Best & Worst Online Banking experience
in Budgeting & bank accounts
24 replies 2.2K views
Halifax, the online banking service on halifax is absolutely brilliant.
The website is super fast and response. Both desktop browser and android app function really well. All the functions are easy to locate and intuitive. Statement downloads are excellet.
the halifax is my personal account and I made some ebay sales which deposited it to my personal account. I needed to do a quick check to find out how much ebay deposited into the halifax on my tax return.
I just opened halifax account, click on transaction search, entered the date range (full tax year), and type adyen as the search query and it returned all the transactions in order and even gave me a total at the bottom of the results adding up all the amounts.
It's always a joy to use haliax.
natwest.. on the other hand. it was my first business account and I had it for 20 years. I was an early adopter for online banking and I have to say - the online banking interface and functionality has not changed for around 18 years - just recently they seemd to have done a refresh (same functionalty, just a design tweak).
it's terrible, natwest are just stuck in their ways - ctill doing those horrible a5 statemetnts in horrible font (i imagine).
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Lloyds Banking Group’s online offerings are decent and relatively clear to navigate, and their apps are less effective but do the job in a slightly clunky way. Payee or account nicknames would be a welcome feature for people with quite a few current and savings accounts.
Santander is quite dull to use but tool-like and functional. Very much slap bang in the middle of my good-or-bad list.
My wife has used NatWest for years and I’d have to echo your comments. See above for card reader tech too.
Both facial recognition on my iPhone and simple to use
I like the search feature in Santander as I can look back years
Both are equally professional on customer services
Best I've had is Starling
Halifax and Lloyds are exceptionally user friendly.
Natwest is basic but functional.
Not banks, but YBS, Saga and Coventry are clear and easy to navigate.
Nationwide and Santander are both messy and convoluted.
If you are new to Barclays only way of opening a sole account is on the app our in branch so they say. But after downloading app it crashes. If you get to the stage of trying for a switch before you have entered any details of your old account it comes up with a page telling you the your old account can't be switched. But you can do a paper switch
Barclays Bank Account application
You can't open a current account between 11:30pm and 06:00am.
Please log in after 06:00am to complete your application. We're sorry for any inconvenience this may cause.
Update still unable open account online 03-02-23 13.00
Managed to open by app
NOT 24/7 Banking more like 16.5/7 oh never tried at weekends
Santander had a pretty strong security setup but they sacrificed this for speed. You used to see a image and a phrase which you had selected. This was a sign that you where in a secure site. Now all you need is a customer no: and a five digit security code which was part of the original security setup. There is no
Two-factor AuthenticationThey only use OTP when you setup a new payment.
The other thing is they have a page when you are logging out named log details it used to show the details of the transactions that you carried out showing the amounts now you only see amounts if you make a internal transfer any other transactions are listed as search with no details shown.
Payee list is as bad. Used to select from this list to make one of payments each had a different mandate No: the numbers are still there but you now have to pay these through pay existing payee which only show sort code and account no: the list alters every time you make a payment putting the last payee to the top so if you have large number of payees you have to trawl through this list to find the next payee that you won't
Cut corners on security to save time but increased the time spent on making payments
This is a real shame for me, as if the app was better this would be probably the best all-rounder for me in terms of current /easy access savings as they seem to be on the ball for interest increases tracking BoE changes.
The best apps for me/online are by far the Lloyds group (halifax, Lloyds etc) but their savings products aren't competitive enough anymore.