MahaSecure 4+

Bank of Maharashtra has added unnecessary layers of complexity in the name of security. A user is required to possess a password, pin, secret question & answer, an OTP to activate the device, solve a CAPTCHA and a separate OTP to login. This excludes the transaction password and OTP for executing the transactions. On top of this they establish a “secure connection” (VPN) on the device to connect with their services. These many layers of “security” are unnecessary and only create hurdles for users. I don’t think there designers of this app have any control over these policies but my complaint isn’t about just the policies but the app itself makes life miserable when it fails often in one or the other step. For instances OTP delivery to overseas phone numbers is extremely flaky. There are days or weeks when it doesn’t work and there is no support from the bank or developers. If you’re an NRI who isn’t in India how are you supposed to operate your account? Bank of Maharashtra has touted to be spending 1000s of crore rupees on its technology infrastructure. I don’t understand where that money is being spent? I don’t see the retail banking experience getting any better.

Visiting a branch in person is a nightmare, so when you want to try to do some transactions via net banking, we have this terrible app to deal with. You set/reset your password, then answer couple of questions and when you think you will receive OTP and start using app, it says “Device limit reached”. Restriction on number of devices you can “configure” this app, I cannot comprehend logic behind this?!
I wish I could rate below 1 star!

This app is the worst banking app I’ve ever used. It’s supposed to be secure, but they have made it practically useless by adding layers upon layers of impediments for users.
A few examples -
1. Every 2-3 minutes, the app will log you out automatically even if you’re using it.
2. Then, the app will not let you login again for a long time saying your session is active, so you cannot login.
3. If you try to transfer money or do any such transaction, the app says you need to enter the OTP. But you need to go to a different screen to get that OTP. Once you come back to your transaction screen, you will not find the transaction. The app deletes the transaction because you left the screen to get the OTP!

Summary - Disaster app. Don’t use it.