Worst Banking App in your opinion?

Lightning360

penners324 said:

Most of the legacy banks have pretty woeful apps.

How? Most have massively improved in recent years and they  essentially all have the same features as the mobile only banks now.

jameseonline

Apparently HSBC now have savings goal features. 😏

TheBanker

steven141 said:

jameseonline said:

steven141 said:

The worst I have used is The co-operative bank you can’t do everything on their app and it is far too basic. 

After that I’d say first direct it is also very basic with not as many features. I think you also have to message to make changes to some things. 

TSB is the one after those 2 which is very clunky and the bank just doesn’t seem stable. 

Nationwide although I like them their banking app looks good but I just find it very clunky and especially the direct debit list, the dates are sometimes showing incorrectly. There is also no option for open banking accounts to show and it still has a long way to go. 

For Santander (I haven’t used the new app that is reported to have been launched) it is ok nothing fancy but does what you need it to do. 

Lloyds Bank/Bank of Scotland/Halifax I find is the best of the traditional banks, being able to view upcoming payments and everything is just easy to use no faffing about with card readers or biometrics etc when trying to set up payees or to log in. The only thing is that the layout could be improved there is usually too much information but nice that you can see upcoming payment

Basic?, clunky?, not many features?

I don't tend to understand/fully understand when people say things like that.

Nothing wrong with basic look as long as you can do what you need to do what's the problem. 

Clunky?, I don't find TSB/Nationwide apps clunky. Nationwide recently added options to their app allowing you to view more on home screen.

Not many features?, what specific features do you want/need from CO Operative, First Direct etc that you haven't mentioned?. First Direct recently launched notifications.

The new look Santander app looks more complicated to me & is taking more time to get used too, they have separate big boxes containing nothing more than a link for card details which could just be an option in the existing account boxes.

I just feel if you have a banking app you should be able to view all of your card details, view your pin if you forget, it shouldn’t feel slow, the Nationwide app doesn’t feel very secure, you go back into it if you didn’t log out and it briefly shows your account and balance before saying the app needs restarted, if it wasn’t me using my device there someone else would be able to see my account for a few seconds, the co-operative bank app was slow at receiving faster payments, also there was something that I wanted to do like check direct debits I think it was but I couldn’t or not being able to view bank statements or transfer to a new person. I can’t remember I just know that it wasn’t great.

If banks are closing branches they need to provide the same service lost in a branch and I feel like a lot don’t provide this. Even the telephone support is being reduced so much nowadays. I remember being able to call the back 24/7 now You’re lucky to get anyone on the phone after 6pm. 

First BIB: I have a feeling that the view/change your PIN and view your CVV number was something that Mastercard developed, possibly when they were trying to take custom away from Visa in the UK. I note that the two banks I use who issue Visa (one of which is Nationwide) don't offer these services in their app, but all of my Mastercard issuing banks do. Someone will now highlight why I am wrong

Second BIB: I'd just point out that Nationwide aren't closing branches, and no branches ever provided the functionallity to view your PIN - the best they could do was arrange to post you a new one if you'd forgotten it. 

Barkin

FWIW I've just checked 2 Visa & 2 Mastercard accounts. 

All 4 are the same - the apps all show CVV & PIN, but none allow the PIN to be changed. 

Rob5342

Lightning360 said:

penners324 said:

Most of the legacy banks have pretty woeful apps.

How? Most have massively improved in recent years and they  essentially all have the same features as the mobile only banks now.

They might have some of the same headline features but the implementation can be a lot worse. Halifax for example have transaction notifications but they can a very long time to show up, over an hour in some cases. Monzo and Starling are immediate. It only seems to be Monzo and Starling that have pots which are invaluable for budgeting, I don't think any of the old fashioned banks have those.

Nationwide's is so bad it's laughable. 

hoc

Barclays for being so clunky, transactions occasionally disappearing and spamming with almost daily notifications. Most bank apps work fine but have become significantly worse in recent years forcing tablet size interface, restricting screenshots, logging out when swiping to check something in another app.

EarthBoy

Rob5342 said:

It only seems to be Monzo and Starling that have pots which are invaluable for budgeting, I don't think any of the old fashioned banks have those.

Both TSB and Virgin have pots. Personally, I can't see how pots are any different to easy access savings accounts. Most banks will let you have several savings accounts which you can use for different things. 

jameseonline

EarthBoy said:

Rob5342 said:

It only seems to be Monzo and Starling that have pots which are invaluable for budgeting, I don't think any of the old fashioned banks have those.

Both TSB and Virgin have pots. Personally, I can't see how pots are any different to easy access savings accounts. Most banks will let you have several savings accounts which you can use for different things. 

Pots don't require having several separate account numbers and sort codes.

Wish pots were more of a thing before I setup 20 or whatever savings accounts with NatWest/RBS years back, Ahh well they were dumb enough to give me them etc.

Rob5342

EarthBoy said:

Rob5342 said:

It only seems to be Monzo and Starling that have pots which are invaluable for budgeting, I don't think any of the old fashioned banks have those.

Both TSB and Virgin have pots. Personally, I can't see how pots are any different to easy access savings accounts. Most banks will let you have several savings accounts which you can use for different things. 

Monzo's pots are much more flexible than having separate accounts. You can set direct debits and standing orders to come out of a particular pot, I have all my bills set to come out of my bills pot so when I get paid I put enough in the bills pot to cover all the bills so the money is kept separate. I also have pots for each weeks budget and childrens pocket money. You can create and delete them in seconds which is far more convenient than opening and closing savings accounts. 

Indout96

Hate CO-OP and Monzo (I know a lot like it but I hated it so used it to switch)
Love Chase, find it so fast and really like the auto close when you just swipe the app closed.
The rest are OK