money from the IP account to the FL account;
• Save and send account details to partners.

For business, the bank has developed a new application "Raiffeisen Business". The main goal is to provide the ability to control and manage accounts anywhere and at any time, using the following functions: viewing the current balance and transaction history; making payments in rubles to other banks; sending details to partners by SMS or E-mail.

For legal entities in online mode, the functions of currency transfers are not available; opening accounts, deposits and loans.

You can download the Raiffeisenbank Business Online mobile app at https://www.raiffeisen.ru/business/dist/mobile/.

What to do if the application does not work

If something does not work for you, you made a payment incorrectly or you need additional advice, please contact the round-the-clock hotline - +7 495 777 1717 (for Moscow) or 8 800 700 00 72.

The technical support service is open from 9.00 to 18.00 (except weekends): 8 800 700 99 95; +7 495 225 91 92 (for Moscow).

You can also email [email protected]

To protect yourself in the process of using the mobile application, you need to adhere to the following rules:

1. Download only the official app;
2. Use complex passwords;
3. Do not share your login information with anyone;
4. Use only trusted devices to log in;
5. Log out of your personal account after completing your work.

Thanks to the R-connect mobile application, a Raiffeisenbank client can quickly and safely manage personal finances from a phone or tablet. Why not pay fines, taxes and other payments online? Moreover, at the entrance, for example, to a shopping center, the application reminds you of all kinds of promotions. What does a personal account look like in R-connect and how to use the program?

Advantages and disadvantages of R-connect

By connecting the application, the user receives the following advantages:

• the ability to exchange currency at favorable rates;
• open accounts and deposits without contacting a bank branch;
• freely pay fines and taxes;
• fully or partially repay loans;
• view all expenses and incomes on card transactions;
• thanks to the connected geolocation, search for the nearest ATMs;

Another unique feature of the application is geofencing. This feature tracks the customer's location and then displays hints about promotions in the area. For example, a user is walking down the street, passes by a clothing store and does not know that they have set big discounts. At this point, he will receive a notification on his phone. Thanks to this approach, it will always be good to save on purchases.

If necessary, each client can instantly block his card through R-connect Raiffaisen. But the application also has a slight minus - you can’t get a loan on it.

How to download R-connect for Android and iOS

To download and install the R-connect Raiffeisenbank mobile application for an Android smartphone, you need to:

• log into your personal Google Play account https://play.google.com/store/apps/details?id=ru.raiffeisennews ;
• find the program in the search line;
• click "Install";
• after that, you will be logged into R-connect Raiffeisenbank.

To download R-connect for iOS, you need:

• register in the iTunes Store;
• go to the App Store https://itunes.apple.com/ru/app/rconnectsmart-application/id557857165?mt=8 ;
• find the application in the search bar;
• apply the password and ID received during registration.

If a user wants to feel all the advantages of a mobile bank, then the easiest way is to go to the official website and connect to R-connect. After that, a password will be sent to the phone number in a message. The method works if there is a valid bank card.

Transfers and payment

In a personal account, personal cards and accounts are available on the main screen of the application. If there is no bank card, then you have to go and draw it up. By the way, any account can be opened immediately from the application. It is easily replenished, money is freely transferred.

You can open new accounts. The following currencies are available:

• Swiss francs;
• Japanese yen;
• pounds;
• Euro;
• rubles;
• american dollars.

After installation, the client will have access to:

• payment for mobile communications from a bank card;
• money transfers to cards of other banks;
• money transfer from one card to another, etc.

To simplify actions, users have the ability to make templates. You do not need to check the data and re-type the necessary parameters. Just click "Submit" and the transfer will go through.

Since the bank cares about the comfort of customers, the SMS operation codes do not even need to be manually entered. After all, most people are angry five-digit codes. You need to minimize the application, open the message, remember the codes and reopen the program. Instead of a one-time code, R-connect offers users automatic input from push notifications. You can click on "Translate" and the rest of the actions will take place without the participation of the client.

Mobile App: Where can I find more information about R-connect?

Separately, it should be said about currency exchange at favorable rates. No need to travel anywhere to change money. You should select the debit / credit account and carry out the desired operation. It will be in the "Journal of Operations".

Who can use the app

The R-connect mobile application can be used by all users. Moreover, it does not matter whether a person is a client of the bank or not. However, for a simple citizen, only basic functions are available:

• study of banking news;
• obtaining detailed information about all departments;
• search for the nearest ATMs;
• using loan calculators.

At the same time, it is safe to work with the application, as it is reliably protected. But do not forget about simple rules:

• do not leave the phone unattended;
• do not give it to third parties;
• to share personal data with other people.

So, for managing personal finances, connecting R-connect would be a great idea. The application helps Raiffeisenbank clients to keep track of various promotions and their expenses/incomes. R-connect is very easy to use, making it accessible to everyone.

For smartphones on iOS and Android platforms. Raiffeisen-Online has replaced the previous R-Connect application. In the new version, the interface has been completely redesigned, family sharing of products has been implemented, and accounts of individual entrepreneurs have been displayed.

“Last year, we changed our online banking development strategy and will no longer separate mobile and web versions. Our task is to fully synchronize the application and the Internet bank. In the new mobile application, users have access to all our latest innovations from the Internet bank, for example, access for holders of additional cards, including non-bank clients, individual entrepreneur accounts for users who are both individual clients and individual entrepreneurs. In the near future, it will be possible to share your products with family, relatives or friends.”

This is how Natalia Masarskaya, head of e-business at Raiffeisenbank, described the new mobile application in her interview.

As in the previous version of the application, Raiffeisen-Online will retain all financial management capabilities, including remote management of savings accounts and deposits, current accounts and loans, as well as the ability to make the entire list of payment transactions.

At the same time, the interface and architecture of the mobile application were completely redesigned. Now, on the main screen, the user can perform all the most popular operations: replenish accounts, make transfers (including from cards of other banks, recognizing the card number not only from a photo, but also via NFC), pay for services or change currency. In addition, see a single transaction history for all products and use transaction templates. On the main screen, the client can configure the display or hiding of the total balance for all his accounts.

For easy access to the full list of client products, the developers have created a separate product "shutter" that works on the principle of a control center. It is available on the main screen. With one movement, the user can raise it and at the same time see all the products, their balances, view the statement, and also perform basic operations for a specific product. The application adapts to the user: if the client has only one product, the “curtain” will not be displayed.

Launching a new app is not an end point, it will add new functionality over time. In the near future, users will be able to perform active operations on the accounts of individual entrepreneurs - transfers between their accounts, as well as to counterparties and to the budget. Now users can see the account balance, generate a statement, send and save account details.

Also, as part of the family sharing of accounts, customers will soon be able to make active transactions on them: pay a mortgage or consumer loan together, make transfers from accounts or deposits, create common savings goals, and also make a single analysis of spending on several cards.

Access to Raiffeisen-Online for customers has been open since November 13th. The application has already been adapted for the iPhone X. The old version of the mobile bank will work until the end of this year, so that all customers have the opportunity to switch to the new product in a comfortable mode.