Mobile banking is a service offered by financial institutions that allows access to a bank account via mobile devices with Internet access, such as mobile phones, smartphones, and tablets.

This is a type of online banking. The WAP protocol installed on a mobile phone qualifies this device through an appropriate application to establish a mobile session with the bank's website. Thus, the user has the opportunity to exercise constant control over the account and remotely manage their own finances.

Telephone banking can be carried out in several ways: by contacting the operator (call center) or using the automatic IVR telephone service, as well as using a mobile phone using SMS or WAP technology.

The earliest mobile banking services were offered via SMS. When the first smartphones with WAP technology were introduced in 1999, providing Internet access via a mobile phone, the first European banks began offering mobile banking services to their customers.

Until recently (2010), mobile banking was most often used via SMS or the mobile Internet. The initial success of the Apple iPhone and the rapid development of phones with Android software created by Google led to an increase in the use of special applications available for download by users on mobile devices.

In 2013, 1.33 million users used mobile banking in Poland for 150,000. more than at the end of 2012.


Text message
The use of SMS messages when using banking services provides both active and passive access to the account. Passive access consists in obtaining information from the bank without affecting the account balance. This form provides, among other things, the ability to receive text information after each operation performed on this account, informing you about the transaction and the current account balance. The active form allows you to perform banking operations, such as transferring funds to a predefined account via SMS confirmation or setting up deposits.

WAP
The following banking transactions are possible as part of the WAP service:

access to information about the account balance
obtaining information about the account turnover
checking the list of transfer recipients
understanding the history of transactions
transfer to foreign accounts
determining the permanent order
compiling a list of accounts to which the transfer should be made
transfer with a future execution date
cancellation of the transfer
transfer to ZUS accounts
opening and withdrawing term deposits
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