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this post was submitted on 12 Aug 2024
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Two months ago I had to buy a new phone because my new bank's app refused to install on the android version of my previous (perfectly working) android phone that I had had for 6 years. The phone brand was not providing android updates for it.
And I was required to install the app because the website of the bank needed a code that only the app could provide in order to access my account.
And the app itself required a code that I could only get by SMS.
In normal situation I would have gone to a different bank but this time I can't because I signed my mortgage with this bank...
And everything is a slog with them, I hate this bank. And I will be stuck with them for decades.
It should be illegal for bank to refuse access if don't have the 'correct' phone OS
I get it through from the banks perspective. The OS is no longer getting security updates, so this is a fault of the phone manufacter for not having a long term commitment to security and OS updates.
Yeah this is pretty bad.
Why's that? I have my mortage through one bank but literally never use the actual services of the bank, I've never called them or used their app or logged into the site. My current account and savings accounts are with another bank separate to my mortage provider.
Also, won't you be able to change when you come to re-mortgage if another bank offers a better deal?
Yeah, I do the same with my mortgage. Statements emailed to me monthly so I never need to log in to get them (annual escrow statement as well). Payments made via my normal bank's Bill Pay feature. No reason to ever log in to my mortgage holder's website/app.
Yea you are right I might be able to change sometime in the future.
You absolutely don't have to stay at the bank you have a mortgage through. My checking/savings, auto loan and mortgage are all at different banks.