Bankin’ is a French mobile application that was launched in 2011. It allows its users to have total control over their personal finances by bringing together all their banking information within a single platform. Thanks to this application, it is possible to follow in real time the transactions carried out on different bank accounts, to establish a forecast budget or to be alerted in the event of an overrun.
One of the main features of Bankin’ is its compatibility with more than 350 European banking establishments. The user can thus centralize all their financial data without needing to use several separate applications.
Credit offers offered by Bankin’
In order to help its users finance their personal projects, Bankin’ also offers interesting solutions such as the “Bankin’ Crédit” personal loan. This offer stands out in particular for its speed since it is possible to borrow up to 1000 euros without proof or guarantee in just a few minutes.
The Bankin’ personal loan is a consumer loan whose amount can vary between 100 and 1000 euros. Repayment takes place over a period of 3 to 12 months with fixed monthly payments, which allows the borrower to control their budget.
To benefit from the Bankin’ personal loan, you simply need to be a user of the application and be at least 18 years old. The request is made directly from the application, without the need to visit a bank branch or provide additional documents.
The Bankin’ sponsorship system
In order to expand its user community, Bankin’ has set up an interesting sponsorship program for existing users. By inviting their friends or loved ones to join the application, they can earn up to 20 euros per registered and active referral.
The conditions to benefit from sponsorship are simple: the godchild must create a Bankin’ account, add at least one compatible bank account and carry out a transaction from the application within three months of registration. Once these steps have been completed, the sponsor automatically receives the bonus in their bank account associated with Bankin’.
The different offers and features offered by Bankin’
- Multi-account management: bring together all your bank accounts (current accounts, savings, loans) within a single interface.
- Expenditure categories: Automatically classify your transactions by category to better visualize your expenses and adjust your budget accordingly.
- Estimated budget : establish a monthly budget based on your income and fixed expenses, then monitor its evolution throughout the month.
- Custom alerts: be notified in real time of movements on your accounts (authorized overdraft, insufficient balance, etc.).
- Synchronization with partner banks: automatically update the data of all your accounts thanks to the secure connection with more than 350 European banking establishments.
The advantages and disadvantages of using Bankin’
The Bankin’ application has several advantages for its users. Among these are ease of use, compatibility with a large number of banking establishments and the fact that it is free in its basic version. Additionally, the referral system allows loyal users to be financially rewarded when they invite their loved ones to join the app.
However, some disadvantages should also be noted. Some users may be put off by the fact that certain advanced features are only accessible via a paid subscription (Bankin’ Pro). Additionally, despite the company’s security efforts, some people may be reluctant to entrust their banking data to a third-party application.
The cashback offered by Bankin’
Finally, it is important to mention the cashback offered by Bankin’. Thanks to this feature, users can benefit from discounts on their purchases at certain partner merchants. To benefit from it, simply use your bank card linked to the Bankin’ account when paying and the discount will be automatically credited to the account.
Cashback can represent a significant advantage for regular users of the application who wish to optimize their spending and make savings on their daily budget.
In conclusion, the Bankin’ application presents itself as a complete and effective solution for managing personal finances. Its numerous features (multi-account management, categorization of expenses, forecast budget) as well as its interesting offers (personal loan up to 1000 euros, sponsorship) make it an essential tool for those seeking to better control their budget. However, some disadvantages remain such as the need for a paid subscription to access advanced features or even fear about the confidentiality of banking data.
