Banking issues

I don’t do online banking o my phone. I do it via an app on my iPad and using my own wi fi.

Laptop banking works well, quite secure.

I use a dumb phone for emergency calls.

Online banking is very common, I don’t actually use an App I log into the banks site using my access codes and can pay all my bills.
I have 3 codes I need to use for access and to confirm access I get a One Time Code on my phone, in 10 yrs I’ve never had a problem which is a lot less than I had using cheques.

Being able to make instant transfers when I am buying or selling is a big advantage, travelling we don’t bother with currency it’s all online, cards or contactless.

What happens when the internet is not functioning - nothing but we are all in the same boat

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.

Someone would need to have my face to get into my phone, and again to get into my banking app.

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.

Hopefully if you have a banking app on your phone you also have security so someone can't just access your phone.

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.

I prefer to do online banking on my laptop.
Very occasionally I might use my ipad but not my phone. The keyboard is too small.

Stansgran

I do online banking for some of my accounts but the apps leave people vulnerable

I used to,do online banking through the web until the bank contacted me to tell me that an app was safer. The thing is that when you go through www. you are operating in a vast area. If you set up an app you are able to go directly in. It is quicker and safer.

I do online banking for some of my accounts but the apps leave people vulnerable

I stil think a cheque is safer. So many people are scammed. And I’ve heard of people losing money with fake qr codes.

Online banking is simple and safe.

I recently saw a transaction I didn’t recognise so I put an immediate block on my account while I investigated.
Once I had got to the bottom of the problem I switched back on again.

Safe and easy.

I do my banking online at my desktop computer. It feels safer to me somehow. Probably psychological but but nobody is going to snatch my desktop away in the same way phones get nicked.

I don't have a banking app but I do use online banking . My branch account is over 25 miles away

I also resited on-line banking but now I love it. It has become so much easier to manage my money and frees up more time to hang around on here lol!

I'm nervous of apps and of doing banking things on my phone, so I use online banking on my desktop computer and have no problems.

Georgesgran

I’ve only gone onto online banking via the App in the past 18 months. It’s so easy. I can’t believe I was so stubborn and delayed it for so long.
I did have an issue paying an enormous amount to a new payee, but I’m pleased the Bank was thorough in finding out that it was a genuine transaction.

That's good to hear.

Yes, it's good too to have some extra internal checks. My bank won't let customers move more than £10,000 in one transation.

I’ve only gone onto online banking via the App in the past 18 months. It’s so easy. I can’t believe I was so stubborn and delayed it for so long.
I did have an issue paying an enormous amount to a new payee, but I’m pleased the Bank was thorough in finding out that it was a genuine transaction.

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.