Atom Bank App - advice please

AnotherJoe

The Atom App is very good at giving misleading error messages. It obviously can use WiFi and I've just tried it on my phone with mobile switched to flight mode and so only using WiFi and it works .
Try the usual sort of things . updating to the latest version of phone OS and Atom app, reboot the phone/tablet. Other than that sounds like an incompatibility with whatever phone or tablet you are on. Is it an old Android.. any number of those to go wrong.
A bit late for some of the previous posters but you can use just a passcode to login and you can print statements (it produces PDFs you can then print)

Zero_Sum

What happens when they update the app & then its no longer compatible with your phone? Or you have no space left on phone to do updates wtc Will you have to buy a new phone just to access your money?

Its for this reason id personally avoid app only banks.Is it too much to ask to also have web access?

AnotherJoe

Yep all those are downsides. I don't know if you can call in to get something done and I agree, I don't think it's too much to ask to have a web version.
But they don't.
But get it in perspective this is something you might look at a couple of times a year, you aren't buying your groceries through it. And there's all sorts of apps for numerous purposes that will only run in fairly recent versions, if you want to be using a ten year old phone then you aren't in their demographic or that if many other companies either.

Zero_Sum

My phone is only just over 2 year old and already Nat West & British Gas apps wont work. Id agree about using a 10 year old phone but compatability should be 5 or 6 years minimum not 2 or 3 years as some companies are doing.

oldfella

used it for a while. My approach is to only use it on the domestic wifi. Not prepared to use it out of the house.

It does what I want otherwise.

AnotherJoe

Ironic because its going to be more secure used (out of the house) on mobile data than on a home wifi connection.

david78

I only use the App on my ipad, connecting via my home wifi. It is secure enough.

The app is rather crappy and slow. Documents are collected together in a "secure vault" with no organisation, so its difficult to match them up with the appropriate account. You can email the documents to yourself if you want to store them outside the app or print them out.

As I only use it to apply for fixed rate bonds and give maturity instructions it is OK. I am not interested in banking on a mobile phone so I don't want much more from their service.

david78

AnotherJoe wrote: »

Ironic because its going to be more secure used (out of the house) on mobile data than on a home wifi connection.

Why? Doesn't it depend how secure the home wifi network is.

londoninvestor

AnotherJoe wrote: »

And there's all sorts of apps for numerous purposes that will only run in fairly recent versions, if you want to be using a ten year old phone then you aren't in their demographic or that if many other companies either.

That's fair, although I do find it a bit funny that they boast their app is fully tested on 20 different devices... and then if you read the list, you find every one of them is either Apple or Samsung.

AnotherJoe

david78 wrote: »

Why? Doesn't it depend how secure the home wifi network is.

It would be a very unusual home WiFi network that was more secure than the mobile data network on a cellular network.
There are numerous backdoors and weaknesses in the routers that many ISPs supply, and physically the network is much more accessible than a mobile phone apart from the fact it's stationary so if someone wanted to hack into your comms what better way to do it than where your network is just sat waiting for connections.
This is aside the lax security that most will apply to their WiFi setup whereas that doesn't even exist on the phone network, there aren't passwords and the like accessible to most. Plus how often do you upgrade your phone OS compared to your router OS?
If you wanted to make the most secure banking transactions you'd be best to do them off WiFi.