Open Banking apps – what’s support like if something goes wrong?

roarrory33

I’m looking at using apps/services that connect to my bank account (Open Banking) to help manage money and avoid fees.

Before doing that, I’m wondering what happens if something stops working—like transactions not updating or payments failing.

In your experience, is customer support from these services usually responsive, or can it be hard to get help?

Just trying to avoid ending up stuck with something that doesn’t work properly.

eskbanker

You don't get customer support from services, you get it from companies, so you'd need to frame the question in terms of specific app suppliers and/or banks.

flaneurs_lobster

Open Banking (as in giving third parties the ability to "pull" data/payments from your accounts) is under the control of (and paid for) by the entity that takes the data/payments.

You would have no relationship with the actual providers of the technical infrastructure that facilitates such movements. You would have to address any failures with the institution making the request.

Think of it like making a Faster Payment, you instruct your bank, your bank uses their relationship with the provider of faster payments (Pay.UK) to instruct a movement to the account of your payee. If that doesn't work then you would contact your bank, not Pay.UK.