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> all apps that allow for account creation must also allow users to initiate deletion of their account from within the app No, that doesn't seem true.
by bpodgursky 5y ago
> all apps that allow for account creation must also allow users to initiate deletion of their account from within the app
No, that doesn't seem true.
- wizzwizz4 5y agoWhat bank lets you create an account just from the app? … Okay, the digital-only ones, maybe. But virtually all other banks I've used make you go to a branch.
- zerkten 5y agoRevolut and many other apps allow creation of accounts from the app per local regulations. It may require SSN in the US to complete sign-up, but it's all done through the app and is immediate. The account falls under all the regular retention and reporting requirements, although these companies mitigate some classes of issues with stricter limits, not paying any interest (even though that'd be miniscule), etc.
- SilasX 5y agoI signed up for Schwab (and numerous other financial institutions that were not "banks" per se) without having to go to a branch in person. You usually just submit photos of documents and, in some cases, have your picture taken at your computer.
- wizzwizz4 5y agoAh, yeah, that was the issue; I didn't have documents. I now remember that I could've signed up entirely online, had I had them.
- tekknik 5y agoCongrats, now those docs are stored in a database. Good luck getting them deleted.
- rattlesnakedave 5y agoYes, banks store your information in databases. Not sure what you’re driving at.
- tekknik 5y agoThey certainly don't scan and save images of your identifying documents when you go into the branch. They may store your DL and SSN number. This is a lot less than you volunteering up your identifying documents to a public webserver.
- mritzmann 5y agoI know at least two swiss banks.
- asdf3243245q 5y agoI think most major brick and mortar banks allow you to open account fully online. Try going to random bank websites and click on "open account".
- chipotle_coyote 5y agoThe guidelines apply to creation of accounts within the app, not just anywhere online.
- jen20 5y agoMonzo. Digital-only, but a "real" bank in every sense of the word.
- woobar 5y agoAny bank in America for the last 20 years. I opened my very first account at the branch cause I though they need to see me. Dozens of accounts at multiple financial institutions after that I never had to go to the branch. Most of my accounts held at places that don't have any branches within hundreds of miles. In fact Wells Fargo is famous for opening account for you without you even thinking about it.
- johnebgd 5y agoI remember pre 2008 financial collapse when you could call a banker and they’d open an account for you sight unseen. Now it’s only internet banks that do this. They still require lots of KYC documents to open an account.
- tekknik 5y agoMeanwhile, my experience with 6 bank accounts is exactly the opposite.
- cortesoft 5y agoAll major banks let you create an account without going in to a branch now.
- davidtcook 5y agoANZ Bank, in Australia - and I'm assuming the others of the Big 4 do as well (CBA, NAB and Westpac, that is). It's been added to the App for some account types over the past year or so.
- EastOfTruth 5y agoDoes that apply if you automatically create an "account"?
- TedDoesntTalk 5y agoIt doesn’t actually say the account must be deleted. It says: “…must also allow users to INITIATE deletion of their account” Capitals mine. So I can allow the initiation of deletion but never actually completely delete the account… and my app complies.
- imchillyb 5y ago> So I can allow the initiation of deletion but never actually completely delete the account… and my app complies. @TedDoesntTalk If the users that are requesting account deletions see that your app is purposely not complying, I don't imagine your app will be available for long in the app store. Your response is why Apple is implementing this change in the first place. Screw AOL and all of the rest of you making things impossible to delete, cancel, or otherwise NOT have an account. I sincerely hope you change your tune, and if you don't then I hope you receive a permanent ban from Apple's App Store. Seriously. This kind of bullshit shouldn't exist. If I can make an account easily, then I should be able to delete an account easily. If I cannot, then your business model should collapse around your fuckin' ears.
- runj__ 5y agoIt can just go through a manual review and delete the parts that they're are legally required to delete. While I don't agree with a lot of the money laundering/terror financing laws banks shouldn't have to delete your data if you're trying to avoid taxes or whatever. INITIATION is the important part, if they fail to delete the parts they're required to delete, F them: get them off the app store.
- sokoloff 5y agoThat last phrase (the punishment for violating record deletion laws) was a much softer ending to your post than I was expecting.
- filoleg 5y ago> If I can make an account easily, then I should be able to delete an account easily. Sure, if you can open an account easily, then you should be able to delete an account easily. So if we make opening an account difficult, then it is fine that deleting one would also be difficult. Sounds like an invitation to make opening an account at a bank or a bunch of other services much more difficult aka impossible from the app.