Now it is difficult to find a person who would not be the owner of a bank card. Often we have several cards. Recently, our editor-in-chief Slava Baransky complained that he was forced to use five cards at the same time. For some, owning multiple cards at once is a necessity, but for many, this approach is a way to increase financial security. For example, using the second card exclusively for purchases of applications and goods online is a very common practice. You keep a small amount on such a card and do not worry about the safety of the fixed capital. However, an inconvenience immediately arises: you have to periodically hang out money from card to card. Online banking facilitates this routine to some extent, but today we have found a much cooler way to make transfers between several bank cards.

In short, the method we found implies linking the cards used to a single application, from which all subsequent transfers of funds between cards are carried out in the future — literally in a couple of taps. No websites, and certainly no trips to ATMs. We just go into the application and move money freely right through it.

So, the O!pp app is free and available for both iOS and Android. Official development from Alfa-Bank. "Formality" is extremely important here. After all, it's about your money, and you don't want to trust the card data to some left uncle at all. A bank is a completely different matter.

Besides, Alfa-Bank seems to be large and has been working for a long time. In general, it is noteworthy that our domestic companies have started doing such things. However, we will not be distracted by reasoning. It's better to see how O!pp works and what it can do.

Features

The application works with cards of any Russian banks. At the same time, the card can be debit, credit, or hybrid.
There is no binding to the payment system, that is, you can move money from VISA to MasterCard and back.
You can make transfers to other people's cards. The system does not require all the data of the recipient's card, its number is enough
There is no mandatory registration and linking of cards to the application. The beauty is that for a one-time transfer, you just specify the details of your card and the recipient's card. This data is not stored in the application and does not go anywhere except the Alfa-Bank processing center. But if the paranoia has already let go, and I want to simplify the transfer process as much as possible, then you can register and save the data of the cards used + create templates-blanks for making the most frequent transfers in one tap.
The technologies used in the application are made in accordance with VISA and MasterCard security standards.
The user has access to the history of all transfers.

In principle, the listed chips and buns are already enough for complete happiness, however, O!pp is not omnipotent, and it has several limitations that also need to be mentioned.

Restrictions

The most important limitation to pay attention to is the lack of support for cards without 3D Secure, as well as the inability to transfer from prepaid, corporate and virtual cards.

Total

In fact, now O!pp is seen by us as a savior for people who are forced to periodically make financial transactions with several cards. Down with wandering through bank websites and other inconveniences. All activities do not require going beyond one application — we like it.

O!pp for iOS | App Store (free)

O!pp for Android | Google Play (free)