ICD Online (Internet bank and mobile application)

Main article: Mobile applications

2023: Ability to install on iPhone in bank offices

Customers Moscow Credit Bank (MKB) will be able to install mobile application on iPhone in offices. bank For January 2023, the service is available in the Neva Towers branches in "" and in the Moscow city office on Tsvetnoy Boulevard, but by the end of the first quarter it will be possible to install MKB Online in all branches of the bank, which announced this on January 23, 2023.

ICD independently developed and implemented the software. It is completely secure for users and does not have access to client personal data, passwords, photos, videos and any other files associated with the user's device. The developers also integrated mechanisms into the program that exclude the possibility of subsequent installation of extraneous applications on client devices without his knowledge.

The installation of the mobile application "MKB Online" (version 3.56.1) takes place in the presence of the user from the MKB laptop. The client will be able to personally control the process, and the bank's consultant, if necessary, will comment on each step. If the user already has a mobile application "MKB Online" below version 3.56.1, then if desired, it will be possible to update it to the latest valid version.

{{quote 'Our team has successfully implemented an alternative option to install ICD Online on the iPhone so that customers can comfortably use banking services using their smartphone. Opening deposits, paying utility bills using a QR code, money transfers, buying OSAGO or train tickets, booking hotels - these and many other services will become available again after installing the application, - commented Alexey Okhorzin, head of the MKB retail block. }}

With the help of the MKB Online mobile application, the client, among other things, will be able to transfer money by recognizing a handwritten phone number using a smartphone camera. ICD presented such a service in July 2022.

The bank installs the MKB Online mobile application for free, and before visiting the branch, it will be necessary to take a passport and an iPhone with an operating system version at least 11.0. You do not need to sign up in advance, the service will take place in electronic order, and the bank's consultant will answer client questions that may arise during the installation process.

2022

Implementation of remote identification via EBS

Moscow Credit Bank (MKB) September 6, 2022 announced the implementation of a remote Internetbank identifications customer service for opening an account using. Unified Biometric System (EBS)

The service is completely safe, as convenient as possible and saves the user time to gain access to the ICD product line. Without a visit to the office, the client will be able to issue products, make payments and transfers, and perform other banking operations.

The registration process is completely remote. For authorizations the Internet ICD bank, the client must undergo remote identification. To do this, you need to submit biometric data and have a confirmed entry for. portal "Public services" After filling out the questionnaire, the user remotely signs a banking agreement and gains access financial to ICD services and products. Thus, you can become a bank client without leaving your home.

{{quote'It is extremely important for credit institutions to build fast, effective and transparent communication with the audience in remote channels. The launch of a remote identification service using biometric data allows us to offer people high-quality and technological products anywhere in our country, regardless of the presence of a bank branch. It is important for us that with the minimum time spent, the client gets access to the maximum number of banking services, - commented Vladislav Ermakov, head of the department for the development of remote banking services at MKB. }}

Using Phone Number Recognition Technology

Moscow Credit Bank (MKB) uses phone number recognition technology developed by the Russian company Smart Engines in its MKB Online mobile application. Smart Engines announced this on July 4, 2022. Read more here.

The technology developed by the Russian company Smart Engines is available to owners smartphones on and. operating systems iOS Android To scan in the "" section, Translations select the "By phone number" item and click on the icon on the right side of the field. In addition, the owners iPhone after authorizations in the mobile application will be able to quickly go to the translation screen by number, phone simply shaking their smartphone.

Additionally, holders of the Mir card payment system in the Privileges section can familiarize themselves with up-to-date information on current shares for card purchases. If the client does not have a valid card, then in the same section you can open it by clicking on the "Issue Card" button.

Car Subscription Launch

On April 7, 2022, the Moscow Credit Bank (MKB) announced the launch of a car subscription in the MKB Online mobile application.

Subscription is an alternative option for purchasing a car. Unlike leasing or car loans, the service does not require a down payment and both individuals and legal entities can use it. The ICD client does not need to register the car and pay the annual transport tax. In addition, the dealer also pays for scheduled maintenance, insurance of casco and OSAGO, as well as tire fitting and seasonal storage of rubber.

ICD offers by subscription premium sedans and crossovers Mercedes-Benz (E-class, GLB and GLC) and BMW (2, 4, 7 series, X1, X2, X4,) from the ABTODOM dealer. It can be issued for 6 or 12 months with a mileage limit of 15,000 and 30,000 km. Next, the client will be able to buy the car at the residual value or take a new one by subscription. Now the service is available in Moscow and St. Petersburg to citizens of the Russian Federation from 25 years old with a minimum driving experience of 3 years.

To subscribe, you will need a passport photo, driver's license and a client selfie. Approval of the application takes no more than an hour.

You can leave an application in "MKB Online" in the "Services" or "Garage" section. Next, you need to select the car, and then send the necessary documents in the chat and agree on the conditions with the ABTODOM manager. After the approval of the application, you need to come to the dealer to sign the papers and pick up the car.

A car subscription is an opportunity to arrange a long test drive or purchase a car on flexible conditions, unlike a classic loan. We simplified and accelerated the application procedure by integrating the service into ICD Online. I am sure that the list of cars will increase due to the models and brands in demand by our clients, - said Vladislav Ermakov, head of the remote banking department of MKB.

2021: Ability to open up to five goal-linked savings accounts

On November 9, 2021, the Moscow Credit Bank (MKB) announced the optimization of the usability of the mobile application and the MKB Online Internet bank.

Customers got the opportunity to open up to five savings accounts and tie them to certain goals. Users of remote services bank have now become more convenient to plan and save for any life goals: travel, tuition, wedding or just fulfilling a dream.

In order to open a funded account online, in the "Issue" section, select "Purpose" and "Open an account." After confirming the transaction, determine the purpose and come up with its name, set the term and the desired amount to accumulate - the bank will display the amount of the monthly transfer. Customers with a savings account already open can immediately select "Target" in the "Issue" section, set the name, term and amount of accumulation. The interest rate - up to 7.5% per annum - is applied and accrued on the total amount of funds stored in all accumulative accounts of the client.

In the mobile application and Internet bank, challenging transactions in the card statement also became available. In case of an unpleasant situation, the client can promptly send an application to the bank. To do this, select "Card Operation" and click the "Disagree" button. Next, indicate the reason and describe the situation, and if necessary, clarify it in the comments that will help the bank's specialists quickly enter the course of business. Then click the "Submit a claim" button, by the number of which you can track the status of your case.

Another novelty in the mobile application and the ICD Internet bank was the ability to quickly change the client's registration data. To do this, in the "Profile" section, select the "Settings" tab, then "Passport and address," then follow the instructions on the screen, and before completing, be sure to attach photos of documents.

Bank customers can now view and download the loan agreement in the "Info" tab, as well as get quick access to ICD services when clicking and holding the icon of the "ICD Online" application. For example, make a transfer of funds by phone to a card, pay for the goods using a QR code, use payment templates in the corresponding section.

2020

Availability of the ICD Travel service

On October 15, 2020, it became known that the MKB Travel service, which allows you to purchase air and railway tickets, as well as rent cars while traveling through the MKB Online mobile bank, became available to customers of the Moscow Credit Bank (MKB).

We understand how our customers missed traveling in the open world and offer a service that, we hope, in the very near future will become a comfortable and popular travel planning tool. MKB Travel is not only about the convenient format of receiving the service, but also about the real benefit, - commented Tatyana Bryukhina, head of the card business development department of MKB. - In the near future plans to add hotel reservations to the list of available services.

The service is implemented with the support of one of the online services for travel planning OneTwoTrip and is available to all users of the MKB Online mobile application.

Smart Engines Integration

Moscow Credit Bank (MKB) has introduced Smart IDReader technology from Smart Engines to recognize passport data of customers, bank cards and barcodes. This was reported on August 26, 2020 in Smart Engines. Smart IDReader technology is used in the mobile application of MKB Online Bank. Read more here.

Start issuing digital debit cards

On June 11, 2020, it became known that the Moscow Credit Bank (MKB) began issuing digital debit cards. Any cards in the packages of card services "Profitable," "Premium" and "Exclusive" are available for order. Release and activation is carried out instantly in the mobile application and does not require visiting the bank's office.

A digital card can be opened in a two-click mobile app if you are our customer. In order to take advantage of a profitable loyalty program and current bonus categories, you do not need to meet with couriers or visit the bank's office. The functionality of digital cards and the conditions for their service are completely identical to the analogue in plastic. Tie the card to your smartphone by adding it to your mobile wallet and carry out all the usual transactions both on the Internet and on pos terminals, - commented Tatyana Bryukhina, head of the card business development department of MKB.

Moskarta payment systems Visa, MasterCard and Mir are available to all existing customers of the bank. For full use, the card must be tied to an electronic wallet on an Android or iOS device.

Moskarta holders are charged up to 5% on the balance of their own funds, and free cash withdrawals are also available in the amount of 3 thousand rubles at ATMs around the world. With these cards, ICD customers receive up to 5% of ICD Bonus points in two categories of increased points accrual to choose from and 1% for other purchases.

Moskarta Black is one of the best debit cards according to the portal Выберу.ру. It offers cashback in three different categories to choose a client up to 7%, income for the balance - 5%.

A multicurrency service is available to cardholders.