Кольцо Урала is a free Android application developed by JSC Center of Financial Technologies that allows users to manage their bank accounts, pay bills, and perform transactions with loans and deposits. It also enables users to transfer money and keep track of their expenses.

To use the app, a user needs to connect to the internet banking service at any bank office. Once connected, the app provides a simple and convenient way to manage accounts, pay for services, and perform transactions. The app also allows users to view transaction history and analyze expenses by category.

With Кольцо Урала, users can pay for mobile services, utilities, taxes, traffic fines, education, and much more. The app also enables users to transfer money between their own accounts and accounts in other banks.

Overall, Кольцо Урала is a useful tool for managing finances, paying bills, and performing transactions. With its simple and user-friendly interface, users can easily keep track of their expenses and stay on top of their finances.