Unfortunately many banks in the UK no longer offer a web portal or physical branches.

I'd love to see legislation that mandated a functioning web experience for critical services like this (banking, utilities, etc) - otherwise it will continue to further entrench the current duopoly.

(I suppose this is also an instance where I should do a better job of voting with my feet and supporting services that do offer this)

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microtonal 4 hours ago | parent | next [-]

Good news for EU citizens though, PSD3 will require that authentication methods without a smartphone are provided:

https://ec.europa.eu/commission/presscorner/detail/fr/qanda_...

Require payment services providers to ensure that all users can benefit from methods to perform SCA which are adapted to their needs and situations and, in particular, that those methods do not depend on one single technology, device or mechanism, for instance on the possession of a smartphone.

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nh2 an hour ago | parent | prev | next [-]

Wise in the UK currently is good. You can use it completely without a phone app. It also has good support for passkeys, TOTP, and SMS OTP, allowing to add multiple of each as it should be. If you do choose the Wise app, it currently warns when you run a custom Android ROM, but let's you use it.

Our company also uses Revolut business, but that requires a phone app to verify online payments with cards. And Revolut recently changed the app so it now requires Google Play Integrity so it doesn't work with LineageOS anymore. So I'm looking to move all new things away from Revolut. I have little patience with companies that want to unbank my company, and decide what hardware or software we use.

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cryo32 3 hours ago | parent | prev | next [-]

Huh? Why the hell would you use a bank that doesn't offer a web portal or have branches if there are banks that still do?!?!

I bank with HSBC in the UK and there's still branches (worldwide) and banking via web.

I assume you mean things like Starling and Monzo in this case? Banking with them is simply dangerous.

	▲	alightsoul 2 hours ago \| parent [-]
		There's mobile payment apps worldwide like yappy and UPI, that don't have a web interface and are local monopolies. Even worse they are sometimes controlled by a single large bank, not a government and not a consortium so you're entirely beholden to their (confidential) decisions, whatever they might be. It's not like in the US where you have Venmo, Zelle, and Cash app, or China where there's WeChat and alipay.

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ninalanyon 5 hours ago | parent | prev [-]

> many banks in the UK no longer offer a web portal

Same in Norway.

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birdsongs 30 minutes ago | parent | next [-]

Is it that dire? I'm in with DNB and Nordea and they both have functioning netbanks. But I don't know how the rest are.

I've been getting by with a bankid codebrick and web browser access (although Nordea and DNB apps work fine on GrapheneOS).

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cynicalsecurity 4 hours ago | parent | prev [-]

Poland, all banks I know offer web portal. Linux, Firefox - works perfectly.

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TeMPOraL 3 hours ago | parent [-]

Follow up question: how many of those still let you log in and authorize transfers without relying on their mobile app as required second factor?

	▲	cynicalsecurity 2 hours ago \| parent \| next [-]
		Good point. They don't. Huh, that's really worrying. My bank started requiring phone for web portal only about a few years ago. They don't allow to use an alternative MFA method. This should be made illegal.
	▲	juleiie 3 hours ago \| parent \| prev [-]
		This is all inevitable direction over long period of time What’s worrying is that noone protests about it It doesn’t suprise me that corporations and governments want the laziest, most „protective” laws passed that extend their power. But why noone, absolutely noone puts some kind of resistance to it? Government and citizens are at eternal conflict of interests. It has been this way and it will be this way forever. Your job as a citizen is to make sure you have greatest amount of liberties Noone will do it for you.