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this post was submitted on 27 Aug 2025
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Privacy
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We need rules regulating that banks do not rely on closed services to function - period.
Suggesting to use a second used phone for banking is ridiculous, for most of us banking and mobile payments are literally the most important functions of a phone after getting messages and email.
Yes, we need regulation.
But for Mobile Payment, you already have a Card so you can pay in store and every bank has a website.
I am talking as someone who has lost access to the Mobile bank for 2 weeks, and still you can dfo just about everything with the Self Service terminals
To access my banks website I need to authorize the login with the mobile app, there is no alternative to using either iOS or stock Android to get in - NONE.
Doing transactions at the bank, even at the terminal is not free and also ridiculously inconvenient…
As far as mobile payments go, i live in a country with its own currency so my only option to get favorable exchange rates in the EU is using a virtual card from a Neobank which only works with Apple or Google Pay.
Are plastic cards dead?
As far as Neobanks like wise or similar are concerned, mostly yes.
If Self Service Terminals still exist.. might be the case for Germany, but here's a complete demolition of all those Terminals. They have been replaced with a more general terminal which doesn't have the same functions.. basically only withdraw and deposit, so you are required to do online banking or make an appointment with the bank to discuss a transaction etc.. also a lot less terminals these days.
I would just use a web browser. The apps do the same thing, but get it done a bit quicker.
Thankfully my banks don't use hardware attestation.
It's not that simple for everyone, though. I can't deposit a check through my credit union's website, unfortunately. Also, because it's a credit union instead of a corporate bank, it's not like there's a branch next door or anything. The closest branch is literally a day or two of driving away from me. I have to use a mobile phone and their app to do check deposits.
I signed a mortgage with a bank that was a 37 hour drive away before. One of my current banks is a mere 9 hour drive to the nearest branch.
It seems really weird to have any functionality that's available on an app but not a website. Usually the app is stripped back to cover just the common website functions. I say this as a developer who writes both finance web frontends and mobile apps.
Weird? Yes. Surprisingly common? Also yes. My bank is the exact same way - cannot deposit checks via their website. Must be in person or use their mobile app. It's really irritating.