Mobile Banking App

Digitalisation has brought a revolution in the banking sector. A good mobile banking app means 24×7 access to your bank account. Transfer funds, spot frauds quickly and set up a live chat with an executive right away for help. An app saves your trips to the bank and offers easy banking from the comfort of your home. If you are considering a new mobile banking app, do check for these features before installing it on your phone. Read on. 

  1. Online Investments 

Investment opportunities in mutual funds, stocks, fixed deposits and recurring deposits must be offered on the banking app. The bank’s partnership with NPCI will make sure you can invest in mutual funds using UPI. Online Sovereign Gold Bonds, equity, debt, large-cap and multi-cap, ULIP, insurance and ELSS funds investment are now at your fingertips. View your investment portfolio on the app and opt for recommendations. 

  1. Advanced Security

SIM binding feature is built on the top online banking app for highly secured banking. You need to log in via user ID and password or mobile number and MPIN. Subsequent logins can also be done via Face ID or fingerprint scanner (biometric). 

  1. Zero Fee Banking 

The best online bank offers an app with absolutely free services. This is applicable for more than 28 savings account-related activities. It includes:

  • money transfers (IMPS, NEFT, RTGS) 
  • fund deposit
  • debit card/ chequebook issuance
  • ATM withdrawals and 
  • cheque re-issuance.
  • POS transactions

There are no fees on DD, pay order issuance and 3rd party withdrawals. No ECS return fee and decline fee at ATMs for low funds. Users can track, analyse and manage expenses as well. Personalized offers are also available across categories like dining, travel and lifestyle on the mobile banking app. Find exactly what you are looking for 

  1. Quick Services 

The top mobile banking app will ensure users make secure payments, UPI transfers and bill payments instantly. Get pre-approved loans instantly at attractive interest rates and flexible tenures. The best one lets you experience one-swipe banking. It means simply swiping to view your investments. Fixed deposits are easier and faster to book with just 2 clicks. 

  1. Robust Support

A good app makes it easy to solve queries. Get in touch with a bank executive via live chat and video calls. Ask for personalised recommendations on loans, get your bank account linked to the app, or get help opening a savings account. They are available just a text or call away to avoid delays/ Use the new mobile banking app to connect to experts who ensure that you enjoy a seamless online banking experience throughout the year. 

  1. Easy Set Up

Download it from the App Store or Google Play Store. Login using your credentials. Now you enter the mobile banking dashboard to get started. Make sure to go through the terms and conditions before using the baking app. 

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IDFC FIRST Bank’s Optimus App offers all these discussed features. Get it today and start fulfilling your financial goals. Enjoy convenience and dependability while banking. 


Originally posted 2023-10-17 14:08:48.


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