Opinions of your banks online banking experience?

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Forums › Finance and wealth management › Opinions of your banks online banking experience?

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cyberhub

224 posts

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#1090403 17-Jul-2014 09:13

I started to use ANZ internet banking five years ago and found it incredibly frustrating to use. I am really happy with ASB's internet banking. They are always improving it and making it better.

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billgates

4705 posts

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#1090409 17-Jul-2014 09:18

I use ASB and ANZ both with 2FA authentication. I really like ASB's online banking platform. It's nice and simple and you can do some neat things like change the address on your credit card or VISA debit to an overseas address online which takes effect straight away if you come across an overseas service that confirms the billing address associated on the card. You can also change your PIN number online.

ANZ takes 3 business days to change your address and you have to submit an form online. Their online banking platform was unintuitive when I first signed up but in the last 12 months, they have made it a lot easier to use.

Do whatever you want to do man.

jfanning

438 posts

Ultimate Geek
+1 received by user: 82

#1090411 17-Jul-2014 09:20

raytaylor: I used to be with ANZ - when they merged the backend with national bank it went to crap.
You cant even have two usernames for different people to login anymore

That wasn't a National Bank feature, ANZ came up with that one all on their own

allan

2073 posts

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#1090412 17-Jul-2014 09:20

DarthKermit: I've only ever used ANZ's online banking, so have nothing else to compare it with. I guess it works.

I was very annoyed that they introduced 2FA with no warning. I had to get our personal banking contact to exclude me from that, as I need to be able to add casual payees if I'm paying for things thru Trademe.

The 2FA thing will have been driven by the anti-money laundering legislation (AML).

DaveDog

336 posts

Ultimate Geek
+1 received by user: 169

#1090469 17-Jul-2014 09:59

I have in the last few years used the NZCU, Westpac, BNZ and Kiwibank sites... I'm still with Kiwibank and reckon it is by far the best.

rayonline

1736 posts

Uber Geek
+1 received by user: 51

#1090490 17-Jul-2014 10:11

I have both Kiwibank and ANZ. I just got ANZ b/c they have more ATM machines. They offer a good 4.25% savings account and a free transaction account. If the balance climbs $20 every month.

Kiwibank offers a free transation a/c but their online call saver account which is their highest % savings account is only 3.15% and you need least $2,0000 balance. They used to offer higher but now I put my funds elsewhere. ASB savings account is a similar think I think and they also have a free transaction account.

BNZ offers a nice one too at 4.25% as well but the savings account balance only needs to climb $1 every month. They have a free transaction account but without an ATM card (Online Personal Call Account).

The ANZ I know charges you to deposit money in person - hence I use the Kiwibank and then online transfer it around ... Not sure about ASB though. But the wee thing with ASB is that if you do a transfer pass an amount it requires you to pay some money for a secure code via SMS.

Edit - Kiwibank you can apply for a free CC also. For the retirement package I find that ANZ offers the best, parents are on it, you get a half price Gold/Plat CC (not the airline cards thou). Free transaction account of any so you can get that $15 monthly account for free (which gives you a bit of interest too on balances) - all you can use in person teller services (excl exceptions like setting up auto payments), can use your ATM card at any NZ ATM machines. For normal people I gather they might be happy with just a online transaction account maybe a Kiwibank free CC but don't limit yourself to just one bank. You can have more.

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alasta

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#1090511 17-Jul-2014 10:30

I love BNZ's You Money. The web site and iPhone app are very user friendly, and I hear that they have an iPad app in the works.

A while back I emailed them feedback asking them to enable transaction file exports via You Money so that I don't have to keep switching back to the clunky old system, and they are currently working on getting this up and running.

Kyanar

4089 posts

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#1090796 17-Jul-2014 15:15

rayonline: But the wee thing with ASB is that if you do a transfer pass an amount it requires you to pay some money for a secure code via SMS.

Que? It's free to receive a Netcode SMS. You only pay money if you want a physical Netcode token (RSA SecurID).

Demeter

709 posts

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One NZ

#1090798 17-Jul-2014 15:18

psychrn: The ASB website is very good but the Android/windows apps are superb in my view

+1000 - ASB all the way! The 'Pay Facebook Friend' & 'Trade Me Seller' thing is the best thing to happen to online banking in my life. Their real-life customer service people are amazeballs and their Social Media people are great too.

...I'll stop gushing now. Pay me no heed, I've had a lot of sugar today.

graemeh

2080 posts

Uber Geek
+1 received by user: 226

#1090877 17-Jul-2014 16:32

Kyanar:
rayonline: But the wee thing with ASB is that if you do a transfer pass an amount it requires you to pay some money for a secure code via SMS.

Que? It's free to receive a Netcode SMS. You only pay money if you want a physical Netcode token (RSA SecurID).

ASB (and Bankdirect) used to charge you a fee when they sent the SMS. They both dropped this some time ago.

PhantomNVD

2619 posts

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Inactive user

#1090918 17-Jul-2014 17:50

Kiwi bank is tops for me. Good clean app, regularly updated, and best borrower rates consistently. Offset Morgage is a nifty idea, and varied account viewing us great too. The (iPhone) app even allows you to set account balances which can be viewable without logging in too!

I only show the daily chequing( who uses cheques anyway??) and Visa but it's great when standing in front of a nifty piece of tech at telling me quickly if I can get it :)

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AidanS

458 posts

Ultimate Geek
+1 received by user: 135

#1090936 17-Jul-2014 18:28

Vote for Kiwibank here.

Their internet banking experience is seamless on both desktop and mobile. You can quickly find what you're looking for as the user interface establishes quality user experience.

However, something possibly worth noting is that they probably won't be getting Paywave for their debit cards anytime soon, as that's what my banker told me when I asked. He said at this stage they only intend to use NFC on their MasterCard CC's. (obviously this could, and hopefully will change in the future).

On a side note, I'd highly recommend RaboDirect for any investment/savings accounts. Their rates blow most other brick and mortar banks out of the water.

-A.

Kyanar

4089 posts

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#1092282 20-Jul-2014 06:44

AidanS:
However, something possibly worth noting is that they probably won't be getting Paywave for their debit cards anytime soon, as that's what my banker told me when I asked. He said at this stage they only intend to use NFC on their MasterCard CC's. (obviously this could, and hopefully will change in the future).

What's the point? Places are actually disabling NFC payments for debit cards (Countdown anyone?) and I can see more places wanting to do that as they look at their processing fees for debit card transactions (why pay 1.5% when you can pay $0.25 or whatever it is?)

riahon

946 posts

Ultimate Geek
+1 received by user: 90

#1092296 20-Jul-2014 08:30

I have only been with ANZ and since there is only a year to go with my mortgage there is no real need to look for other options. Initially I did not like the changes to the online banking when they merged, but the IOS app works so well, I think I will stay with them for the long term.

scuwp

3927 posts

Uber Geek
+1 received by user: 2510

#1092306 20-Jul-2014 09:06

My vote for ASB both web and app platforms are brilliant and keep getting better. Can't recall the last time we needed to go into a branch or speak to an actual person, it's soooo easy to do everything yourself. (Not so good for the people employed in the branches I guess)

Lazy is such an ugly word, I prefer to call it selective participation

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