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Legal, pensions and money

Banking issues

(45 Posts)
Foxglove77 Tue 28-Oct-25 13:54:13

So I have telephone banking as I don't trust mobile apps. This works well for me as long as I don't need to speak to an advisor.

Today I tried to set up a new payee. The advisor asked if I had access to online banking as I could do it myself. I said I didn't and wanted to proceed via telephone. After a heavy sigh he tried to add my payee but the account details and name didn't match. I rang off, checked details and tried again. Another advisor again told me I should use the online app. I have a joint account with my husband who managed to set up a mobile app and we tried to pay the bill. It didn't go through but he was told to call the Fraud Dept. The Fraud Dept said as we didn't normally use a mobile app they had frozen our account and we would have to take ID to our local branch to unlock it.

Our local branches have all been closed so we had to drive miles to the nearest branch.

The account was eventually unlocked and the payment went through. What a faff! This is exactly why I don't want to use online banking!

suelld Wed 29-Oct-25 15:50:06

Banking online is easy . Do it… if you have a tablet or PC much better. I never use it on my phone, far too fiddly. Unlikely to be stolen as I rarely take my iPad out and the PC is firmly routed at home!
Do you have family or relatives who can help you set it up?
You can even pay in cheques on the app by photographing them!
Good Luck

Etoile2701 Wed 29-Oct-25 16:32:22

PaynesGrey

^This is exactly why I don't want to use online banking!^

You are making life difficult for yourself.

If you had already had online banking you would be conversant with how it all works. You wouldn't necessarily need a mobile app but it's simpler to use one.

Paying a new payee is easy. First of all you must ensure you have the correct payee details. Once you are sure, you simply use the app to enter the payee’s name, say whether it’s a personal of business account, input their account number, sort code and amount to be paid.

The bank will check that the account you are about to pay is bona fide.

You will be then be taken though a couple of security checks including two-step authentification via a text, email or card reader (depending on the bank) and it’s done. No phone calls necessary. Takes about five minutes tops.

I agree. I have online banking but hubby doesn't, and we don't have a branch of his bank nearby so any transactions are very difficult for him. We don't have a joint bank account.

Snowbelle Wed 29-Oct-25 17:55:08

I disagree with posters blaming OP for this problem caused by the bank. The point is that no one should be forced to use a system which impedes them. I use a smartphone and mobile banking apps etc myself, but the problem is that there is no joined up thinking and the person at the bank advising the use of the app (following their script) is unaware of the security consequences of doing so for someone who only uses telephone banking and so this is therefore bad advice for this person. This caused inconvenience and the advice to attend a local branch is also unhelpful if local branches do not exist and transport may not be available to the customer . It is the way things are going and I disagree with the one size fits all (for the convenience of the bank not the customer). The bank was unhelpful and caused difficulty to their customer regardless of how easy the rest of us find the apps, That is not the point. Preventing customers from accessing their own account in this automated way demonstrates the lack of human understanding of the actual problem. This is the way things are going and not all for the best unfortunately. It’s to save money and replace people with automated systems and checks, saving on wages and high street rents. Win win for the bank, lose lose for the customer. But the bank is faceless and does not care.

kircubbin2000 Wed 29-Oct-25 18:33:14

I have the online banking but have just received 2 letters asking me to set up with new passwords. I don't know why I need this as I have no trouble logging on the computer.

jocork Wed 29-Oct-25 18:41:37

I've banked online for years but my laptop died briefly when I had some payment deadlines, so in desperation I added the banking apps to my phone. I surprised myself that I could manage lots of things more easily on the apps. There are a few things I still do on the laptop as the screen is easier to read but I'm now mostly happy with the phone apps. It is also good for the times I remember about something when I'm out and about and can just do it without having to remember when I get home.
Like you I've had to contend with my nearest branches closing, although the next nearest banks aren't too far away. I was complaining to my DD about bank closures disenfranchising people who couldn't do things online and didn't have smart phones. She was totally unsympathetic claiming that people need to get themselves online as it is the future etc. I'm just glad my mother died before it became so difficult. She didn't have a mobile phone, let alone a smart phone and had never even used a computer, certainly didn't own one. Towards the end of her life my brother had poa and managed everything for her. I know lots of people who are reluctant but the banks are making things more secure all the time. I'm sure there will come a time when not having online facilities will be even more difficult than it is now. Embrace the challenge while you have a choice rather than waiting until you are forced to!

Redhouse Wed 29-Oct-25 19:55:09

Once you get used to it its so easy you will be alright. As far as getting older it is much easier to use the app than speak to an opperative on the phone as depending on which bank they can vary in the way they can help or not help as you know. Its a real pain all these banks closing down.

icanhandthemback Thu 30-Oct-25 00:48:55

Sadly, Snowbell, that is the world we live in and I can't imagine it is going to get any better in the future.

windmill1 Thu 30-Oct-25 01:49:22

PaynesGrey

^This is exactly why I don't want to use online banking!^

You are making life difficult for yourself.

If you had already had online banking you would be conversant with how it all works. You wouldn't necessarily need a mobile app but it's simpler to use one.

Paying a new payee is easy. First of all you must ensure you have the correct payee details. Once you are sure, you simply use the app to enter the payee’s name, say whether it’s a personal of business account, input their account number, sort code and amount to be paid.

The bank will check that the account you are about to pay is bona fide.

You will be then be taken though a couple of security checks including two-step authentification via a text, email or card reader (depending on the bank) and it’s done. No phone calls necessary. Takes about five minutes tops.

No. The banks are making life difficult for everyone, closing branches in the name of cost-cutting and expecting us to worship at the shrine of Online Banking.

And then a cyber attack brings down the whole damn system.

rosie1959 Thu 30-Oct-25 06:41:52

Made me think about it if I actually had a branch of my bank in our town what would I actually use it for? Even in the times before online banking I rarely visited a physical bank.

TerriBull Thu 30-Oct-25 09:24:35

I was quite resistant to doing banking on line for a while, but it's so inconvenient not to. I'm lucky where we live, we have practically all the major banks in town, including mine, Barclays, so I was forever going into branch before I was finally persuaded by a member of staff to have the app on my phone. Yes! all I can reiterate is that it is so convenient and easy, I'm an infrequent visitor to the branch now and I can't imagine going back to not doing online banking.

Cabbie21 Thu 30-Oct-25 13:14:40

I can’t imagine going back to an outside loo, candles instead of electricity, horse and trap instead of a car etc etc. Life moves on and we move with it.

Romola Thu 30-Oct-25 15:58:41

The specialist person who helps me with IT says than phone banking is actually safer than doing it on a laptop. It's something to do with advanced encryption.
But I do find it more awkward and I worry about getting the amount wrong as the keys are so small on the phone.

Aveline Thu 30-Oct-25 16:11:41

I have advanced encryption on my desktop

Mojack26 Thu 30-Oct-25 18:08:43

You are making life really hard for yourself! I have never had a problem with online banking...so easy

Missedout Thu 30-Oct-25 20:58:41

When I'm away from home, I am willing to use an online banking app on my mobile phone if the connection is using my phone provider's mobile data which is generally more secure than using WiFi. However, I won't check my account using free wifi when away from home unless I turn on a VPN (Virtual Private Network) which hides source and destination data and makes any connection unreadable. A VPN can be used with mobile data for added security.
My mobile also has face and fingerprint recognition (so does my banking app) - some older phones don't have this. The less protection the phone offers, the greater your risk.

Floradora9 Thu 30-Oct-25 21:31:44

Foxglove77

What happens when someone steals your mobile? The app is there for them to access and you are vulnerable.

I was talked into loading the mobile app and the minute I used it, our account was frozen, resulting in a trip to the nearest branch miles away to sort it out.

You must need a fingerprint or password identification to get into you bank account . You cannot just open a phone and use it .

David49 Fri 31-Oct-25 11:01:24

Floradora9

Foxglove77

What happens when someone steals your mobile? The app is there for them to access and you are vulnerable.

I was talked into loading the mobile app and the minute I used it, our account was frozen, resulting in a trip to the nearest branch miles away to sort it out.

You must need a fingerprint or password identification to get into you bank account . You cannot just open a phone and use it .

You have days and days of starting from scratch with a new phone.
You can probably back up the phone to the “cloud” but how many do that?

agingrapidly Tue 04-Nov-25 08:43:22

My bank also told me that the safest way to do transfers is on my phone - they said the security on banking apps/phones was really high - so now I use my phone over my laptop!

Grammaretto Tue 04-Nov-25 08:59:12

I use online banking via my phone app and check it regularly.
No branches left near me.

I can use the post office to pay in money or withdraw.

I have had to visit the main bank branch a couple of times for help and explanations. They can probably help you set up mobile banking.
I needed help sending money to my DGS in New Zealand - even the Bank staff found that hard which was reassuring!
Another time I was paying a very large sum so needed help.
The bank insisted, for added security, I phone the recipient to make sure that pthe voice was one I was happy to send money to!