247
My God the fairphone is nice
(piefed.social)
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this post was submitted on 10 Aug 2025
247 points (98.4% liked)
Android
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No. Most banks have websites, and most of them do most of the the things most people do with their bank. The only thing I think my bank's app does that the website doesn't is deposit a check by taking a picture of it. I use that feature about once a year.
I'm sure some people need banking apps, but I would bet it's fewer than think they need banking apps.
My bank mandates a mobile app for 2FA. I can't do anything without my smartphone, sadly.
What do they do if you don't have a smartphone? Or was this an account that you could only open in-app?
I believe it's possible to buy a physical device that uses your debit card and a PIN to generate your TANs. The process is cumbersome though. I'd rather use their app (which works without Google services, thankfully).
Oh the card readers? I've got about 5 of them, every bank used to give you one when you opened an account. Supposedly they're pretty secure, too.
They are very secure because they cant connect to the internet and you need your physical card and PIN. But I want to be able to perform transactions when im not at home while not carrying my card and reader everywhere.
My bank refuses to play ball with Graphene, so I have to use the website. Which is ok, but I have to put in a 2fa code sent via SMS every. damn. time.
I have to put in TWO passwords, then still have to authenticate with that code. I'm convinced it's because they want me to use the app.
In most of Western Europe (where Fairphone's target audience lives) - banking apps are a necessity. You'd find it very difficult to bank without these apps. Not impossible, but still a big hassle.
a big hassle, like using the web browser? is that what you mean? oh, not the browser, not again! I need my banks app!
Depending on location, you need the app for QR-pay services. Very handy if it's available.
there's the confusion. nobody needs it. it's not a necessity. it's a convenience.
By that logic, nobody needs banking websites either.
Depending on location, you need the app for QR-pay services. Very handy if it's available.