I lost the will to live today - Banking

darael said:
This thread just reminded me that I need a new card reader.

I don't like how the banks make their websites so unappealing to use and favour mobile apps, but I suppose that's just how things are these days.
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It's not that simple, I believe. I saw a presentation recently that claimed banks push different things to different age demographics. So DXP55 will get the website or maybe pushed towards going into the bank, whereas someone in their 30s will should have a great app-based experience. Someone in their 50s, maybe, would find the website better.
 
I don't think I've logged in to my bank's website in a decade, nothing I've not been able to do on the app. Halifax & Lloyds.
 
I have never felt the need for online banking. For a while I had a card reader attached to a coop account but then I was banned from the MM :p and I now use direct debit rather than bank transfer. I have purchased two cars of more than £10k just using a debit card. A debit card and cash does my buying stuff admirably. And if I need to talk to the bank I will go and see them. Same for my building society. Until they relocate fully into cyberspace anyway.
 
Hagar said:
I have never felt the need for
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The problem the banks face is that they need to and will move on from those who 'have never felt the need for <new thing/thing I don't like/thing I can't understand or use' (see OP) without being able to directly say that. It's bad form. It is true but still, bad form.

Cheques. Gone.
Statements. Ciao.
Card readers. Wait - are you guys till using these?!
 
[FnG]magnolia said:
The problem the banks face is that they need to and will move on from those who 'have never felt the need for <new thing/thing I don't like/thing I can't understand or use' (see OP) without being able to directly say that. It's bad form. It is true but still, bad form.

Cheques. Gone.
Statements. Ciao.
Card readers. Wait - are you guys till using these?!
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I still receive the odd cheque but they’re a real nuisance. I’ll be glad when they go completely. However, bank statements are another matter as I need to have the previous seven years records available in case HMRC call. Your bank suddenly unable to recall records from seven years ago won’t go down will with HMRC so paper records it is.
 
Haven't used online banking in years.

Use the following apps:

HSBC (fairly good app, never had an issues in the last 3+ years)
Nationwide (same as above)
Barclaycard (as above, although annoyingly asks you for password once every now and then)
Halifax (as above)
 
The website is really useful if you want to download details of transactions. I'm sure you may be able to do that on the mobile app, but then it's on my phone and I need to move it elsewhere - on my desktop computer it's right where I want it.
 
NZXT30 said:
What how? You haven't had to sit down gather everything and file a tax return for example?
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Not everyone needs to file a tax return? :confused:

I havent logged into any online banking website for over 5 years now... I can do everything I need to do on the app.
 
Bluecube said:
I still receive the odd cheque but they’re a real nuisance. I’ll be glad when they go completely. However, bank statements are another matter as I need to have the previous seven years records available in case HMRC call. Your bank suddenly unable to recall records from seven years ago won’t go down will with HMRC so paper records it is.
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Banks have a requirement to save your records for that period so they're still "there" if required by a regulator or even you, the customer. The requirement for customers to automatically have them sent to them in paper format is not so relevant anymore due to online solutions. All of the banks in NZ now have an opt-in for paper statements to be sent to customer rather than opt-out, and this is in line with Australia and quite a few of the UK banks as well if I understand things correctly.

Things change, is the point.

e: missed a word, whoops.
 
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[FnG]magnolia said:
Banks have a requirement to save your records for that period so they're still "there" if required by a regulator or even you, the customer. The requirement for customers to automatically have them sent to them in paper format is not so relevant anymore due to online solutions. All of the banks in NZ now have an opt-in for paper statements to be sent to customer rather than opt-out, and this is in line with Australia and quite a few of the UK banks as well if I understand things correctly.

Things change, is the point.

e: missed a word, whoops.
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We still do a reconciliation between statement and receipts, known expenditure. It's largely unnecessary but I have time on my hands at least once a week.

We did pick out a Just eat scam payment once.
 
What I don't understand is that donkeys years ago it was possible to phone anyone and get an answer within seconds. You could even phone the bank and ask to speak to the manager. Now, it's just insane. Although that was a long time ago, I just don't see why things have changed so much.
 
Hagar said:
We still do a reconciliation between statement and receipts, known expenditure. It's largely unnecessary but I have time on my hands at least once a week.

We did pick out a Just eat scam payment once.
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That's fair and there will always be things the bank miss, can't know, or assume perhaps incorrectly. Good on you if you have that time because that report, which I assume you made, helps the banks look at other instances.
 
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