Has anyone used online banking for over 10 years and still happy?

k_man

swabaxter said:

The new banks that work on the Smart phone are absolutely excellent. If you look at my recent issue with First Bus, my bank gave me the full audit trail of transactions as soon as I requested them. Take my tip and choose two of these highly rated banks and if one goes down you have another sitting on your Apple Watch!

Just realized I hadn't quoted in my previous post.
This is the post that is missing some details.

What was the recent issue with First Bus?
Are there many banks left that don't work on a smart phone?

comeandgo

Been online banking for as long as I can remember.  Things have changed with better security requirements but it’s so much easier than traveling 100 mile return trip to my bank.  I’m surprised so many posters are saying who they bank with on an open forum.

Stuart_W

Joined Co-op bank in 1992 with excellent telephone banking, then smile in 1999, and it all still works fine for me. Both considered terrible according to most online reviews, and I've joined loads of other banks/cards over the past 30 years mainly for the bonus/incentive deals but always kept my main banking with co-op/smile. It works for me. But then I hardly ever have to contact customer services because it just all works. I did have to phone up in 2006 to arrange a mortgage, but that's about it. I don't have the opportunity to scan in cheques, but for the one cheque I receive a year can cope with still using freepost cheque deposit as if it was still the 90s, and I am not yet ready to accept a bank account I cannot pay cash in to, but that is probably just a matter of time.

Online purchases are always by credit card not debit card, although cashback has diminished to 0.3% these days, but still better than nothing and that rate on a Visa credit card isn't too bad for nowadays.

RG2015

comeandgo said:

Been online banking for as long as I can remember.  Things have changed with better security requirements but it’s so much easier than traveling 100 mile return trip to my bank.  I’m surprised so many posters are saying who they bank with on an open forum.

Why?

The forum doesn’t reveal identities and to be of any help it needs to identify the banks being discussed or recommended.

DE_612183

I'm still using FD = started in the 90's - the one thing that does bug me is the payment authorisation think where they test you a code and you enter that AND your email address - sometimes I've keyed the wrong email address and it still accepts it!

jon81uk

I've also used First Direct for over 10 years with no significant issue.
As someone else said the need to deregister a phone before installation is sometimes annoying. But the authorisation for using cards online is pretty similar no matter which bank or credit card.

EssexExile

I joined Smile when it started then moved to Santander, can't remember why. I don't remember any serious problems with either. I can't remember the last time I phoned them. Perhaps I have a lousy memory.

Zanderman

comeandgo said:

Been online banking for as long as I can remember.  Things have changed with better security requirements but it’s so much easier than traveling 100 mile return trip to my bank.  I’m surprised so many posters are saying who they bank with on an open forum.

As RG2015 says, why? What would be the problem?
This part of the forum is about bank accounts - it's where people regularly discuss bank accounts.
It would be difficult to do that without mentioning the banks! 
You're not a newcomer (your profile badge says you've been on the forum 10 years) so I'm surprised you're surprised!

Brewer21

Nowt wrong with FD,  probably user error.
Used most banks online stuff for buying,  saving and paying, you just have to get used to how the work.
Only had trouble with Virgin Money, they didn't seem to like multiple withdrawals in a short space of time but that was when i was a newish customer.

born_again

mrmajika said:

I too am bailing from First Direct after 14+ years. 

They used to pride themselves on answering the phone quickly with UK based call centres. Last week, I had a 10 minute wait to speak with a seemingly American based agent who could not grasp the issue with my "checking account".  I've only phoned a handful of times in recent years, but find they've got exponentially poorer each time. 

Their app and online banking functionality is very basic and has some frustrating limitations. 

And don't ask to change the date of the Regular Saver attending order that's set to within three working of requesting to open the account. This is too much for their Edge system that was developed in the early 90s. 

In a way I'm sad to leave, but the wait for them to innovate has proven too much for me. 

FD only have 2 call centers. Both in the UK for now. But Mrs Sturgen wants to change that 🤣Hamiliton (Glasgow) & Leeds. Strange as it seems, people from oversea's do work in the UK. So you can get to speak to people from various countries.