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Get a new bank. If the bank is a part of a significant problem for your life you should just swap it out for a bank that will let you access your accounts thro

Get a new bank. If the bank is a part of a significant problem for your life you should just swap it out for a bank that will let you access your accounts through a browser as needed. Toss your smart phone and only use the dumb phone.

thenaturalist 6y ago
This, 100%.
teserodo 6y ago
Can you advise a bank account? I have three, currently, and they all require a smartphone to use them. My GitHub account now also requires a smartphone to log in for 2fa, which I was required to setup on my account (they do have SMS functionality, but not in my country). More and more, a smartphone is simply inescapable as a form of identity. It sucks - but the backup form of identity is a phone number, which sucks even more.
- jklein11 6y ago
  What country are you in? In the US I am beyond happy with Charles Schwab. I’ve been using them for ~10 years and I can’t think of a reason why I would switch.
  - teserodo 6y ago
    Ireland. There are strict regulations around 2fa for online banking.
- ALittleLight 6y ago
  I have only ever used one bank (Wells Fargo) my entire life, so I am not a good candidate to suggest banks. I am satisfied with Wells Fargo though, for what it's worth. I can log in through the browser.
  - teserodo 6y ago
    I'm from Europe. There's all kinds is new regulations around 2fa for banking apps that came out last year, logging in seems to absolutely require a phone now, and all my accounts use an app to do it.
    - ranguna 6y ago
      2fa through SMS? You don't need a smartphone for that. I don't know about Ireland, but in Portugal most banks have a Web app and not just a mobile app.
      - swen-rekcah 6y ago
        Sorry I should have been clearer - the banking app is Monzo and they don’t have a web app for mobile or desktop
        deleted 6y ago
        [deleted]
        maccard 6y ago
        If you're using monzo I'm guessing UK - pretty much all the banks other than monzo, starling, revolut are _fine_
    - Symbiote 6y ago
      Neither of my British accounts require a smartphone to log in, they send an SMS or make a voice call. My Danish account uses either an app or SMS. You probably can't use a startup bank, as the app is one way they cut costs. Use a boring bank.
      - mrweasel 6y ago
        Just curious: Doesn't you Danish account still support the little cardboard card with the one-time codes? Personally I really hate that they want to kill the card, and go to an app model (with the option of a key fob). It's made even worse by the police (and others) pushing the idea that the app is safer. How is it safer to have your two-factor authentication app on the same devices as the apps that need the second factor? Those things should be separate.
- swen-rekcah 6y ago
  Sorry I should have been clearer - the banking app is Monzo and they don’t have a web app for mobile or desktop
- KMnO4 6y ago
  > My GitHub account now also requires a smartphone to log in for 2fa TOTP isn’t exclusive to mobile apps. You can easily use the authenticator from a desktop. Some password managers (eg 1Password) have this built in as well.
- toast0 6y ago
  Not intending to offend or be offensive, but how do old people bank in your country? My parents wouldn't be caught dead with a smartphone, but they still need to do banking.
  - livre 6y ago
    I can't speak for GP but we have mobile-only* banks in my country too. They usually have better interest rates, let you easily pay your bills from the app and let anyone open an account with just an ID. Many traditional banks have a lot of not so easy to meet requirements for opening an account and not so good customer service. Old people still use traditional banks because they are used to them and don't mind waiting 4 or 5 hours in queue for something that only takes 2 minutes on an app or a website. * To clarify this, I don't mean banks that require a mobile app for TOTP or some sort of security, I mean banks that only let you operate through their mobile app. Their website is usually just a link to the app stores. and some FAQ, they don't have a physical location you can go.

thenaturalist 6y ago

This, 100%.

teserodo 6y ago

Can you advise a bank account? I have three, currently, and they all require a smartphone to use them. My GitHub account now also requires a smartphone to log in for 2fa, which I was required to setup on my account (they do have SMS functionality, but not in my country). More and more, a smartphone is simply inescapable as a form of identity. It sucks - but the backup form of identity is a phone number, which sucks even more.

jklein11 6y ago
What country are you in? In the US I am beyond happy with Charles Schwab. I’ve been using them for ~10 years and I can’t think of a reason why I would switch.
- teserodo 6y ago
  Ireland. There are strict regulations around 2fa for online banking.
ALittleLight 6y ago
I have only ever used one bank (Wells Fargo) my entire life, so I am not a good candidate to suggest banks. I am satisfied with Wells Fargo though, for what it's worth. I can log in through the browser.
- teserodo 6y ago
  I'm from Europe. There's all kinds is new regulations around 2fa for banking apps that came out last year, logging in seems to absolutely require a phone now, and all my accounts use an app to do it.
  - ranguna 6y ago
    2fa through SMS? You don't need a smartphone for that. I don't know about Ireland, but in Portugal most banks have a Web app and not just a mobile app.
    - swen-rekcah 6y ago
      Sorry I should have been clearer - the banking app is Monzo and they don’t have a web app for mobile or desktop
      - deleted 6y ago
        [deleted]
      - maccard 6y ago
        If you're using monzo I'm guessing UK - pretty much all the banks other than monzo, starling, revolut are _fine_
  - Symbiote 6y ago
    Neither of my British accounts require a smartphone to log in, they send an SMS or make a voice call. My Danish account uses either an app or SMS. You probably can't use a startup bank, as the app is one way they cut costs. Use a boring bank.
    - mrweasel 6y ago
      Just curious: Doesn't you Danish account still support the little cardboard card with the one-time codes? Personally I really hate that they want to kill the card, and go to an app model (with the option of a key fob). It's made even worse by the police (and others) pushing the idea that the app is safer. How is it safer to have your two-factor authentication app on the same devices as the apps that need the second factor? Those things should be separate.
swen-rekcah 6y ago
Sorry I should have been clearer - the banking app is Monzo and they don’t have a web app for mobile or desktop
KMnO4 6y ago
> My GitHub account now also requires a smartphone to log in for 2fa TOTP isn’t exclusive to mobile apps. You can easily use the authenticator from a desktop. Some password managers (eg 1Password) have this built in as well.
toast0 6y ago
Not intending to offend or be offensive, but how do old people bank in your country? My parents wouldn't be caught dead with a smartphone, but they still need to do banking.
- livre 6y ago
  I can't speak for GP but we have mobile-only* banks in my country too. They usually have better interest rates, let you easily pay your bills from the app and let anyone open an account with just an ID. Many traditional banks have a lot of not so easy to meet requirements for opening an account and not so good customer service. Old people still use traditional banks because they are used to them and don't mind waiting 4 or 5 hours in queue for something that only takes 2 minutes on an app or a website. * To clarify this, I don't mean banks that require a mobile app for TOTP or some sort of security, I mean banks that only let you operate through their mobile app. Their website is usually just a link to the app stores. and some FAQ, they don't have a physical location you can go.