Banks with Apps

Rob5342

Whats wrong with just using Monzo as your main account? That's what I do. 

Leew1988

Rob5342 said:

Whats wrong with just using Monzo as your main account? That's what I do. 

Just heard a few horror stories where people's money have disappeared.. Puts me off abit 

Leew1988

Futuristic said:

Leew1988 said:

I've just had bad experience with Halifax so I'm looking at changing account too. 
I have a chase and monzo account for spending, online foreign purchases and holidays but always need a main current account as a base. 

Halifax didn't do notifications, despite it being on. They never appeared for me. Requesting a payment was OK but sending money was still old fashioned where you needed their bank details, same with chase. Monzo excels here where you can just send them a link instead. Much easier.

I'd like a main bank account, one of the main High Street banks that is, which has an online banking app fully featured like these online only banks. One as good as monzo perhaps?

100% notifications, easy sending and paying requests ideally not just bank detail methods. Just nice funky apps in general really

Any other perks and bonuses are ofcourse a bonus 

Natwest has all these: >100% notifications, easy sending and paying requests ideally not just bank detail methods

You can make a link for people to pay you (up to £500). Has saving pots etc. Honestly feel like they are under rated for high street bank which has all the digital bank features and they frequently are adding new stuff. 

Im like you and use Chase & Barclays CC for spending/travel etc. but just use Natwest for salary and stuff. 

OK, that sounds decent tbf! Kind of hoping someone tells me First Direct app is similar because looking at some of the current account articles on MSE they're winning alot of the polls for favourites, doesn't specify the reason why though! 

Leew1988

My mortgage is with Halifax though and my main bank account / salary is all Halifax, has been for yeeears! 
Anyone have experience in the same boat as me, would I make any difference at all if I closed my current account with Halifax.. Yet still had a mortgage and an active credit card with them?
I can't really see how it would or could affect anything but id rather know I asked the question first 

EarthBoy

Leew1988 said:

Futuristic said:

Leew1988 said:

I've just had bad experience with Halifax so I'm looking at changing account too. 
I have a chase and monzo account for spending, online foreign purchases and holidays but always need a main current account as a base. 

Halifax didn't do notifications, despite it being on. They never appeared for me. Requesting a payment was OK but sending money was still old fashioned where you needed their bank details, same with chase. Monzo excels here where you can just send them a link instead. Much easier.

I'd like a main bank account, one of the main High Street banks that is, which has an online banking app fully featured like these online only banks. One as good as monzo perhaps?

100% notifications, easy sending and paying requests ideally not just bank detail methods. Just nice funky apps in general really

Any other perks and bonuses are ofcourse a bonus 

Natwest has all these: >100% notifications, easy sending and paying requests ideally not just bank detail methods

You can make a link for people to pay you (up to £500). Has saving pots etc. Honestly feel like they are under rated for high street bank which has all the digital bank features and they frequently are adding new stuff. 

Im like you and use Chase & Barclays CC for spending/travel etc. but just use Natwest for salary and stuff. 

OK, that sounds decent tbf! Kind of hoping someone tells me First Direct app is similar because looking at some of the current account articles on MSE they're winning alot of the polls for favourites, doesn't specify the reason why though! 

First Direct win awards for their customer service. They're easy to contact by phone if you have any questions or problems, and the staff are helpful and friendly. 
Their app is quite basic. You can check your balance, make transfers and pay bills, but that's about all.  To be fair, that's all many people need, but if you want more you'd be better looking elsewhere. 

gt94sss2

Leew1988 said:

Futuristic said:

Leew1988 said:

I've just had bad experience with Halifax so I'm looking at changing account too. 
I have a chase and monzo account for spending, online foreign purchases and holidays but always need a main current account as a base. 

Halifax didn't do notifications, despite it being on. They never appeared for me. Requesting a payment was OK but sending money was still old fashioned where you needed their bank details, same with chase. Monzo excels here where you can just send them a link instead. Much easier.

I'd like a main bank account, one of the main High Street banks that is, which has an online banking app fully featured like these online only banks. One as good as monzo perhaps?

100% notifications, easy sending and paying requests ideally not just bank detail methods. Just nice funky apps in general really

Any other perks and bonuses are ofcourse a bonus 

Natwest has all these: >100% notifications, easy sending and paying requests ideally not just bank detail methods

You can make a link for people to pay you (up to £500). Has saving pots etc. Honestly feel like they are under rated for high street bank which has all the digital bank features and they frequently are adding new stuff. 

Im like you and use Chase & Barclays CC for spending/travel etc. but just use Natwest for salary and stuff. 

OK, that sounds decent tbf! Kind of hoping someone tells me First Direct app is similar because looking at some of the current account articles on MSE they're winning alot of the polls for favourites, doesn't specify the reason why though! 

FD win due to customer service.

They have notifications but their app doesn't have all the bells and whistles that you seem to be after.

michael1234

sausage_time said:

michael1234 said:

I wonder how many digits you need to type for the machine to start dishing out the cash?

If you are really interested it's on this page:

https://www.rbs.co.uk/banking-with-royal-bank-of-scotland/how-to/get-cash-using-the-app.html

If you are thinking of cracking it you will need a valid code and know how much that code is for.

It isn't. I mean it says a 6 digit code is required but doesn't specify what other information you have to supply. If for example it needed a sort code and account number in addition that would mean around 20 digits in total. If just the 6 digit plus the amount that doesn't sound like the most secure system in the world.

I was simply curious to know how long it would take pressing keys randomly until it gave out cash as this is quite a departure from needing to have a token (a cash card) as well as information. I'm neither a thief nor a hacker so I shan't be trying any of this out.

silverwhistle

I seem to be the only person who doesn't use a phone app but sticks to using online banking via a desktop. I have even used the Nationwide reader recently as I've been doing a bit of executor work moving some large sums (for me) around.

The separation of the functions satisfies my need for security compartmentalization and propensity to lose things! There's been no occasion when there's been the need for a mobile app, although I do have a range of cards and am thinking of a currency prepaid one.

AstonSmith

Futuristic said:

Natwest has all these: >100% notifications, easy sending and paying requests ideally not just bank detail methods

Do you get notifications for transfers in and direct debits paid out? When I enabled them I expected these, but all I get are notifications for card payments.

lr1277

My mum uses Natwest and she seems to get notifications when making faster payments out from her current account. Can't say about other situations.

The following information about FD maybe out of date as until last Thursday I had an older version of the FD app. (I now have the latest version and I have noticed no differences from what I have written below).

Notifications are for the current account only and maybe savings accounts. But definitely not a credit card account.

Notifications are not instantaneous. They usually arrive hours later. So for example a direct debit might be collected soon after midnight but I will get the notification between 3am and 4am. However the app (or the website) will show the transaction as having completed.

In terms of future transactions, it will show planned transactions (DD's, SO's and some planned money coming in, say salary) for the next working day. So from midnight on Friday morning, I will be able to see transactions for the Monday assuming it is a working day.