CapitalOne moved to mobile app only

RetiredThornhill

I have just rung Capital One about this, and was told they don't know yet when the web access will be removed. I too use that to access my account, and I am particularly concerned because I HAVE tried to download the app, but get the message 'This app will not work on this phone'! I don't really want to use the app anyway, but I am not buying a new phone just to be able to access my account! I asked the agent from Capital One to change my statements to paper, which she has done, and I told her that switching to app only discriminates against those who don't want to, or are unable to use the app. As far as i am concerned, an app is something you have in the afternoon!

Nasqueron

You cannot be discriminated against just because you don't want to use technology, discrimination has to be certain protected characteristics.

Waiting for paper statements to be posted, which is not only an incredibly insecure movement of information and means you are waiting up to a month before noticing fraud but also costs the bank money and necessitates tree felling. You can get a suitably modern refurb phone for a hundred quid or so which will give you much more secure and instant access to the account or just move to a better provider that gives online access.

RetiredThornhill

Why should I have to buy a new phone, just to be able to access my own account?! Even spending £100 for a refurbished phone is £100 too much! I already HAVE online access - at the moment - using the web & I have only requested paper statements because the ability to view them online (as I do now) is being taken away from me!

It's not merely not wanting to have everything on my phone (even if that were possible) but the constant mantra that having everything on your phone is so much more secure, so much better, as if there have never been any phones lost, stolen, losing a signal or failing to work for any other reason! The old adage springs to mind: Don't put all your eggs in one basket!

flaneurs_lobster

Wouldn't it be simpler to just find another institution that offers a similar product and online access?

Tell us the product(s) you have and people might have suggestions.

Cap1 have done the cost/benefit and will save more money switching off the website even when factoring in losing customers such as yourself.

born_again

https://forums.moneysavingexpert.com/discussion/comment/82111304#Comment_82111304

All banks have to keep updating to newer mobile O/S as they become no longer supported & are then deemed insecure for financial products.

Maegi

https://forums.moneysavingexpert.com/discussion/comment/82109312#Comment_82109312

Reasonable adjustments doesn't mean they need to keep supporting old software that you've opted to use.

e.g. Android 13 and older have reached their End-of-Life (EOL) and no longer receive official monthly security patches from Google.

Given that their product seems to work fine with current software or phone/post, it's very likely that they have sufficient reasonable adjustments.

Enzo_L

https://forums.moneysavingexpert.com/discussion/comment/82111304#Comment_82111304

You don't have to buy a new phone.

When Virgin Money stopped online servicing of credit cards and went app only I ditched their card and went to another institution which provided the online access I wanted.

There's no point in complaining or getting irritated. The credit card market changes all the time. Just look at what's available and pick the card or cards that suit you.

I've got a Barclaycard Rewards and a Santander Rewards. Both provide a small amount of cashback plus other benefits, and one is a Visa and the other a Mastercard, so I've one of each if a system has a temporary outage.

Nasqueron

https://forums.moneysavingexpert.com/discussion/comment/82111304#Comment_82111304

You don't have to, you can choose to vote with your feet as I said and move to a provider that uses them

Phones are infinitely more secure than sending statements by post that can be lost or stolen and makes you much more at risk of fraud as you don't see problems for weeks. A lost or stolen phone is protected by biometric security so you are not at risk. Losing a signal or failing to work is not relevant as you're talking about checking an app which can be done a few minutes later.

You only want to use online banking which by definition is putting all your eggs in one basket, now you are switching to statements only which is the same with the added insecurity of post.

RetiredThornhill

It's not as simple as moving to another credit card provider; I originally had a Creation credit card, which I had had for years & for which I had access to my account via the web, but around this time last year I was notified that the Creation card was being discontinued for all customers. My husband and I then sought to apply for a different credit card. However, because we are both now retired, even though we have savings & have always paid off the balance in full every month, several cards - including those from the banks suggested - were refused. The only ones who agreed our applications were the Capital One Ocean card & Virgin Atlantic, the latter for which my husband has to ring up for the balance & have paper statements, as he is unable to download the app.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82115608#Comment_82115608

To be clear, both you and your husband were applying for a credit card each? - there's no such thing as a joint credit card (in the UK).

Savings (or the lack thereof) are never considered when applying for credit products, the criterion is affordability so what matters are your income, your outgoings and your existing level of debt.

Was you husband's inability to download the app a matter of not having the right sort of device?

There is indeed a Virgin Atlantic credit card, with benefits geared (not surprisingly) towards air travel.

Did you mean this card or the more common Virgin Money card?