this post was submitted on 02 Oct 2025
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While I full heartily agree with you, I'm pessimistic you will ever reach enough people with these alternatives. Even on privacy forums you hear people fervently defending how banking apps are mandatory. Those will never run on anything that isn't locked down. The eID proposal for the EU is also dependent on Android and iOS.
This i don't get, i'd rather use home-banking from my home PC.
Yes but you can't motherfucker, don't you understand that? In most of the world you have to use the app, you CANNOT use online banking without the bank's app on your phone, you have no sign-in details apart from the email and the bank app, it is the only way to sign in and you sign in via 2FA inside their app and authorize transactions exclusively via that, and no you can't use Google authenticator or whatever, it's a "tap to allow sign on" type 2FA and the only kind supported.
There is no "home banking", and you are not even allowed to enter a physical bank location on the high street without being intercepted by a ghoul telling you to use the app or fuck off, you cannot call the bank because they have no public number, you do everything via the app or you cannot do anything at all.
That's why even people without access to drinking water have the latest fucking smartphones, they're a prerequisite and there are no alternatives.
Most of the time you don't even have a bank card, just the bank card details in the bank app on your phone that are automatically added to Google Pay, and you use that because near everything is cashless and NFC.
Soon across EU and UK your very ID will be stored on your phone.
I don't need to use an app to manage my bank account.
Sounds like you people have shitty banks. Maybe it's time to switch?