10 Transactions You Can Do Without Going To The Bank

The banking system, which has existed for thousands of years, now fits in our pockets with the effect of technology and digitalization. He does not go to bank branches for almost any transaction, many operations 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 it from wherever you sit. 10 most useful actions we have brought together for you. These may include features that even those who are familiar with banks may not be aware of.

Ease of being a customer of the bank every two minutes:

Opening an account in your own name in banks, As easy as opening an account on social media platforms has become. Collect documents, go to bank branches, wait in line, submit documents and wait for the transaction to be completed, which existed years ago, have now been replaced by pressing a few buttons.

Moreover, some bank services do not even need to register their new customers from the branch, they directly to internet banking is directing.

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

Exchanging money with loved ones or someone else has been something that can be done from our mobile devices for years. However, these processes with new and safe technologies in developed condition.

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

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

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

We can say that many bank customers still do not know about this application. If you are 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 to your accounts in other banks opportunity is included. All you have to do is allow this access on your most used bank app.

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

Being able to own and manage a credit card in a short time

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

After pressing a few buttons during the application, your eligibility for the credit card is evaluated, if the result is positive. sending cards with a set limit is provided. The whole process takes 2-3 minutes at the most. It remains only to wait for the card – or does it not?

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

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

For this, you can apply for a virtual credit card to the bank you are a customer of. Following the same evaluation process as physical cardsIf the result is positive, your virtual credit card will be available for use within the same second as your approval.

Of course, if you are going to shop in a place with people around you with a virtual credit card, your card information that will be reflected on the screen of your phone. Try not to show it to other people.

If the expenses you make during the day bother you, you can pay in installments while sitting at home at night.

We got a credit card, we spent it. However, we missed a bit of the rope or we were not offered the option to pay in installments when paying at the cashier. Banks now offer solutions to such situations with digital banking.

After selecting your credit card expenditures from the “Expenditures” pages in internet and mobile banking applications, You can make the payment in installments.. Moreover, many banks apply 0 or very small interest on this transaction.

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

Earning interest by keeping even a small amount of money in your account

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

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

You don’t need to keep track of your payments day-to-day either: Setting up payment instructions

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

Thanks to this feature, which is called “Transfer order” in many banks, on a certain day of each month, sending a certain amount of money to one or several accounts you can program. You also have the freedom to pre-determine how many months this post will take.

Ability to set yourself limits on spending

Let’s say you can’t draw your boundaries exactly, 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 a solution to this as well.

On the applications of banks control options where you can track your expenses exists. You are presented with how much money you have spent on where and even how much you have spent in that month for a purpose.

Moreover, for these purposes and for certain places, it can make adjustments to let the bank warn you through the application, “Warn me when I spend 300 TL” You can enable features such as

As you keep track of your spending where and how much should you cut You can understand much better.

Tax and scientific institution/organization payments

Not only banking, institutions and organizations and even government offices have now moved to the digital world. From HGS payments to tax paymentsYou can make many payments from YKS exam fees to driver’s license fees via 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.

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