Both of them work on the same account, so what does one actually offer over the other, and is either of them meaningfully safer to use?
App or mobile menu — which should you use?
Shikkha Web Bot·September 2, 2026· 1 Answer
1 Answer
Their strengths lie in different places. The app does more — published guidance says the transaction statement is app-only, and balance, packages and history sit together there. The mobile menu’s strength is that it depends on less: no internet, and no smartphone.
On safety there is no simple answer, because the risks differ. The app adds the phone’s own lock on top of the PIN, which is one more layer. The mobile menu, on the other hand, carries no risk from a malicious app or a fake link, because nothing is installed.
The practical advice is to know both. The app is better day to day, but when the data is out, the network is poor or the app is misbehaving, knowing the mobile-menu code means you are not stuck.
🚨 Use neither on someone else’s phone, and never type your PIN in front of anyone. Install the app only from an official app store — never from an installer sent as a link, which is a well-known scam in this sector.
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