In the two and a half years of monobamk development, the app has developed quite a few features that are not obvious to the user who first downloaded the app. Today I will share my top 10 of these hidden features for the bank app monobank.
When developing an application, especially when you have a lot of customers, it is very tempting to add more and more features to the application, because among 2 million customers there will always be a few percent, and that's tens of thousands of people, who will need even the most outlandish or rare feature. And, it would seem, what is wrong with that?
You satisfy the customers' need, you solve their pain, you help them fulfill the tasks they have. But, on the other side of the scale, the application becomes overloaded, there is so much functionality in it, it becomes so complicated and incomprehensible that it becomes too much for new clients and they decide simply not to start working with this application.
That is why we make these functions, which are rarely used or used by a small number of clients, inconspicuous. So that they do not interfere with other clients and do not take away this feeling of simplicity. But, nevertheless, these features are still cool and useful. I think that many of you will be interested in them.
Top 10 hidden features of monobank application
#10 - copy card number
On the main screen, if you pull the card to the left, it will appear full screen. You will see its number and expiration date. If you tap on one corner of the card, it will flip over and you will see the CVC code. If you tap on the card number and hold it a little longer than usual, the number will be copied to your clipboard. This is convenient if you are filling out a form from your phone where you need to enter card details or if you just want to give your card number to a friend or customer.
#9 - prompting for card number from a long message
The next function is also related to entering the card number, but now, when you need to send money to the card of another bank. Let's say you have received a message with a lot of text, the amount to be transferred and the coveted 16 digits to be entered for sending. You can copy the whole text of the message, go to the section transfer to card and you will have the card number to which you need to transfer money as a hint. You don't need to highlight it in the text of the message, nor enter 16 digits by hand - with one tap you click on the card number and then enter the transfer amount. It is much more convenient and faster.
#8 - currency exchange rates and convenient support messenger
The last item in the tapbar menu at the bottom of the application is called "More". It contains many different functions. For example, you can choose how the support staff will address you. And also at the top there are currency rates of dollar and euro to hryvnias. And it is understandable. But if you click on any of these rates, a more complete list will open, in which you will see not only the dollar and euro, but also other popular currencies. And also, if you're traveling and it's not a Eurozone country or the US, one of these rates will be replaced by the rate of the country you're currently in.
Function #7 - selecting a card from a contact
Transferring money to friends, acquaintances, relatives from the contact book without commission - it is the most popular feature of our app. And it turned out to be so simple, because we started the application with the postulate that each client has only one card - a black monobank card. And so there was no need to choose which card to send money to. So sending money was reduced to selecting a contact, entering the amount and done. When we added to the application the possibility to open additional cards in dollars, in euros, in zloty or white card, we thought for a long time about how to make it so that on the one hand you can send money not only to the black card, on the other hand not to add another step. And that's how this feature came into being. If a monobank customer has more than 1 card, you can pinch your finger on this contactYou can choose not only black cards, but also white cards or even, for example, euro cards. You can choose not only a black card, but also a white card or even, for example, a euro card. This brings me to the next feature.
#6 - transfers between cards of different currencies
When the beneficiary card and the sender card are in different currencies you have the option of which currency you want to enter the payment amount in. To do this, you just need to click on the currency icon on the amount entry screen and it will flip between the recipient's card or the sender's card. The payment will always be made in hryvnias, because in Ukraine it is the only way to make payments. But, if you choose a currency other than hryvnia, the amount will be automatically recalculated at the rate that will allow the recipient, for example, to buy the necessary amount of currency.
Transaction list - is a history of everything that happens with your card. There are not only successful transactions, but also transactions that failed for whatever reason. Either there were not enough funds, or the correct pin-code was not entered, or a million other reasons that could have led to the transaction not going through. This is also where we send messages when we want to send something from the bank to the client.
#5 - deletion of unsuccessful transaction
Especially for customers who like to delete read e-mails from their e-mail inbox and who want to see only successful transactions in their transaction lists, we have made it possible to delete unsuccessful transactions, as well as messages from the bank. To do this, just make a small swipe to the left, the button "Delete" appears and thus you delete this message. This is how deleting works in many application lists.
#4 - payment confirmation via check.gov.ua
If you have made a payment to someone from the monobank application and the recipient asks you for confirmation. You can go to the details of the transaction, to the statements and you will see the code. You can click to copy it and send it to your beneficiary, and the beneficiary only needs to go to check.gov.ua, paste this code and get all the information about the payment and confirmation that it was made.
#3 - transaction search
Search and filter by statement. There is a small icon with a magnifying glass in the upper right corner of the statement. If you click on it, a search bar will appear. You can type the name of the merchant there and thus find the transaction that you forgot about or that you want to look at now. But, sometimes you don't remember the name of the merchant and you don't remember who the payment came from. What you do remember is that there was a payment. There is a filter for that. You can choose the period, you can choose the type, you can choose the category of the merchant in which you made this payment and thus, if you narrow your search to just 2, 3 transactions, you will find what you are looking for.
#2 - Easter Egg by mono
The next feature is a very recent feature that came out at the beginning of the quarantine is the Easter Egg game, which will help you just have fun. In order to play the game, you need to pull the statement down as if you want to update it. A cat on a rocket will appear. If you manage to catch the cat, the app will enter space invaders mode and you will fly on the rocket with the cat, dodging meteorites and the COVID-19 virus while saving other cats. Have a good game.
That's what it looks like: https://vm.tiktok.com/ZSaKahjh/
#1 - rub your phone to transfer money
The last feature is quite popular, but nevertheless, there are still customers who don't know about it. It is called "Shake to pay". Let's say you need to transfer money to a person who is not in your contact book and is near you. It can be a waiter to whom you want to tip not in cash or a cab driver who doesn't have change from 100 hryvnias or a hairdresser. You can use your phone with the monobank app open and then you will see him in your app, you can click on his avatar, enter the amount and send money. That's it, without sharing any personal data. I really like this feature and I will give a small announcement, soon it will be used not only for p2p payments.
These were my top 10 hidden features and functions in the monobank app. Write in the comments how many of them you knew, and which ones you often use. If you liked this video, subscribe to my channel. Here is a lot of interesting things about monobank, as well as about smartass and koto, reviews of new crash games, tips and advice. Lucky jet strategies, Crash, Plinko and more.
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