S-mobiili

S-Pankki Oyj

About this app

What is S-mobile?

S-mobiili brings trade, bank and asset management services into one application.

You can activate the application with any bank credentials or mobile certificate.

If you need more information about using or setting up S-mobiili, touch the speech bubble in the upper right corner of the application or go to s-mobiili.fi/ukk.

What can you do in S-mobile?

Trade services

- Bonus – See e.g. how much Bonus is coming and how close you are to the next bonus level. In addition, you can see the discounts your household has received.
- Digital S-Etukortti - collect Bonus and take advantage of Customer-Owner benefits on the phone.
- My purchases - You can see, for example, the level of domesticity and carbon footprint of your grocery basket, as well as the breakdown of your purchases into different product groups. With the help of family sharing, you can also view the entire family's purchases in the service.
- Benefits and tips – Benefits, benefit coupons, events and announcements targeted at you. When you enable notifications, you will receive information about current benefits conveniently as a push notification.
- Receipts for your purchases - Cash and warranty receipts stored in an electronic receipt archive.
- Bonus locations – Opening hours and directions and the opportunity to give feedback about the location or the product.
- Your own information and that of your client-owner household - Check and edit your contact information and manage the information of your client-owner household.

Bank services

- Identification - Log in and pay with your chosen password or fingerprint instead of online banking credentials - also in online stores and public services.
- Saver - Save along with your daily spending. Direct the Euro savings from each of your card payments or S Group purchases to the Bonus fund.
- Investments – View the funds or your investments, make additional investments in the funds you own and invest in a new fund.
- Loans – Apply for or increase your S-Loan and view your loan information.
- Accounts – View your account balances and account transactions.
- Online salary – View electronic salary statements.
- Cards – Apply for a new card or increase the card's credit limit. Check the card code, edit security limits and view your credit transactions.
- GooglePay – Connect your payment card to the GooglePay application to start mobile payments.
- Payment – ​​Pay bills or transfer money between your own accounts easily and quickly.
- S-Pankki Private – Take advantage of investment and asset management services tailored to your needs. Only visible to S-Pankki Private customers.
- Contact us – Call or send us a message, give us feedback about our services or see the frequently asked questions.

You can use S-mobile with a phone with at least the Android 8.0 operating system.

Please note that to use S-mobil you must be a customer owner or belong to a customer owner household. More information on customer ownership: s-kanava.fi

What does S-mobile ask for permission for?

- Location information so that we can offer you the nearest services and the most relevant benefits.
- Using the camera to read the barcode so you can pay bills conveniently.
- To send notifications, so that you can receive information about, for example, incoming e-invoices and electronic cash receipts.

Ratings and reviews

The service itself is good and it has many features, but some accessibility aspects are not considered. It's impossible to select text inside the app. Moreover there is no English language. If you are not planning to translate the UI, at least leave the possibility to select text, so that non-native speakers can use the translator within Android. This two lacks are currently a big pain point

Cannot recommend this app to anyone living / working / studying abroad. Should anything happen to your phone you're in trouble. The app cannot be installed abroad and if you try to access your bank online using a computer you may be sent a verification code via text message to the number you have provided the bank with so if anything has happened to your phone (phone stolen, damaged, black / white screen issue....) you won't have access until you return to Finland.

Freezing whole phone (OnePlus 9 pro). Happened already twice, when you have the app open and you are logged in and then press a notification for "receipt", the whole app gets stuck into the login screen and basically freezes whole phone. Only way to fix this then is to restart the phone. I even managed to navigate into the app properties, but even the "force stop" button didn't close the app.

What's new

Jotta voimme mahdollistaa sinulle jatkossa sopivampia palveluita, olemme päivittäneet S-mobiilin käyttöehdot ja kysymme sinulta suostumuksia esimerkiksi siihen, että voimme kerätä käyttötietoa sovelluksen käytöstä.

Voit nyt tilata e-laskun suoraan S-mobiilissa maksamastasi laskusta.

Käytettävyys- ja saavutettavuusparannuksia esimerkiksi ruudunlukijan toimivuuteen.