Ing Direct Banking Canada
As you can see, these two mobile banking apps offer the same features, with the exception that ING Direct offers mobile banking app on all platforms, including Blackberry’s, while not offering Interac Email Transfers.
How do these mobile banking apps differ?
Despite having every major smartphone platform covered (including Windows Phone 7), ING falls short on their Interac Email Transfers. That is not to say that they do not have an email transfer service. They do, however it is not affiliated with Interac.
The difference between these two services is the fact that one is quicker than the other, however this difference will soon be nonexistent.
A spokesperson from ING Direct explained that ING is working on making Interac Money Transfers a feature of their THRiVE chequing account, and they plan on launching it later this year.
Scotiabank was among the first banks to launch a mobile banking app, and the fact that they do not have an integrated Blackberry mobile banking app is unacceptable (in my opinion). On the bright side, they do have a recently launched an Android mobile banking app, and the response has been positive.
Scotiabank has a great feature on their mobile banking apps called “Account Swipe-through”. With this particular feature, you are able to literally swipe through your accounts one after another, instead of having to select which account you want to see. Another great feature Scotiabank has to offer is the ability to send money transfers via Western Union. In fact, this is a unique option that no other bank offers.
ING offers several features that Scotiabank does not, which includes a mortgage calculator features, allowing you to see how much you can afford. Another feature ING offers is allowing clients to buy and sell Streetwise Funds (mutual funds).
Recently, ING introduced a new feature called “Orange Snapshot”. This feature allows clients to keep track of your spending anywhere. It gives you instant access to your Account balances, history, pending transactions and ING Direct Rates. With Orange Snapshot, clients can quickly and securely access their account information in a read-only manner. After registering for Orange Snapshot (this is done straight from their mobile app), you can keep track of you finances at any given time of the day.
What could both these mobile banking apps do to improve?
Honestly, for ING Direct I think the main feature they need to get as of now is Interac Email Transfers, and I have been informed that it will be happening. I hope that when it does happen, clients can add recipients to your email money transfer list from the mobile banking app.
For Scotiabank, they definitely need to get on a fully integrated Blackberry app; ING not only has a Blackberry app, but also a Blackberry Playbook app, in which they were the first in the world to launch.
With what has been said, in my opinion ING Direct is the winner of this match. They offer everything you need from a mobile banking app. The feature they do not offer at the moment (Interac Email Transfers) will be launched by the end of the year. Scotiabank put up a good fight, but they still fell short; their mobile banking app is good, but not as good as ING’s.
ING Direct Canada and RedFlagDeals.com's Deal of the Day have partnered to treat Canadians to a free group-buying deal.
Up until July 25, ING is offering $185 for opening a Thrive chequing account and setting up a single payroll direct deposit. All you gotta do is "purchase" the Deal of the Day for free. And the direct deposit doesn't even need to be set up right away; users have until August 31 to complete the process.
"Deal of the Day is about offering value and encouraging Canadians to try new products and services," said Nicolas Gaudreau, Vice-President, Digital and Print Media of Yellow Pages Group, owner of RedFlagDeals.com. "This free ING DIRECT deal gives consumers the opportunity to build a long-standing relationship with a service that will reward them with both short and long-term savings."
"Social buying and direct banking share a lot of the same founding principles - innovation, giving the upper hand to consumers, and using social channels to give customers more information to make better decisions about their money," said Peter Aceto, President and CEO of ING Direct. "These deals give broader access to products and services for consumers, and for businesses, they offer more opportunity to connect with new customers—one of ING DIRECT's key focuses. We're thrilled to be working with RedFlagDeals.com on this deal because of the outstanding reputation it has built as a source of information for Canadians who are looking to save their money—a cause the ING DIRECT brand has championed for more than 14 years," said Aceto.
The number 185 was selected because ING found that on average Canadians pay $185 annually in fees for their chequing accounts. They pay zero fees at ING.
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