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

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

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Ultimate Geek

#3274691 23-Aug-2024 10:31

Brunzy:

As a footnote, I also called ASB to inform them of our overseas trip ,they answered immediately

I'm with Westpac and ASB. This goes back to 2018 but Westpac had an option to notify them about an upcoming overseas trip which I thought was a great idea so they don't automatically block your card/s if out of character overseas transactions start happening. ASB didn't have that option (not sure if they do now) so went into the local branch and the teller I spoke with looked confused as to why I wanted to tell them. She took the details down on a piece of paper.

KiwiSurfer

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#3274692 23-Aug-2024 10:31

sud0:

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.

They deployed that a few months back. Works well -- I was able to enable it the day it launched with no issues. They also did Apple Pay several months prior and my husband advises it works well on that platform too.

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#3274694 23-Aug-2024 10:36

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. I find Westpacs one of the better ones. ANZs is ok as is ASBs. ASBs actual website online banking though is a bit of a mess with new and old bits to it. Kiwibank is also ok, except it seems really dated. But the apps for banks are usually more crippled in features than the desktop version.

BNZ used to be pretty average, however they did small incremental upgrades over the last few years and now it's the best. Wasn't a big update overnight, just small changes over a period.

mentalinc

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#3274859 23-Aug-2024 19:06

davidcole:

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.

You can set up a direct debit to automatically pay the exact amount (unless you've made a payment within the day it was due, in which case this is ignored and the whole due balance is still DD). why do this manually?

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davidcole

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#3274877 23-Aug-2024 21:01

mentalinc:
davidcole:

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.

You can set up a direct debit to automatically pay the exact amount (unless you've made a payment within the day it was due, in which case this is ignored and the whole due balance is still DD). why do this manually?

Not really a fan of direct debits

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acetone

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Master Geek

#3275336 26-Aug-2024 11:07

Yes, you can now use Kiwibank cards with Google Pay, I use my Kiwibank credit card with Google Pay.
This is a recent change, (this year at some point)

sud0:

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.

Aucklandjafa

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Ultimate Geek

#3275447 26-Aug-2024 12:17

allan:
I use ANZ and TSB on Android. ANZ is pretty good, TSB is functional, but a bit clunky.

That’s sums up TSB’s app really well. What I find mind-boggling is how I can’t access my CC statements through the app - have to go log in through the web portal.

Would give a tick to ANZ. Kiwibank’s app was ok too.

Edit. Saying this, I shouldn’t be surprised considering they only brought in Apple Pay a couple of weeks ago - only circa 2 years behind Kiwibank smh

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#3275450 26-Aug-2024 12:26

Aucklandjafa:

Edit. Saying this, I shouldn’t be surprised considering they only brought in Apple Pay a couple of weeks ago - only circa 2 years behind Kiwibank smh

Kiwibank only started offering Apple Pay eight months ago. (Source)

Hammerer

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#3275523 26-Aug-2024 17:59

Groucho:
I'm with Westpac and ASB. This goes back to 2018 but Westpac had an option to notify them about an upcoming overseas trip which I thought was a great idea so they don't automatically block your card/s if out of character overseas transactions start happening. ASB didn't have that option (not sure if they do now) so went into the local branch and the teller I spoke with looked confused as to why I wanted to tell them. She took the details down on a piece of paper.

Kiwibank app can also be used to notify them of overseas trips.

Westpac app is better but my only gripe with the Kiwibank app is that sharing a completed transaction only shares an image rather than the text I prefer.

Incidentally, advising Westpac of travel is quite important because they block suspicious activities, particularly online card or website logon, such as when I visit family at the other end of the island. If I didn't make any transactions on my journey I'd regularly be blocked and would have to phone them.

davidcole: Not really a fan of direct debits

I am a fan because direct debits have traditionally had better consumer protection than automatic payments (e.g. what happens if you pay to the wrong account number) and card payments. I expect that is still the case.

Also better if companies are taken over or change name for other reasons. DD details tend to be amended correctly whereas our APs are not.

floydbloke

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#3275664 27-Aug-2024 07:25

Hammerer:

...

davidcole: Not really a fan of direct debits

I am a fan because direct debits have traditionally had better consumer protection than automatic payments (e.g. what happens if you pay to the wrong account number) and card payments. I expect that is still the case.

Also better if companies are taken over or change name for other reasons. DD details tend to be amended correctly whereas our APs are not.

Drifting off-topic sorry.

I gave davidcole's comment a thumbs-up. To me a direct-debit is basically giving an organisation a book of blank, signed cheques (remember cheques 🙂). It's not that I believe companies would deliberately 'steal your money, it's just that if they get it wrong and overcharge you it's so darn difficult to get a credit. I'm thinking telco billing errors when, e.g. changing subscriptions, or small organisations like a local gym when a contract ends and one chooses not to renew. (Although, somewhat ironically, I do have one DD to pay off my credit-card in full on the due date every month. I guess I have some trust in BNZ.)

Edit: I don't have any APs to third parties either, only for transfers within family accounts. I wait for a bill to arrive and then I pay it.

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cddt

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#3275669 27-Aug-2024 08:01

floydbloke:

I gave davidcole's comment a thumbs-up. To me a direct-debit is basically giving an organisation a book of blank, signed cheques (remember cheques 🙂). It's not that I believe companies would deliberately 'steal your money, it's just that if they get it wrong and overcharge you it's so darn difficult to get a credit. I'm thinking telco billing errors when, e.g. changing subscriptions, or small organisations like a local gym when a contract ends and one chooses not to renew. (Although, somewhat ironically, I do have one DD to pay off my credit-card in full on the due date every month. I guess I have some trust in BNZ.)

Edit: I don't have any APs to third parties either, only for transfers within family accounts. I wait for a bill to arrive and then I pay it.

Same here, no APs or DDs, I want to know what I'm paying and when.

Although DDs here don't seem to have quite the same level of issues as in the UK, where it seems like overcharging and charging in error is rife. Especially because some consumers appear to have to pay for their power/gas in advance, and the utility estimates their usage, and the estimates can, for some people, be wildly incorrect.

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#3275672 27-Aug-2024 08:07

floydbloke:

Drifting off-topic sorry.

I gave davidcole's comment a thumbs-up. To me a direct-debit is basically giving an organisation a book of blank, signed cheques (remember cheques 🙂). It's not that I believe companies would deliberately 'steal your money, it's just that if they get it wrong and overcharge you it's so darn difficult to get a credit. I'm thinking telco billing errors when, e.g. changing subscriptions, or small organisations like a local gym when a contract ends and one chooses not to renew. (Although, somewhat ironically, I do have one DD to pay off my credit-card in full on the due date every month. I guess I have some trust in BNZ.)

Edit: I don't have any APs to third parties either, only for transfers within family accounts. I wait for a bill to arrive and then I pay it.

I use DDs wherever possible for regular and simple domestic payments. Over the years I must have made thousands of payments that way - and I can't remember one where an error has been made and I've had to get something sorted out*.

For me the incredible convenience - not having to make the individual payments - totally outweighs the miniscule chance of some sort of error. I do check each email bill as it arrives and keep them - and keep track of payments as they are made - but not having to actually make the payment is brilliant. I'm very happy to take the tiny risk you're describing.

Edit: TBH I now recall one with 2degrees a few years ago - but that's definitely not enough to make me re-think.

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Aucklandjafa

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Ultimate Geek

#3275677 27-Aug-2024 08:28

KiwiSurfer:

Aucklandjafa:

Edit. Saying this, I shouldn’t be surprised considering they only brought in Apple Pay a couple of weeks ago - only circa 2 years behind Kiwibank smh

Kiwibank only started offering Apple Pay eight months ago. (Source)

Yeah, not really my point, but thanks for the exact timeframe!

openmedia

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#3276240 28-Aug-2024 14:58

Do any of the NZ banks allow approval of a transaction via their mobile app similar to the WISE app?

Had major issues travelling earlier in the year where we didn't have active roaming, but because we were overseas our credit card kept sending SMS requests to approve any online transactions.

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taneb1

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Mercury

#3276247 28-Aug-2024 15:15

openmedia:

Do any of the NZ banks allow approval of a transaction via their mobile app similar to the WISE app?

Had major issues travelling earlier in the year where we didn't have active roaming, but because we were overseas our credit card kept sending SMS requests to approve any online transactions.

BNZ have this as an option currently. Has worked well when I've used it in the past.

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