This is how the new Spanish banking apps work
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Mobile payments are no longer a thing of the future. They are available now Although some manufacturers want us to use mobile phones like credit cards, it is the Spanish banks already have many options to pay without carrying your card, thanks to payments through the Internet or using the NFC contactless technology of some terminalsAll this from the mobile, without carrying the wallet. But what are these options? How do they work? Here we show you the most representative ones.
BBVA Wallet
The BBVA bank has always opted for new technologies, and for this reason it is one of the first to launch BBVA Wallet in May 2015. With it, users can pay from their mobile using NFC (Near Field Communication, which allows contactless data to be sent). However, it surprises by allowing activate and deactivate credit cards, to insure each of transfers, either from the mobile or buying online through the computer. So no one else can use them even if they have your data. All this with the possibility of make everyday purchases and benefit from loy alty offersexclusives.Of course, if the customer wants to manage all their products and know their accounts in detail, they must download the application BBVA separately. Both are free and are available on both Google Play Store for mobile Android, as in the App Store for iPhone
Bankia Wallet
Something similar happens with this application of Bankia In your case, this tool allows you to select from which card or account is to be paid using NFC contactless technology It also allows surcharges for mobile phones with prepaid accounts, make deposits in accounts, request moneyand consult the movements of the client's accounts.Again, if you want to carry out more complex movements or operations, or consult the products purchased by the user and the state of your finances, you need the independent application Bankia . In any case, they are applications both free, available on Google Play and App Store
ImaginBank
La Caixa has gone one step further by developing its mobile application ImaginBank And, far from proposing a mobile payment service, it has developed a completely new product, focused on smartphones and with the young audience in mind. In this way, customers can have access to basic issues such as keeping accounts, reviewing receipts, making transfers or checking invoicesIt also allows you to manage cards, make send money to friends and, of course, pay with your mobile phone All this without commissions if you are young. Of course, this service is exclusively mobile. Other users of La Caixa must download CaixaBank Pay to use the technology NFC of their mobile phones such as a credit card, or the CaixaBank application to checkyour current purchases and contracts with this entity.
Santander Wallet
Following the scheme, the bank Santander also has a wallet application. With it it is possible to use a rechargeable virtual card to make safe purchases over the Internet, send money between friends or consult the movements of the user's account.It should be noted that, as in BBVA, it offers an extra security barrier such as the possibility of blocking and activating the cards of the user at will A tool available on Android and iOS
Twyp
Something different is the mobile application of ING Direct, also focused on young audiences and to sending money between friends With this tool the user can make deposits or transfers almost as if they were a WhatsApp conversation is You just have to register, enter the bank details, start to chat and to send and receive money from contacts. Of course, with this application you cannot pay with your mobile.Only to friends who put money for the user. It works like an intermediary, moving money from your regular account to Twyp, and then transferring it to contacts with no fees. Also available for major platforms: Android and iOS
Ibercaja Pay
In the same line we find the application of the bank Ibercaja, where the user can request pending payments to your friends and contacts, or pay them if you owe them with a simple operation. A registration as a user along with the bank account, and it is already possible to make money transfers in a couple of screen touches, without accessing the credit card in every occasion. Of course, is not useful to pay in case you forgot your wallet at home.It is available at Google Play and App Store
And many more
Other banks such as Sabadell, EVO or BMN, among many others, have also developed their mobile applications to pay from your mobile or carry all the finances up to date And this device has become more than a window open to customers: it is a tool for day to day. And now there are more than banks to try to capture the attention of users and help them with their accounts, although banks seem to have made a move on this game.
