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Text Message (SMS) Realtime Banking
Comments
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Really??? you just have a 'passing interest'...? :rotfl::rotfl:... just have a passing interest in this thread...
Butted in is probably too strong a phrase here. Same with appraisal. Do try and use the appropriate word/phrase in the correct context. Unless exaggeration is your forte.You then butted in and started asking me questions about her.
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What exactly is it that you would like me to say that will soothe your ego and validate you? I know this is difficult for you to comprehend, but I really don't care either way, which is why I took Mable's comments at face value and simply expressed my surprise that her MIL was finding banking apps easier to use than I was.OceanSound wrote: »Really??? :rotfl::rotfl:
Butted in is probably too strong a word here. Same with appraisal. Do try and use the appropriate word in the correct context. Unless exaggeration is your forte.
Actually nitpicking is my forte, but I don't seem quite as good at it as you are. But in the interests of competition:
appraisal
noun
an act of assessing something or someone
butt in
phrasal verb of butt
1. interrupt or intrude on a conversation or activity. "sorry to butt in on you"
synonyms: interrupt, break in, cut in, chime in ...
You might consider me describing Mable's comments an "appraisal" of her MIL's use of her smartphone as being too kind. Perhaps it was, but it never hurts to be nice. I was also nice when I used the term "butt in" to refer to your conduct, but that was mainly because a more accurate description wouldn't make it past the swear filter
Now we've cleared that up, let's try to get the thread back on topic, shall we?0 -
Received welcome sms sent on 29/05/2018. So, clearly 2 working days.OceanSound wrote: »Just setup the HSBC text banking (sms alerts) service using Internet Banking web chat. Customer support was very supportive.
You can also setup by phone or at Branch. Aside from the t&c's there is also a user guide here.
BTW. You would never need to reply to one of these sms messages (you should know what to do if you receive one asking for your login info/password etc).
Can anyone tell me how long it takes for the welcome sms to arrive?, I was told it can take up to 2 days.
p.s. the info on this thread is still relevant now, so I'm replying, rather than start a new thread.
SMS says 'Welcome to text banking. Your request is being processed and once completed banking messages will be activated as requested'
One of the alerts I setup was to send sms alert if the balance on current account exceeded 100 pounds. So I made a test payment for 102 pounds. Didn't receive an SMS. Seems it's still being setup. I presume an sms will be sent to confirm when the alerts are setup? (it's not very clear from the welcome message)0 -
I've started receiving 'balance above' alerts from HSBC.
Take note though, it's not 'realtime'. I've setup an alert for 'balance over £100''.
A family member deposited £22,000 on Thursday 21 June. I received the SMS on Friday 22 June. It has timestamp 'sent: 08:07'
The content of the SMS says 'Balance above 22 June at 07:14 XXXX (last 4 digits of my acc. number) £22005.21+ 21 Jun FUNDS T £22000.00+
One days interest in the banksters pocket. ka-ching!0 -
With regard the original question - I don't think text messages are the future - what is more likely is that you will get a notification on your smartphone (via the banking app) for each transaction should you require it.
An example of this is Starling, Monzo, Tandem, etc. Barclays do it for transactions over £150. It is a very useful tool, but does require you to have a smartphone and use the app.0 -
With regard the original question - I don't think text messages are the future - what is more likely is that you will get a notification on your smartphone (via the banking app) for each transaction should you require it.
An example of this is Starling, Monzo, Tandem, etc. Barclays do it for transactions over £150. It is a very useful tool, but does require you to have a smartphone and use the app.
Nevermind the future. I don't think they are the 'present', however we (the OP and I) are lumbered with it for different reasons I will explain below....I don't think text messages are the future...
The OP does say she wants to stick with her Nokia brick phone, so I figured pushing the latest 'apps' her way would be somewhat presumptuous (she does say she is aware of the apps)With regard the original question...
My reasons for using sms alerts is because I don't have the HSBC app installed (as it doesn't support fingerprint login for android, it's a real pain entering the password/pin code each and everytime, so I've never installed it). Even if I did have the app installed, I don't' believe it's sophisticated enough as starling bank's app. Which means I would have had to check the app everyday manually, which probably wouldn't have happened.
Tell this to Santander bank, who rely on it a lot.I don't think text messages are the future.
BTW: a foreign bank, based abroad (of which I'm a customer) does send me SMS message for each transaction. It's pretty handy for accounting,especially, if you don't have digital receipts sent to you with each transaction. I've used it for about 7 months now. Once it threw a wobbly because a check out staff member went mad with swiping the debit card at till, so I received two sms's and two transactions (for the same amount). Although, only one transaction actually made it to the statement.0 -
It is amazing how differently people view the world. Rather than relying on the bank to tell me, I would take responsibility for finding out when funds were received in my account.OceanSound wrote: »I've started receiving 'balance above' alerts from HSBC.
Take note though, it's not 'realtime'. I've setup an alert for 'balance over £100''.
A family member deposited £22,000 on Thursday 21 June. I received the SMS on Friday 22 June. It has timestamp 'sent: 08:07'
The content of the SMS says 'Balance above 22 June at 07:14 XXXX (last 4 digits of my acc. number) £22005.21+ 21 Jun FUNDS T £22000.00+
One days interest in the banksters pocket. ka-ching!0 -
OceanSound wrote: »Personally think that a banking app without fingerprint logon is pretty much useless. (the time faffing around with logon credentials, I'd rather logon to a desktop - if I was near one).
HSBC doesn't have fingerprint logon for android users. Therefore, I'd rather use the sms alerts.
Don't forget there are some elderly customers who are not smart-phone savvy. They can just about make a call and read a text (SMS) on an old nokia.
I find the HSBC app quite straightforward to use. I simply enter a password and that's it. I also have it setup to generate a secure code for online banking, which saves faffing about with a card reader.
It isn't as easy as something like Santander where you need to give 3 numbers from a pin, but it has more functions that I find useful.0 -
I find the HSBC app quite straightforward to use. I simply enter a password and that's it. I also have it setup to generate a secure code for online banking, which saves faffing about with a card reader.
It isn't as easy as something like Santander where you need to give 3 numbers from a pin, but it has more functions that I find useful.
It's not so much a question of ease of use ONLY. It's a matter of principle. Apple users of the HSBC app have fingerprint login. (Pretty sure I mentioned in a previous post - so no intuition required on your part) I keep asking HSBC support when fingerprint login will be available for android. They keep saying 'in the near future'.”I find the HSBC app quite straightforward to use. I simply enter a password and that's it.
The way I see it 'I shouldn't have to faff around with entering the password each time, when I know some apple user (who loves his iphone too much), is logging-in without breaking in to a sweat.0 -
It is amazing how differently people view the world. Rather than relying on the bank to tell me, I would take responsibility for finding out when funds were received in my account.
Didn't you say the same on a different thread:It is amazing how differently people view the world.
https://forums.moneysavingexpert.com/discussion/comment/74443674#Comment_74443674
Whatever you do, don't go on the program 'Just a minute', you'll be buzzed out for repetition.
The way I see it, you see the sms message arriving one day late as the customer's fault. In essence, 'the bank can do no wrong'.
I play with a straight bat. How difficult can it be to send an sms message, at least within 2-3 minutes of the transaction?
The foreign bank I mentioned earlier is not even in a '1st world country' and they manage to do it. I'm telling you, your first world systems are really going to the dogs.
IT meltdowns for months on end. Visa card system going berserk over weekends. Credit rating agency IT systems with millions of customer data compromised....Are these my responsibility too?0
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