Every time any HN discussion veers toward alternative smartphone OSes, for instance, people come out of the woodwork to talk about how they just couldn't possibly access their bank without an Android or iOS device... what are you all doing with your bank so often? I log in a couple times a month, from my PC, to check balances and pay my car loan. I've certainly never needed a damn app.
Yeah. My TSB bank recently implemented this:
- enter credit card details on the website
- got to the mobile app, enter second password
- receive an SMS to my phone number with 2fa code
- login into the app, approve the payment
- enter first account password
- go back to the website and click continue
That’a all together with iOS FaceID enabler. Monzo is actually way simpler.
I've started using MobilePay — the Danish send-money-to-anyone-with-a-phone-number system — rather than a debit/credit card wherever it's offered.
I've usually provided my phone number already, as part of the delivery address, so it's a click to choose MobilePay, another to confirm the number, then I fingerprint-unlock the MobilePay app and swipe to confirm the payment request that appears.
It's not really "send-money-to-anyone-with-a-phone-number", it's "send-money-to-anyone-with-the-mobilepay-app-installed" - and it only works on iPhones and unrooted Android phones with Google services enabled.
As someone who doesn't have it, it's very rapidly become the thing that makes me feel the most like a second-class citizen.
It would be nice if they'd also implement it using online banking.
The British version (PayM) isn't used much, but at least you can add a phone number to your own account within normal internet banking, and send money to a number linked to an account without using either side using an app.
Not in the EU. I pay for a lot of nonrecurring things via money transfer and I need a TAN for every online transaction. Before mobile apps they would occasionally mail me a list of like 50 of them [1] but that's not a thing anymore. Every online credit card transaction has to be confirmed in the banking app as well.
I don't have a credit card but sometimes I can't even buy a game on Steam without using a damn app. Trying to shop online has turned from nightmarish to impossible without these apps in just a couple of years.
I tried using the site of my bank but I could never make it work. There's no fighting it and it sucks.
Every time any HN discussion veers toward alternative smartphone OSes, for instance, people come out of the woodwork to talk about how they just couldn't possibly access their bank without an Android or iOS device... what are you all doing with your bank so often? I log in a couple times a month, from my PC, to check balances and pay my car loan. I've certainly never needed a damn app.