Tatra banka vs KtoCoMal

With Tatra banka app you are the first in Slovakia to: - open a current account, student, self employed or business account completely online, - take a loan online within a few minutes even if you are not yet our client, - manage your finances anywhere, anytime. The bank app is for mobile devices with iOS 16.0 or higher and available also on smart watch. Top functionalities of Tatra banka application: 1. Online current, self employed and business account opening and digital lending* with secure Face biometrics technology 2. Cash withdrawal from Tatra banka ATMs by mobile 3. Overview of accounts and loans - View balances and movements, ability to respond to received payment, optional overdraft report, monthly statement in PDF 4. Payment card management - Set daily limits on a debit or credit card as needed, blocking the card, displaying a PIN code, one-time card number 5. MaFin finance management - prediction of expenses and balance for the selected period, categorization of expenses, setting goals, monitoring assets and liabilities 6. Online opening of Investment savings in Mutual funds 7. Payment order, invoice and IBAN scanner, standing order management and SEPA direct debit 8. Push notifications about account and credit card movements 9. Map of branches and ATMs, exchange rates, contacts 10. Activating VIAMO payments to phone number 11. Customer support via chatbot Adam – in the app Adam will help with changing the contact data, card limits, display the card PIN code, set up b-mail for a credit card 12. Lite version of the application for easier and more intuitive access to account information, cards, savings or loans. The Lite version is an ideal solution for students, young people as well as all users who want to orient themselves faster in the complex world of finance 13. Display of balance and last movements on the smart watches. As a Tatra banka client you have a unique opportunity to use mobile payments via Apple Pay. If you have any questions, ideas or need to solve a specific problem, please contact us: - via e-mail address iphone@tatrabanka.sk or - through contacts on the Tatra banka website www.tatrabanka.sk/en/about-bank/contacts/. *in this process, the app receives a device identifier for the purpose of displaying offers and information about the bank's products in third-party applications on that device. You can turn off this identifier in your phone's settings. For more information, see www.tatrabanka.sk/privacy_policy.

One pays. Everyone taps their own. KTO·ČO·MAL splits a Slovak e-kasa receipt between everyone at the table. You pay the whole bill, scan the QR code on the receipt and share a link. Each person taps what they had on an exact copy of the receipt, sees their share and pays you straight from their banking app. Nobody retypes or adds anything up. HOW IT WORKS 1. Pay the whole bill, as usual. 2. Scan the QR code on the receipt. The app loads the receipt straight from the e-kasa system and adds your name and IBAN. 3. Share the link via iMessage, WhatsApp, Slack or e-mail. 4. Everyone marks their items and pays. ALL THEY NEED IS THE LINK The link opens in any browser, with no install, sign-up or password. Only the person who pays needs the app. - Quantities: two of the three colas are yours. - Sharing: a pizza for three is a third each. - Fair discounts: item discounts stay with the item, loyalty discounts are split pro rata, or you keep them. - Tip of 5, 10 or 15 % in one tap. - The page speaks eight languages, for colleagues from abroad too. - The whole receipt can be downloaded as a PDF. THEY PAY THE WAY THAT SUITS THEM - payme: a tap opens their banking app with the payment ready, sent as an instant payment by default. - PAY by square: a QR code that almost every Slovak banking app can read. - EPC QR (SEPA): for colleagues whose bank is abroad. - Copy the IBAN, amount and message in one tap. Amount, recipient and message are filled in. The money goes straight from their account to yours. KTO·ČO·MAL never holds it and never takes a cut. PRIVACY FIRST - No account, sign-up, analytics or ads. - Your name, IBAN and receipt history stay on your iPhone. - The data in the link sits after the # sign, which browsers never send to the server. The server sees neither the receipt nor your account. - Receipts load directly from the e-kasa system of the Slovak Financial Administration. IN THE APP - A history of every receipt you've scanned, searchable by shop, item or amount. - Enter your name and IBAN once. - Choose the page language your colleagues see and whether receipt-wide discounts are shared. GOOD TO KNOW KTO·ČO·MAL is an independent app and is not affiliated with the Slovak Financial Administration. It works with Slovak e-kasa receipts that carry a QR code. A receipt issued offline appears in e-kasa only after a delay. Calculated amounts are an aid: always check the amount and recipient before paying.