5 ms·

I'm amazed that banking apps are the make or break example for so many people when choosing a non-apple/non-google mobile OS. How much banking is everyone doing

by uhtred 5y ago

I'm amazed that banking apps are the make or break example for so many people when choosing a non-apple/non-google mobile OS. How much banking is everyone doing on-the-go?! Just use the website! Use the mobile website if you must!

juniperplant 5y ago
Maybe you did not read my last paragraph?
- uhtred 5y ago
  so you can't login to a bank website in the EU without having their app on your phone? WTF. Really? When did that happen? I know UK isn't in the EU anymore, but NatWest (UK bank) doesn't need me to have an app -- I can get an sms code.
  - juniperplant 5y ago
    No, but (at least in my country) most banks have used the PSD2 directive as a way to phase out HW tokens and force their proprietary apps to customers. But PSD2 does not really say this is required to comply. The only alternative they offer is SMS-based 2FA which, unsurprisingly, often has an additional cost.
depaulagu 5y ago
All the banks I use (in brazil), either only have mobile app to access the bank, or they require the bank's app to use the site (the app generates a 2FA token, you can't use a third-party 2fa manager like authy).
ant6n 5y ago
In the EU u need an app on the phone in order to do banking on the website. The app authenticates transactions.
- ad404b8a372f2b9 5y ago
  That's not accurate. I validate all my transactions through SMS like I always have despite the directive.
  - juniperplant 5y ago
    I agree, but I would say the situation is not so good elsewhere. See my comment: https://news.ycombinator.com/item?id=28135648 https://news.ycombinator.com/item?id=28135648
browningstreet 5y ago
Most banks only allow check deposit by mobile (as opposed to desktop), but yes, desktop can do a lot. I'm incorporated, and some of my clients (usually new ones) will pay with a check, so without mobile I'll have to visit a branch/atm to deposit those. And my banks still use SMS MFA, so I could login online using a dumber phone.

by uhtred 5y ago

juniperplant 5y ago

Maybe you did not read my last paragraph?

uhtred 5y ago
so you can't login to a bank website in the EU without having their app on your phone? WTF. Really? When did that happen? I know UK isn't in the EU anymore, but NatWest (UK bank) doesn't need me to have an app -- I can get an sms code.
- juniperplant 5y ago
  No, but (at least in my country) most banks have used the PSD2 directive as a way to phase out HW tokens and force their proprietary apps to customers. But PSD2 does not really say this is required to comply. The only alternative they offer is SMS-based 2FA which, unsurprisingly, often has an additional cost.

depaulagu 5y ago

All the banks I use (in brazil), either only have mobile app to access the bank, or they require the bank's app to use the site (the app generates a 2FA token, you can't use a third-party 2fa manager like authy).

ant6n 5y ago

In the EU u need an app on the phone in order to do banking on the website. The app authenticates transactions.

ad404b8a372f2b9 5y ago
That's not accurate. I validate all my transactions through SMS like I always have despite the directive.
- juniperplant 5y ago
  I agree, but I would say the situation is not so good elsewhere. See my comment: https://news.ycombinator.com/item?id=28135648 https://news.ycombinator.com/item?id=28135648

browningstreet 5y ago

Most banks only allow check deposit by mobile (as opposed to desktop), but yes, desktop can do a lot. I'm incorporated, and some of my clients (usually new ones) will pay with a check, so without mobile I'll have to visit a branch/atm to deposit those. And my banks still use SMS MFA, so I could login online using a dumber phone.