NICOSカードアプリ

What the NICOS card app is for

If you hold a NICOS credit card from Mitsubishi UFJ NICOS, this is the smartphone app the company publishes for it. NICOSカードアプリ shows what you owe, what you have spent and how much credit is left, so you do not have to work through the bank's web pages on a phone browser.

It is aimed at individual cardholders. The developer says family cards and corporate cards cannot use some of the services.

The figures come from your existing card account with the bank. The app is a view onto that account rather than a separate record of your spending.

Signing in with a passcode, biometrics or your ID

Signing in works in three ways. You can set a passcode, which lets you skip typing your Net Branch ID and password on later visits. You can use biometric authentication instead. Or you can enter the Net Branch ID and password every time.

Net Branch is the bank's web membership service, and the app depends on it. The developer says registering for a Net Branch ID is free, but the ID is required to use the app at all.

Reading the monthly bill and statement lines

The main view shows the amount billed for the current month. Statement details open with a single tap from there, so you can go from the total to the individual charges without leaving the app.

The data is pulled from the bank's systems. The developer warns that during scheduled system maintenance, login or retrieval of billing and statement information may fail, and points to the bank's website for its service-stop schedule. Errors can also appear depending on your device or internet connection.

The developer says any communication charges for downloading or using the app are paid by the user.

Comparing spending with last month and your limit

The app compares the current month's spending with the previous month, so you can see at a glance whether card use has gone up or down. It also shows your available credit, meaning the amount you can still charge before reaching your limit.

Together these two figures answer what this month is costing and how much room is left on the card.

Managing several NICOS cards in one place

A single app can hold more than one card. Cards carrying the MDC mark, which the developer says were formerly branded MUFG Card or DC Card, can be added alongside NICOS cards and managed from the same screen.

The developer also lists points among the things the app displays.