Tatra banka defends its championship, reveals its trump cards

Gone are the days when we had to handle our banking matters in person. Today, you can handle most common and demanding financial matters online. Internet banking or mobile banking are already a common part of life for us.

Smart Banka 2020 brings a nationwide competition for the best banking applications in Slovakia. The vote was launched on 19 January 2021 and will run until 28 February.

The transfer of money or the display of the balance on the account will no longer upset anyone

It is no longer just about basic functions. Every banking application offers money transfers, the creation of standing orders and the display of an account balance. This year, Tatra banka is trying to defend last year’s championship and has added many useful innovations to its application. It pleased not only ordinary users, but also the most demanding.

Investing in mutual funds

In the Tatra banka mobile application, clients can open up investment savings in mutual funds. Whether or not they have an open investment account. The whole process is simple and clear, so everyone can open up investment savings.

The detail of the mutual fund account is reworked to the smallest detail. It is worth mentioning, for example, the graph of the development of the value of the investment account or the possibility to enter an extraordinary payment into investment savings.

Opening several savings accounts for a current account

The client can open up to 15 savings for a current account, each of which can have its own name. In addition, he knows how to save in different ways:

• Card savings – the client decides what percentage, or the maximum or minimum amount will be paid to the savings account with each payment by card.
• Regular savings – the selected amount will go to the savings account on a monthly basis.
• One-time transfer – It is also possible to contribute to savings once.

Change of payment card delivery address

There are situations when the bank sends a new or renewed payment card to the client. In these cases, one of the new features may come in handy, and that is to change the delivery address of the payment card. The function is available for card or current account holders and automatically applies to all additional cards.

Better security of payments with a one-time card number

In times of pandemic, this feature will definitely come in handy. Today, people mostly shop online. During this process, it is necessary to enter data from the card. The one-time card number for internet payments can be used only once, and therefore the client is sure that the data from his card cannot be misused.

How to pay with a one-time card number on the Internet:

• Select the one you want to pay from the list of cards.
• Click the “Internet Payment” button.
• After confirming with your PIN, the application will show you one-time card information that you will use for payment.
• Done.

Opening a Trade Account

It is also possible to open a Trade Account in the Tatra banka mobile application. In addition, the bank will automatically report this account to the tax office. In the first year, the maintenance of such an account is automatically free of charge, and in the following years also if at least EUR 500 comes into the account non-cash every month.

If the client has a Trade Account set up in Tatra banka, the bank will be able to provide financing much more easily on the basis of turnover, for example in the form of a pre-approved loan.

Payme: For quickly sending money between friends

Payme is a new service that is rapidly gaining in popularity. For example, it allows you to quickly settle for a joint lunch, divide expenses between friends and so on. The user pre-fills the payment order in his application and generates a link, which he sends to a friend, for example via a favorite chat service. He clicks and then just confirms the payment in his application.

Digital credit card

The digital card is a novelty that few may know. Before you get to a physical credit card, which takes several days to produce and deliver, you have it available in digital form in the application almost immediately after signing the contract, and you can use it immediately, whether for online payments or mobile payments.

In addition, the digital card immediately offers all the basic functions such as changing daily limits, blocking the card, overview of movements and the like.

Chatbot Adam is a bit wiser again

Adam’s popular chatbot is also undergoing constant improvements. Users can contact him with their questions. It can help, for example, with updating documents, blocking the card, changing limits and a number of other requirements.

If it happens that chatbot Adam does not know how to reply, it automatically redirects the user to the operator.

Google Pay and improved payment card visuals

Mobile payment is in vogue today and especially it is a very practical way of payment. If the client decides to use the Google Pay service, he can add his card to it directly in the Tatra banka mobile application with just a few clicks. The bank has also updated the display of payment cards in the application, which results in a better user experience. Based on the card design, the client already knows which account he belongs to.