bnext take advantage of the milestone of having reached more than 90.000 users and the more than 75 million euros spent through it to completely redesign your app incorporating the contributions and requests made by its customers, making it more intuitive, cleaning y much faster.
For whoever has just met bnext, the first thing we have to tell you is that it is a alternative to traditional banking, 100% mobile and without banks in between, that we refunds the fees that others charge us and allows us to manage practically everything from the smartphoneIt is not a typical bank, but an electronic money institution that operates with all regulatory guarantees and is committed to... digital banking model where the user chooses the products they want to purchase.
Through the Bnext app, which has just launched a new and improved version, you can Easily request a free prepaid card And without any conditions whatsoever. We'll have it up and running in a few hours, and what's more, when you pay with it you get discounts, commission refunds, access to third-party financial products and different options for sending, receiving, and controlling our money.
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News of the new Bnext app
With the information and suggestions provided by Bnext users, the company has updated its app with numerous advantages, prioritizing one 100% mobile experience and secure. Now, in addition to what it already offered, the application integrates more features typical of a online electronic money account with individual IBAN or advanced digital wallet (depending on the product purchased), which allows you to perform debits, receive transfers and manage recurring payments such as payroll or subscriptions in some plans.
Among the most notable improvements and features are things like:
- La easy viewing of discounts and refunded commissionsso that you always know how much you are saving.
- Watch the daily and monthly expenses with the card, categorized by type of business to better understand where your money is going.
- Send, receive and request money via mobile between bnexters or contacts, using only the phone number and without IBAN.
- Connect the accounts at several banks and visualize them all together, centralizing your finances without changing your main bank.
- Control the card in real time (change of PIN, blocking, unlockingactivation in online purchases, etc.).
- Possibility of accessing financial products such as interest-bearing savings accounts, buying and selling of cryptocurrencies, Home delivery of foreign currency, personal loans, mortgage comparison tools, insurance, and much more to come, as this has only been the first redesign.
The card available in the app can be Virtual and/or physical VISA or Mastercard depending on the product version, always with a clear focus: to offer a free card with no hidden fees which allows you to shop online more securely and pay in physical stores using the network's official exchange rate (VISA or Mastercard), without the additional charges typical of many banks.
How to request the Bnext card from the new app?
The process is so simple that it begins, of course, by downloading the official app from the corresponding store, to get 10 ā¬ free welcome bonus when the promotion is active:
- Download Bnext here Android and get 10 euros free
- Download Bnext here iPhone and get 10 euros free
El Discharge process It's as simple as WhatsApp: we enter our phone number and we'll receive an SMS with a code to validate the account. All that's left is to attach a image of our ID card To verify our identity, and that's it, our Bnext account is up and running. Plus, with card activation, we get free welcome credit if the promotion is available.
To receive the physical card, we must first do a deposit into the account from another credit or debit card for a minimum amount of 25ā¬ to start using it. You don't lose this money, and Bnext doesn't keep it, as it's the balance you'll have in your account to later request the delivery of the VISA or Mastercard, which will arrive at your home very soon. Don't worry, no one will be able to use it without the number. PIN which we will obtain through the app and, once we have the card in our possession, we just have to add it to our accountEnter the PIN and activate it to be able to use that balance.
In addition to card top-up, it is possible deposit money via bank transfer for products that include an IBAN, although this method can be somewhat slower. To have the money almost instantly, the ideal option is to top up from another bank card, since the operation works like a āBuy online"which is confirmed in seconds."
What advantages are obtained through Bnext?
Remember that in addition to the free prepaid cardWith it, you can pay anywhere and withdraw money from any ATM, since it's a VISA or Mastercard with all that entails. Through the Bnext app, as you spend with it, you can access things like:
- 10% off on Netflix, Spotify, Glovo and many more (with a maximum monthly savings), thanks to agreements with leading digital brands.
- if you They will refund the commissions. from any ATM in Spain several times a month, which makes Bnext an interesting card for withdrawing cash.
- You will pay with the official VISA or Mastercard exchange ratesaving you more than 3-5% compared to most bank cards when you travel abroad.
- Activation gift balance, cash and good money, for activating the card and fulfilling the conditions of the current promotion.
In addition to all this, there is access to a Financial marketplace from the app, where you can hire payments, loans, Mortgages, interest-bearing accounts, foreign currency cash or even cryptocurrencies, through specialized partners. Bnext acts as a bridge between the user and these fintechs, centralizing products on your mobile phone that previously required visiting several different websites and banks.
Three things I like about Bnext
In today's world of multiple accounts and institutions, it's not uncommon to have more than two or three bank accounts. The options and alternatives available are far greater than they were a few years ago, which is perfect for finding the account that best suits our needs. But it also means greater diversification and lack of controlAnd this is precisely what Bnext (yet another banking alternative) solves with its approach to financial aggregator.
During the last few weeks I have tried Bnext, an online entity with an amazing iOS app which lets you manage everything conveniently from one place. The app was recently updated with a completely redesigned version. If you find logging into your bank's app a headache, Bnext could be the solution. That's why it's our App of the Week.
The ease of creating an account
I don't know if it took even 10 minutes from when I started downloading the app until my account was up and running. process to create a bank account It's especially simple, and only requires the Bnext app, your basic information, and a photo of your ID to verify your identity. No paperwork, printers, or office visitsāeverything is done online. mobile phone in hand.
From there, once we make an initial deposit of ā¬25, they will send the prepaid card to our home. To understand how the deposit is made, it's as if Bnext were to make a "buy online"That is, we transfer the money from another bank as if it were a purchase, so it's instant. Once the 25 euros (or more) are deposited, The card arrives in less than two daysIn my case it was less than 24 hours.
The app user experience
As a designer, one of the things that bothers me most about banking apps It's the lack of attention to detail. They're generally universal apps with the same design for iOS, Android, and the web. These kinds of apps are awful, with inconsistencies, slow performance, and no adaptation to the specific features and functions of each operating system.
Fortunately, Bnext avoids this. The iOS app is completely designed for iOS.A fluid app, with harmonious interface elements. It fully integrates with features like Face ID, for example, and of course, it's completely optimized for the latest iPhone screens. It might seem trivial, but there are still banks that haven't adapted their apps even for the most modern displays.
The app has four important sections:
- A timeline of movements: Essentially, it provides a chronological timeline of all payments, income, and expenses made with the Bnext account. It offers details such as the date, amount, and recipient. The latter is particularly visual, as supermarkets and well-known businesses, for example, are displayed with their logos. own logo and location on the map. Ideal for tracking and monitoring all payments.
- Payments and transfers: Sending money to contacts or requesting it is really quick and easy. You select the contact, the amount, and that's it. Plus, you can also quickly deposit money into the account because, as we've mentioned, it's an "online purchase" and not a standard transfer.
- Card management: This is the section where we control the prepaid card. From here we can block instantly the card if we have lost it, also other procedures such as changing the PIN or checking the cash withdrawals and currency exchanges we have made.
- Bnext's extra options: The service itself is not limited to paying and transferring money to contacts; we will also be able to request loansguarantees, mortgages, or carry out investmentAll of this is done through collaborations with third parties that Bnext has. In addition, it offers rewards in the form of points for your purchases and access to services such as international money transfers, insurance contracts, or cryptocurrency purchases.
Integration with other banks
But of all aspects of Bnext, What has really convinced me the most is its integration with other banks.Let me explain, Bnext allows you Add other banks to the app Bnext lets you see your spending and income across all your banks on your timeline. This way, you can manage all your money from a single app without having to do it individually for each bank account. It's similar to what other financial aggregation services offer, but integrated directly into your account. Bnext account.
Bnext is compatible with the main Spanish banksSo, unless your bank is very local, you can probably add it to Bnext. Just log in with your ID and PIN, as you would in your bank's official app. After that, your timeline will appear alongside your Bnext timeline, and in addition to all your transactions, you'll also see the total available money in each connected account.
Other aspects to consider
For me, the features mentioned above are the ones that have convinced me the most and the ones I've used the most. However, it also has other features. functions of special mention:
- No commissions neither for the account nor for withdrawing money from ATMs up to certain monthly limits.
- Option to hire easily loans, insurance, guarantees and mortgages from the app's Marketplace.
- Dinero insured and regulated Licensed by the Bank of Spain as an Electronic Money Entity, therefore your balance is not used for activities with third parties as a traditional bank would.
- No fees abroad when changing currency or withdrawing cash within the limits included in each plan.
- Discounts in multiple digital services and stores thanks to its program of Rewards.
- Payment notifications, Face ID or fingerprint lock, card control, and more options advanced security.
How to try Bnext
If you're looking for a comfortable alternative, Bnext is one of the options to seriously considerThey truly understand the needs of today's users and aren't trying to offer a service like it was a decade ago. The app is really good and won't give you any problems or incompatibilities on a daily basis, even if you use it as a... main account for your online payments and subscriptions.
One aspect that may be relevant to some users is the mobile payments compatibility like Apple Pay or Google Pay. The Bnext community has been requesting these integrations for some time, and the company has been working on expanding its mobile payment options, although availability may vary depending on the country and time. In the meantime, you can always use the physical card and virtual card to pay online and, when available, link it to your favorite mobile wallet.
So, trying Bnext might be A good idea if you want a convenient and easy way to manage moneyOpening an account is completely free and, as we've seen, quick and easy. You can download the iOS or Android app for free from their respective app stores, activate your card, and start using your card. alternative mobile banking with commission returns, discounts and access to a complete ecosystem of digital financial products.
Creating fintechs , the N26, RevolutMonzo and more, is growing. And Bnext joins the list as a good alternative focused on the Hispanic market, offering a mix of online account with no fees, prepaid travel cardBnext is a banking aggregator and financial marketplace. If you want to manage your finances from your mobile phone, pay online more securely, send money internationally, and save on fees when you travel, Bnext is one of the most flexible mobile banking app options available.