Exploring Santander Mobile Banking: How to Use the App for Secure Transfers, Deposits, and Financial Insights

Overview of Standard Mobile Banking
1. Basic Features:

Account Management:
Balance Enquiry: Statements of account balances for checking, savings, and other types of accounts.
Transaction History: Statements of the recent transactions, including deposits, withdrawals, and transfers.
Transfers and Payments:
Internal Transfers: Push money from one account within the same bank to another account.
External Transfers: A transfer option for making enquires on balance and for transferring funds from an account to accounts in other banks.
Bill Payments: Schedule and pay bills, including utilities, credit cards, and loans.
Person-to-Person Payments: Transfer money to other people using only their phone number or email.
Deposits:
Mobile Check Deposit: Deposits checks simply by taking a picture of the check via the mobile app.
Security Features:
Authentication: Safely log in with passwords, PINs, biometric factors – specifically fingerprint and facial recognition.
Alerts and Notifications: Receive an alert of all the activity in your account, including large transactions, low balance, or reminders for upcoming bills.
Account Services:
Available online statements: Download and get electronic account statements.
Account Management: Add or update your information, request checkbooks, and avail account services.
2. Advanced Features:

Budgeting Tools:
Expense Tracking: Keep a close watch on spending by directing all outgoing money and sorting into categories.
Budget Creation: Define and track personal or household budgets.
Investment Services:
Portfolio Management: Display and manage investment accounts and various portfolios.
Trading: Purchase or sell stocks, bonds, or other securities through the handheld device.
Management of Loans:
Submitting Loan Applications: Apply for personal, auto, or home loans.
Paying Loans: Make a loan payment and check the outstanding loan balance and conditions.
Customer Support:
Chat and Messaging: In-app chat or messaging customer care representatives.
Branch Locator: Find the nearest branches and ATMs.
Personal Finance Management:
Financial Insights: Tools and reports for financial planning and analysis.
Goal Setting: Set goals and track them, like saving for holidays or retirement.