Banking App - Which of the main ones has the best one.

Please note this sub-forum does not provide professional finance advice. You should seek advice from a licensed financial advisor.

To post in this sub-forum you must have made 100 posts or have Trust status or have completed our ID Verification.

If investing please consider our affiliate link for new accounts: Sharesies.

Forums › Finance and wealth management › Banking App - Which of the main ones has the best one.

1 | 2 | 3 | 4

6099 posts

Uber Geek
+1 received by user: 1465

Trusted

#3274522 22-Aug-2024 16:09

ASB app can be a little pants. Who doesn't have secure messaging in app.

Previously known as psycik

Home Assistant: Gigabyte AMD A8 Brix, Home Assistant with Aeotech ZWave Controller, Raspberry PI, Wemos D1 Mini, Zwave, Shelly Humidity and Temperature sensors
Media:Chromecast v2, ATV4 4k, ATV4, HDHomeRun Dual
Server Host Plex Server 3x3TB, 4x4TB using MergerFS, Samsung 850 evo 512 GB SSD, Proxmox Server with 1xW10, 2xUbuntu 22.04 LTS, Backblaze Backups, usenetprime.com fastmail.com Sharesies Trakt.TV Sharesight

Lias

5655 posts

Uber Geek
+1 received by user: 3978

ID Verified

Trusted

Lifetime subscriber

#3274547 22-Aug-2024 18:14

Out of ANZ, BNZ, Rabo, Coop, & SBS, BNZ is hands down best IMHO.

I'm a geek, a gamer, a dad, a Quic user, and an IT Professional. I have a full rack home lab, size 15 feet, an epic beard and Asperger's. I'm a bit of a Cypherpunk, who believes information wants to be free and the Net interprets censorship as damage and routes around it. If you use my Quic signup you can also use the code R570394EKGIZ8 for free setup. Opinions are my own and not the views of my employer.

eracode

Smpl Mnmlst
9334 posts

Uber Geek
+1 received by user: 6203

ID Verified

Trusted

Lifetime subscriber

#3274551 22-Aug-2024 18:56

mattwnz:

turtleattacks:

We have ASB, ANZ and BNZ.

BNZ and ANZ are probably the best.

I find the BNZ one sucks as there are things that you can't do through it such as setting up TDs and have to use the website version.

Really - what about this?

I can’t comment on other banks’ apps because I use only the BNZ one. I’m very much a bank-sceptic but I really like the BNZ app - it’s excellent IMO.

Sometimes I just sit and think. Other times I just sit.

jonathan18

7415 posts

Uber Geek
+1 received by user: 2850

ID Verified

Trusted

#3274555 22-Aug-2024 19:02

eracode:
mattwnz:

I find the BNZ one sucks as there are things that you can't do through it such as setting up TDs and have to use the website version.

Really - what about this?

Yep, I confirmed that on the previous page! https://www.geekzone.co.nz/forums.asp?forumid=191&topicid=315850&page_no=1#3274508

eracode

Smpl Mnmlst
9334 posts

Uber Geek
+1 received by user: 6203

ID Verified

Trusted

Lifetime subscriber

#3274566 22-Aug-2024 19:45

eracode:

mattwnz:

turtleattacks:

We have ASB, ANZ and BNZ.

BNZ and ANZ are probably the best.

I find the BNZ one sucks as there are things that you can't do through it such as setting up TDs and have to use the website version.

Really - what about this?

@mattwnz What other things are not able to be done through the BNZ app?

Sometimes I just sit and think. Other times I just sit.

mattwnz

20520 posts

Uber Geek
+1 received by user: 4797

#3274571 22-Aug-2024 20:21

Just tried testing the BNZ app with setting up a TD and it does now allow it. Pretty sure that is a new feature as I recall last time I tried it just redirected to the TD page on the website. I recall they did send an email recently stating they had new online banking TD features

HP

Shop now for HP laptops and other devices (affiliate link).

mattwnz

20520 posts

Uber Geek
+1 received by user: 4797

#3274572 22-Aug-2024 20:22

davidcole:
ASB app can be a little pants. Who doesn't have secure messaging in app.

A lot of banks don't TBH

jonherries

1434 posts

Uber Geek
+1 received by user: 317

Trusted

Subscriber

#3274583 22-Aug-2024 20:51

Here is an Issue with the Kiwibank app that I think tells the story:

You can’t pay your credit card on the due date unless you manually create the payment event and manually add the value…

This is despite there being a button on the credit card view that only lets you pay the due balance immediately. It uses the same view as above, but it won’t let you change the date as the picker is greyed out.

There are a bunch of other issues that I have provided for the app dev team directly but presumably they are busy scrumming in an Agile way and don’t have time for making my life easier as a customer.

Jon

davidcole

6099 posts

Uber Geek
+1 received by user: 1465

Trusted

#3274588 22-Aug-2024 21:09

mattwnz:
davidcole:
ASB app can be a little pants. Who doesn't have secure messaging in app.

A lot of banks don't TBH

Apart from seeing balances and making the odd payment. I can’t think of a feature that should be in a banking app other than being able to contact staff. Without having to wait forever on the phone. Or email them where they can’t do anything until you’re authenticated

mentalinc

3384 posts

Uber Geek
+1 received by user: 1023

Trusted

#3274648 23-Aug-2024 06:59

So you'd be happy to pay thousands or 10's of thousands more just to have a better app experience?

CPU: AMD 5900x | RAM: GSKILL Trident Z Neo RGB F4-3600C16D-32GTZNC-32-GB | MB: Asus X570-E | GFX: EVGA FTW3 Ultra RTX 3080Ti| Monitor: LG 27GL850-B 2560x1440

Quic: https://account.quic.nz/refer/473833 R473833EQKIBX

Brunzy

2019 posts

Uber Geek
+1 received by user: 241

Trusted

#3274652 23-Aug-2024 07:36

Senecio:
I'm happy with the ANZ app, but I can't compare it to anything else as we've banked with ANZ for the last 7-8 years. I haven't set foot in, logged into the website or made a phone call to ANZ in that time. Everything is done via the app.

Pretty much mirrors my case scenario.
All was good until recently I could no longer login, first time I had tried to call in many years, multiple phone calls even early in the a.m. at least 30 minute wait time.
Not easy to email either if you want a quick answer.
Necessitated a visit to the branch, which fortunately we still have one. She asked for my password, I haven’t used it in probably five years. I login via pin number in the app.
Fortunately, got it right, while there I told her we were heading overseas in a few weeks, arrived and card got declined, trying to withdraw cash.
Also CC Got declined, trying to pay a Bill, there is no temporary block on the app
“ It’s available and ready to use”
I have an email from them stating this also but it doesn’t work. I’ve made alternative arrangements until back in NZ.
As a footnote, I also called ASB to inform them of our overseas trip ,they answered immediately

Mighty Ape

Shop now at Mighty Ape (affiliate link).

jonathan18

7415 posts

Uber Geek
+1 received by user: 2850

ID Verified

Trusted

#3274659 23-Aug-2024 08:21

mentalinc:

So you'd be happy to pay thousands or 10's of thousands more just to have a better app experience?

I think this is, in the end, a fair point.

If I still had a mortgage the no. 1 driving factor would be the interest rates and the best overall deal from a $ perspective; provided the digital interface via the app and web didn't completely suck (in terms of lacking critical features) I'd cope.

Even now, the app experience isn't likely to make me switch my primary bank provided it's decent enough; it's also easy enough to use different banks for different purposes, eg I've rarely had my main credit card with my primary bank as I'll select that based on the best rewards deal going (though, as per another thread points out, they are all getting less generous). I'm also a bit of a rates slut so am happy to put up with using a wide range of banks (and their apps) to chase better returns. In the end, provided it does the job...

KiwiSurfer

1724 posts

Uber Geek
+1 received by user: 993

ID Verified

Lifetime subscriber

#3274684 23-Aug-2024 10:13

jonherries: Here is an Issue with the Kiwibank app that I think tells the story:

You can’t pay your credit card on the due date unless you manually create the payment event and manually add the value…

This is despite there being a button on the credit card view that only lets you pay the due balance immediately. It uses the same view as above, but it won’t let you change the date as the picker is greyed out.

There are a bunch of other issues that I have provided for the app dev team directly but presumably they are busy scrumming in an Agile way and don’t have time for making my life easier as a customer.

Jon

I suppose not surprising given people who pay on the due date don't really make as much money for the bank as the ones that only pays the minimum payment. /tinfoil hat

davidcole

6099 posts

Uber Geek
+1 received by user: 1465

Trusted

#3274685 23-Aug-2024 10:18

jonherries:
You can’t pay your credit card on the due date unless you manually create the payment event and manually add the value…

Jon

ASB Has this annoyance as well. I can pay it now, but not future date it without manually creating a payment and tying in the closing balance. I want access to that 55 days thanks, so you can bloody well wait for me to pay it.

sud0

283 posts

Ultimate Geek
+1 received by user: 117

ID Verified

Lifetime subscriber

#3274690 23-Aug-2024 10:29

michaelmurfy:

BNZ then ANZ.

I find personally the other banks are quite behind now.

Yeah.. I couldn't even use Google Pay with my Kiwibank card a couple of years ago. Not sure if they've finally deployed that feature now.

Lucas

lpossamai.me

1 | 2 | 3 | 4