Sep 1: Money habits in India have changed rapidly in the last decade. People no longer depend only on salary and fixed deposits. They handle monthly subscriptions, use investment apps, and experiment with side hustles to boost income. This creates a demand for smoother money tools. The mobile banking app Roarbank brings these elements together in one place and shows how technology can simplify and connect daily money management.
Savings with Flexibility
Saving is still at the heart of financial planning, but the way people save has shifted. High interest savings accounts attract young professionals who want better returns without locking up funds for years. Roarbank links a digital savings account with a credit card and UPI payments, so cash flow stays smooth. Instead of moving money across different platforms, users track it in one place.
The savings account offers up to 7% annual interest, which is among the best in the small finance segment. More importantly, the account integrates directly with spending tools. When you save, spend, and earn rewards in the same app, it reduces friction. People can keep emergency funds ready while still using the account actively.
Subscriptions Made Lighter
Monthly subscriptions add up quickly. Streaming, fitness apps, cloud storage, and even groceries now follow a subscription model. Many people lose track of how much they spend every month. A card that gives cashback in categories of choice helps offset this steady outflow.
Roarbank allows users to pick two categories every month for higher cashback. That feature is useful for subscription-heavy spending. Someone paying for multiple entertainment apps and online shopping can rotate benefits according to needs. The cashback is not in points but credited directly, with redemption available once ?250 is collected. There is also a monthly cashback cap of Rs 2,500, so careful planning is rewarded.
Common subscription expenses where cashback helps:
- Streaming platforms like Netflix, Disney+, or Prime Video
- Fitness memberships and apps
- Digital tools for freelancers or students
- Online grocery services
By targeting categories, users can control spending instead of feeling drained by recurring charges. The cap ensures balance, but the system still supports subscription-heavy lifestyles.
Side Hustles and Cash Flow
India has embraced side hustles in a big way. From food delivery shifts to digital freelancing, many young earners don’t stick to one income stream. Flexible credit and smooth payment features help them keep work money separate and organized.
Roarbank sets a clear credit limit up to Rs 1,50,000, while also offering smaller starter limits for those without history. Instant approval during onboarding removes long waits. For people who work multiple gigs, this matters. They can receive, track, and pay with one tool without juggling different wallets.
Useful tools for gig workers:
- Instant card blocking and unblocking for better control
- Spending limits to avoid overuse during slow months
- Shake-to-pay and private mode for secure transactions
- WhatsApp support to resolve issues quickly
This combination of features means less stress when money comes from irregular sources. It gives freelancers and side hustlers smoother cash flow.
Day-to-Day Banking Without Friction
Traditional banking often means long forms, paper KYC, and slow customer care. That doesn’t fit with the pace of modern life. Roarbank tries to simplify by offering full digital onboarding with video KYC. No paperwork, no branch visits. Everything sits inside the app, from statements to card management.
Customer support runs 24/7 through chat and phone without automated menu loops. Direct human contact is important when people rely on digital banking for everyday use. Being able to reach help immediately builds trust, especially when money is at stake.
Everyday features that stand out:
- Real-time cashback credits
- Free card issuance with no renewal fees
- Interest-free period for purchases up to 62 days
- Annual percentage rate of 39.6% after the grace period
- Integrated account and card view
These details may seem small, but they remove common pain points. A person can handle daily expenses, subscriptions, and savings in the same place without feeling lost in multiple apps.
Final Take
Financial life in India has become more layered with savings, subscriptions, and side hustles blending together. Roarbank acts as a tool that keeps these parts connected. Instead of many accounts and cards, it offers one platform where money moves transparently. Some users mention category mismatches or UPI limits, but overall the service provides convenience and value.