Money, money, money 2
Sep. 12th, 2023 06:10 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
lovingbothA text just before 7am this morning told me that the account was ready to use, and an hour later an actual readable email told me.. the same thing, but also had the sort code and account number.
At 2pm a text and an email told me that the 'switch' to Nat West was in progress.
This evening, I log into online banking. It wants three random digits from a four digit pin plus those 'WTF are they thinking??' random characters from the password.
Once I get the text with a one time login code that takes a while to arrive, that works but argh! Too many notes Mozart, erm, too much thinking required Nat West! There is no way I could do this without writing the password down which undoes so much of the supposed security.
The app is somewhat simpler and soon I can log in on that via a fingerprint. (It's also quite keen to set up some facial recognition thing, but given the level of IT competence shown by them so far, I think not.)
The app also makes it easier to get one time login codes for online banking. How do I know that?
Well, I go to look at the previously unreadable email via and.. I'm logged out and have to log back in again. When I do that, I discover that the unreadable email was saying that the account had been created.
So... it'd been created yesterday, but both app and online banking wouldn't let me log in because it wasn't?
OK, let's change the password to something I can actually remember (argh!) click on security and.. logged out.
Log back in and go 'fuck that, I'm just not using online banking after this'. A bit more browsing finds there's an offer for some free (non-Nat West) software. Click on 'get me the code for that' and.. logged out.
It is a truly terrible user experience to the point where I am almost feeling like I should get more than £200 for being subjected to it!
Certainly, although it is possible to make three quid a month - pay in so much (it would go straight out), have a couple of non-tiny direct debits and use the app once a month - that's not going to be enough to keep it and it's going the second there's an alternative.
At 2pm a text and an email told me that the 'switch' to Nat West was in progress.
This evening, I log into online banking. It wants three random digits from a four digit pin plus those 'WTF are they thinking??' random characters from the password.
Once I get the text with a one time login code that takes a while to arrive, that works but argh! Too many notes Mozart, erm, too much thinking required Nat West! There is no way I could do this without writing the password down which undoes so much of the supposed security.
The app is somewhat simpler and soon I can log in on that via a fingerprint. (It's also quite keen to set up some facial recognition thing, but given the level of IT competence shown by them so far, I think not.)
The app also makes it easier to get one time login codes for online banking. How do I know that?
Well, I go to look at the previously unreadable email via and.. I'm logged out and have to log back in again. When I do that, I discover that the unreadable email was saying that the account had been created.
So... it'd been created yesterday, but both app and online banking wouldn't let me log in because it wasn't?
OK, let's change the password to something I can actually remember (argh!) click on security and.. logged out.
Log back in and go 'fuck that, I'm just not using online banking after this'. A bit more browsing finds there's an offer for some free (non-Nat West) software. Click on 'get me the code for that' and.. logged out.
It is a truly terrible user experience to the point where I am almost feeling like I should get more than £200 for being subjected to it!
Certainly, although it is possible to make three quid a month - pay in so much (it would go straight out), have a couple of non-tiny direct debits and use the app once a month - that's not going to be enough to keep it and it's going the second there's an alternative.
(no subject)
Date: 2023-09-12 06:44 pm (UTC)There's been another email with 'how to use the account' info. Lots of people read email on their phones. Based on all I've said, do you think the email can be resized so it can be read on a phone-sized screen without horizontally scrolling?
Yep, that's right.
It does have an animated image though, of boxes escaping from a box.
If I were posting this on a site that prioritised being able to post pictures over, say, not enabling genocide, I'd be looking for screenshots from films of people looking in horrified awe...
(no subject)
Date: 2023-09-12 07:08 pm (UTC)Using the app, when you create a new payee - so I can pay the minimum monthly payment in straight back out again - it will let you press '-' as part of the sort code, but then goes 'Oh noes, you've entered six characters and I can't see six digits!'
That minimum payment is £1,250, otherwise known as most of my savings.
Unless I submit to using banking via the website, I can only pay out £1,000 a day.
(no subject)
Date: 2023-09-12 07:24 pm (UTC)Makes me realise I earn more money doing better things than fucking around with bloody banks!
(no subject)
Date: 2023-09-12 08:16 pm (UTC)If I didn't already know that you (I) will get the money because the process was started before then, I would be furious.
Still, at least no-one else need suffer from now on.
And, as I say, three of those five banks are vastly better than Nat West.