MSE Poll: Do you use banking apps – and which are the best?

Former_MSE_Rosie

Poll started 7 November 2017

Do you use banking apps – and which are the best?

There were 159 banking app logins per second last year. And now there are even some app-only banks. So we want to know what you think of them.

Do consider how easy they are to use, service level and the range of features eg, does it just have standard features like account details and transactions or does it offer extra things such as budgeting and categorising your spending.

Click here to vote in the poll

Did you vote? Are you surprised at the results so far? Have your say below. To see the results from last time, click here.

If you haven’t already, join the forum to reply.

Thanks!


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aj23_2

I don't use them. I don't agree with keeping banking info on your phone, or using a phone to pay for something. If you lose your phone it's just a headache. And people can get into your phone.

happyinflorida

Absolutely no chance I'd want to do this, far too risky a way of losing all my money - banks do not protect online banking, when they could do so, phone banking is far riskier .

NaughtiusMaximus

happyinflorida wrote: »

Absolutely no chance I'd want to do this, far too risky a way of losing all my money - banks do not protect online banking, when they could do so, phone banking is far riskier .

This is by far the main reason for me too.

Secondary to this is I've often found commercial apps provide an inferior level of functionality to the mobile version of their website so I don't even use apps for shopping.

minislim

either people have voted incorrectly or haven't a clue what a banking app is meant to do in regards to M&S banks app.

64 voters have voted either lots or standard features??

there are no actual features to it at all!

all you can do is check you balance or recent transactions. nothing more!

considering this is the new app that was released a few months back i thought it might have now got the massive feature functionality of its sister banks HSBC or First direct.

it hasn't got anything at all!

jimmynoton

I'm not surprised to see Starling do so well. I've had a fantastic experience with them, having joined earlier this year. Would recommend.

Senseicads

The only thing that annoys me about the HSBC app is that I can't pay someone new from the app. I have to go to the website on my laptop to set up a new payee. I can't even do it on my tablet app. I can kind of understand the need for security with this, but it is v. annoying still.

Sillychuckie

minislim wrote: »

either people have voted incorrectly or haven't a clue what a banking app is meant to do in regards to M&S banks app.
64 voters have voted either lots or standard features??
there are no actual features to it at all!

I came here to say the exact same thing.
I'd love to meet the 7 people who have written M&S Banking App had:
Lots of features, great to use 7 votes (4%)


They must be the M&S Banking App development team. Its such an embarrassment of an app and is quite insecure too. Better to not use it.
Sham results!

I'm just waiting for my 1 year to pass (to get all the vouchers), then I'll be closing the account solely for the reason that their mobile app is terrible.

thedr

If I had a new iPhone with face recognition (which I don't) I would not like to use any of these apps. I think it would be far too easy for robbers to unlock your phone at knife point and then steal your money through your banking app (presumably also unlocked with face recognition).

Fingerprint recognition is also open to abuse, but I feel that it's less than with face recognition. The most secure banking apps (like Santander) do not use fingerprint recognition to unlock them. So even if you get into the phone, you cannot get into your banking app with just a fingerprint.

indesisiv

I would have commented on the Barclays app but I can't use it as they have blocked me using it on any phone.
I used to have a one plus one phone, which they decided was routed (it wasn't but hey ho) so they blocked my access to their app.
I now have a sony phone and barclays software doesn't have the ability to pick this up so I still can't access the app.

Although I only use my other banking apps for checking balances and paying people who I have already paid. Everything else I do on my laptop.

aj23_2

thedr wrote: »

If I had a new iPhone with face recognition (which I don't) I would not like to use any of these apps. I think it would be far too easy for robbers to unlock your phone at knife point and then steal your money through your banking app (presumably also unlocked with face recognition).

Fingerprint recognition is also open to abuse, but I feel that it's less than with face recognition. The most secure banking apps (like Santander) do not use fingerprint recognition to unlock them. So even if you get into the phone, you cannot get into your banking app with just a fingerprint.

Absolutely. The on the spot safety issues of this are very bad.