[jaza]

My main bank is Commonwealth aka CBA (one of the "big 4" banks here in Australia). For a long time, I held out against installing their mobile app (on Android), and managed fine with their web UI (and with 2FA codes via SMS). Then, 2 or 3 years ago, I needed to start using PayID (sort-of Australia's version of Venmo, ie free instant transfers, except it's supported directly by all the major banks here). And I discovered that CBA had (deliberately?) only added PayID support to their mobile app, you absolutely can't use it in their web UI (last I checked). So I had to finally relent and install the mobile app. I started out only opening it on the rare occasions when I needed to send money to someone via PayID.

Then, a while later, CBA pretty much phased out SMS-based 2FA (or they said that if you had the mobile app installed then you can no longer use it?). Only other supported option is in-app 2FA (no support for third-party TOTP apps). So I had to start opening the mobile app every time I needed a 2FA code. Then, within the last year or so, they made a new rule, that in order to log in to the web UI at all (just initial login, I'm not talking about sending money or any other high-risk action), you had to receive a push notification via the mobile app and tap "allow". So now I literally can't log in to the web UI without also logging in to the mobile app!

So, unfortunately, "just keep using the bank's website on desktop" is increasingly and deliberately becoming not an option. I assume there are many similar stories with other banks around the world.

[elitistphoenix]

I paid someone via payid via the web ui. Was via an email address. It was a while ago though and haven't used it since. Also I've never used the app since the blocked rooted devices, magisk stopped working (cause of safetnet) and moved back to sms "security". I just logged in then without having to enter a code. I do note you need to allow browser fingerprinting to allow the login to work. Otherwise it's some generic error.

I've made a lot of noise about it so maybe they've "unblocked" me to shut me up. Email the CEO so it registers a complaint. Make some noise. Definitely have another bank though as you can't just depend on one.

[severino]

So, leaving aside the discussion about whether someone wants to use their bank's application or not, what's the bank response if their application just doesn't work in your phone? That you must purchase a new phone or be locked out of using your account?

I hope, now that the debate about our excessive reliance on American tech is on the table, that we also put limits on those essential services, like banks, imposing the usage of products from only two companies (Google or Apple) in order to operate. I think that goes at least against the spirit of the European Union.

[hunterpayne]

> I hope, now that the debate about our excessive reliance on American tech is on the table

LOL, you couldn't even place a phone call in Australia without some US technology connecting the call. I should know, we setup the app that calculates your bill. That's from the US too.