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I doubt the banks in the UK have decent or even functional websites for mobile screens. I couldn't really deal with the frustration of using a half-baked website for banking, given that most of the apps themselves are half-baked too.
Convenience wins for me, I'm afraid.
To each their own. My only point was to count that who i replied to who implied everyone has to use a banking app.
I personally refuse to use apps and if I can ONLY use a service via a smartphone app then I will simply not use the service.
Most of them are OK, I've not encountered any that are unusable though