Comment by mnahkies

13 hours ago

Unfortunately many banks in the UK no longer offer a web portal or physical branches.

I'd love to see legislation that mandated a functioning web experience for critical services like this (banking, utilities, etc) - otherwise it will continue to further entrench the current duopoly.

(I suppose this is also an instance where I should do a better job of voting with my feet and supporting services that do offer this)

19 comments

mnahkies

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microtonal  11 hours ago

Good news for EU citizens though, PSD3 will require that authentication methods without a smartphone are provided:

https://ec.europa.eu/commission/presscorner/detail/fr/qanda_...

Require payment services providers to ensure that all users can benefit from methods to perform SCA which are adapted to their needs and situations and, in particular, that those methods do not depend on one single technology, device or mechanism, for instance on the possession of a smartphone.

nh2  9 hours ago

Wise in the UK currently is good. You can use it completely without a phone app. It also has good support for passkeys, TOTP, and SMS OTP, allowing to add multiple of each as it should be. If you do choose the Wise app, it currently warns when you run a custom Android ROM, but let's you use it.

Our company also uses Revolut business, but that requires a phone app to verify online payments with cards. And Revolut recently changed the app so it now requires Google Play Integrity so it doesn't work with LineageOS anymore. So I'm looking to move all new things away from Revolut. I have little patience with companies that want to unbank my company, and decide what hardware or software we use.

cryo32  10 hours ago

Huh? Why the hell would you use a bank that doesn't offer a web portal or have branches if there are banks that still do?!?!

I bank with HSBC in the UK and there's still branches (worldwide) and banking via web.

I assume you mean things like Starling and Monzo in this case? Banking with them is simply dangerous.

  • alightsoul  10 hours ago

    There's mobile payment apps worldwide like yappy and UPI, that don't have a web interface and are local monopolies. Even worse they are sometimes controlled by a single large bank, not a government and not a consortium so you're entirely beholden to their (confidential) decisions, whatever they might be. It's not like in the US where you have Venmo, Zelle, and Cash app, or China where there's WeChat and alipay.

ninalanyon  12 hours ago

> many banks in the UK no longer offer a web portal

Same in Norway.

  • birdsongs  8 hours ago

    Is it that dire? I'm in with DNB and Nordea and they both have functioning netbanks. But I don't know how the rest are.

    I've been getting by with a bankid codebrick and web browser access (although Nordea and DNB apps work fine on GrapheneOS).

    • Telaneo  7 hours ago

      > I'm in with DNB and Nordea and they both have functioning netbanks.

      And both are banks I'd never want to associate with. I would have used Sbanken before the DNB buyout (and I even did for a bit!), but now that's of the table too.

      There are a few more options, but many are just worse if you look at their fees and interest rates.

      I've been very happy with Bulder. The only thing they're missing is a web portal. The fact that they're missing that annoys me greatly, but they've been good to me in every single other aspect, so it's hard to be dissatisfied (especially compared to the other banks where I and others have been burned). Their app works fine on de-Googled Android, and so long as that's true, I can live with my choices.

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