Financial apps on your phone

SH88SH88

https://forums.moneysavingexpert.com/discussion/comment/82170423#Comment_82170423

Not always. There are some financial Apps that won't work on a tablet . Chase is one. I think Tesco Bank is another. Several small(er) building societies too.

gambleruk

Chase certainly works on a tablet, not come across one yet which doesn't.

Section62

https://forums.moneysavingexpert.com/discussion/comment/82169909#Comment_82169909

Why on earth do all these institutions want you to call them? Are these all marketing messages?

Various reasons, none of them marketing as I always opt out of getting that by text.

Some examples, BoS and Lloyds were confirmations of complaints being logged with the complaint reference number and a freephone number to call "If you need to give us an update". BoS and Lloyds also both text if they aren't going to meet the 8 week deadline for dealing with the complaint giving a link for FoS and a reminder of the BoS/Lloyds phone number.

Melton BS sent a text with the 'customer care' phone number for a failed log-in. Santander notify changes to alerts with a phone number "If you did not do this". TSB had an ISA transfer query and gave an 0345 number to call them with the quoted reference number. Co-op was a switch completion notification with an 0345 number for "Any queries". YBS provided a link in a maturity reminder text.

There could be many reasons why you get fewer/no texts with phone numbers or links, being signed up for the apps could be one of them. The takeaway from this is user experiences may vary depending on activity and preferences, so blanket statements like "A legit text message would not include any actual contact numbers or links" should be used with caution. Likewise any links or phone numbers that do arrive by text should also be checked carefully before use.

wmb194

https://forums.moneysavingexpert.com/discussion/comment/82170479#Comment_82170479

I’ve not yet had any problems with those or with the small BS’ I’ve used on my iPad. You might have problems with old devices though running an OS the app doesn’t support.

The last I checked, the problem with Chase is that it only allows you to login on one device at a time and to switch to another device requires scanning your passport or driving licence again.

flaneurs_lobster

The takeaway from this is user experiences may vary depending on activity and preferences, so blanket statements like "A legit text message would not include any actual contact numbers or links" should be used with caution. Likewise any links or phone numbers that do arrive by text should also be checked carefully before use.

Granted, my statement was rather too general and should have reflected just my personal experience.

Maybe the more general rule is that given by Lloyds (albeit referring to emails)

We will:
• Always include your name, last four digits of an account you have with us or part of your postcode.
• Sometimes include links to more information to help you.
• Sometimes send you links to our secure app, to take you straight to the information you need.

We will never:
• Send you to a web page that asks for your log in, personal or banking details.

Hopefully those rules are extended to text messages.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82170556#Comment_82170556

If there's a finance app that doesn't allow installation on a tablet then I haven't found it.

Plenty (most? all?) need a mobile phone with an active SIM for verification but this doesn't need to be the same device.

wmb194

https://forums.moneysavingexpert.com/discussion/comment/82170623#Comment_82170623

A phone often needs to be somewhere in the mix but e.g., Lloyds can/could send OTPs to a landline.

GeoffTF

https://forums.moneysavingexpert.com/discussion/comment/82170654#Comment_82170654

You do not need a phone to bank with Nationwide. You can use the card reader instead.

GeoffTF

When I looked tablets were not an attractive options for banking. You had to pay a lot of money to get a reasonable period of support with security updates. My HP Chromebook and Samsung A17 were much better in that regard.

poseidon1

https://forums.moneysavingexpert.com/discussion/comment/82170423#Comment_82170423

Yes the default assumption seems to be to put the apps on the phone, when from my perspective it has always been my Samsung tablet for this purpose which also happens to serve as my laptop surrogate.