I need a new friendly EASY TO USE bank

Rob5342

You have the legal right to spend your own money which is why they are checking that it's you and not someone else.

If you can post on here then there is no reason why you wouldn't be able to use a cheap basic mobile, a smartphone or a tablet. The age argument is wearing very thin now - my Mum is in her 70s and isn't at all technical but has an iPad and iPhone and uses them for all her banking.

subjecttocontract

I object to this unnecessary ageism. There are plenty of younger people who are not technical.....stop pointing the finger at older people. 70 is the new 50. I don't do apps, haven't got a smart phone and curse technology all the time......so what, I get by most of the time.

Barkin

My Mum's 82. She doesn't do online banking, no mobile apps etc. Just a Lloyds current account, a cheque book and a debit card. 
She seems to manage just fine. 

GeoffTF

I know an 80 year old who has just retired from engineering consultancy and has no problems with the technology.

subjecttocontract

80 is nothing, 80 is the new 60. I heard Bernie Eclestone (92) was still in short trousers when he was in his 70's.

boingy

BillMasen said:

Hi guys, I'm at my wits end, 60 years of easy, friendly simple banking with the Yorkshire bank has been totally ruined by Virgin Moneys take over. Basically I have to ask THEIR permission to spend MY OWN money.   For decades it was enter my debit or credit card details, then the 4 digit pin. 

That was it, SECURE and SIMPLE.

 Now its Verification required, Authenification required, Respond to SMS message ( not easy when you dont have a phone.   Its actually almost impossible to use my VM debit card at all. And for trying to speak to them, guess what? You need to Register on the website, then you phone them, but THEN you need to find another code they send, just so they will answer the phone.

Enough is enough there must be millions of older folks, technically illterate folks, folks with no cell phone or PC out there who face an unclimable mountain of barriers to you beinb ALLOWED  by the banks to spend you own money.

#

I should have the ABSOLUTE right to spend MY money on LEGAL purchases, any way, where or time I like, And ALL I should LEGALLY need is my credit and debit cards details and my 4 digit pin number. NO security codes, NO Verification, no Authentification, No SMS codes, NO we dont like how much of where you are spending it, 

 This is an attack on the human rights of older and less computer literate people who often dont own a PC or Cell Phone.

Today was the last straw, I needed to pay for TWO time sensitive items by 10AM, I went through everything as normal by 9.50, pressed enter to pay.  Virgin Money REFUSED to Authorise me spending my own money, By the time I went through it again it was 10.5 and I lost the chance to buy.

I'm not interest in their utterly pathetic non stop attempts to combsat fraud, all they do is make customers lives more miserable.

I need to find a welcoming, friendly EASY TO USE bank that actually cares for its customers and does not require a degree in computing to navigate.

Please tell me theres a better bank than age discriminating VM

Cheers Bill.

It's a great rant and I fully support your right to rant it. In general, banks have forgotten how to serve their customers and have jumped onto apps and online banking to save money. Customer service is now enthusiastically defended by AI bots and long phone queues. Not sure where that leaves people who don't want to do that stuff. I spent 15 minutes today trying to move a credit card direct debit to a different bank. The original DD was setup online when I took out the CC. To change it I have to wait for a paper form to be sent to me and then send it back. The banks have forgotten who the customer is. The world has gone mad.

x_raphael_xx

Imagine how angry you'd be if scammers cleared your bank account because there wasn't any of these checks in place.

Banks have to put this security in place to protect your money. You'll find pretty much all banks will use text verification and such to ensure it is you trying to spend your money.

Albermarle

GeoffTF said:

I know an 80 year old who has just retired from engineering consultancy and has no problems with the technology.

I think the key there is the type of job they had.
Someone who had an office related job and/or was obliged to actively engage with laptops, smartphones etc will inevitably feel more comfortable using such tech when retired. Also working from home means engaging with your IT dept and dealing with all sorts of computer related issues.
People in more manual or outdoor jobs, or people who have not worked for decades, are potentially going to find engaging with tech more difficult.

Barkin

Barkin said:

My Mum's 82. She doesn't do online banking, no mobile apps etc. Just a Lloyds current account, a cheque book and a debit card. 
She seems to manage just fine. 

To clarify, my Mum has no problem using technology. She has a smartphone & tablet, she uses Whatsapp, email etc. She books and pays for flights online etc etc. 

My point was that, as far as I'm aware, she manages to conduct all of her financial transactions, do her shopping etc without apps, verification codes etc that the OP was objecting to.

Before she retired she was a cook at a primary school... 

Lions_89

I would suggest you don’t need a bank, but a far less regulated money app. Assuming you are not using it to store savings and only low amounts for day to day spending.