Wilobank there from June 30, the first bank in Argentina 100% digital. It is the only institution of its kind so far authorized by the Central Bank of Argentina (BCRA). The bank, owned by America Corporation, a holding company Eduardo EurnekianAnd it managed to more than 20 000 customers.
"The main advantage of working with the bank to the & # 39 is that the user does not have to approach the physical sector to register as a client. You just need to be over 18 years old, have an identity card and download the app from your phone or tablet, "he explained Infobae Guillermo FrancosPresident Wilobank. "We aim to create a bank that with & # 39 is a fully digital, modern, but we decided to give a bonus that makes us even more than traditional banking services are beginning to pay 25% interest on the daily balances of savings. "
With regard to the interest paid on savings, Franks explained that "local bank pays today less than 1% per year, and some do not pay anything just for the money, you can leave the client in respect of wages. We appealed to those who are unbanked, as an alternative bank, complement each other, as a bank that has no physical branches. We communicate through e-mail account of the client, and we are present for banking services and that banking services. "
Estimated time of opening of the account is less than 5 minutes and provides access to savings in pesos and in dollars and Mastercard debit cards without international premium costs maintenance and cancellation. All products have the technology contactlessNew type of wireless payment.
The following steps are required to open an account:
1 – After downloading the application (high Wilobank client), it must verify the identity of an e-mail.
2 – then proceeds to scan the front and back of the identity card, to get details about the person.
3 – The process of biometrics includes performing some gesture faced by scanning the front camera phone. Thus, the pictures compared to DNI for life testing and confirm that a user with a & # 39 who makes a discovery. Currently we have analyzed cost of the person offering credit products.
4 – the user must enter some additional personal information such as an address for correspondence cards.
5 – the client receives a basket of products: savings in pesos and in dollars and debit cards. And it has the ability to opt for credit cards and loans, if they were given.
6 – The process ends with the creation of a username and password for the job.
Wilobank has various customer channels. In social networks, Facebook, Instagram and Twitter. In addition, you can access through the web site or by phone. The Bank operates 24 hours, 365 days a year.
It also offers personal loans ranging from $ 5,000 to $ 100,000, and in the future also plans to issue mortgage and business loans. Once a person with & # 39 is the client, the availability of credit is valid for 30 days. In general, the traditional banking raises penalties for early repayment of loans, but the bank this new 100% digital, no charge.