I ran various custom ROM’s for years on a FairPhone3+. It was great right up until the day all my banking apps stopped working. Banking app incompatibility is NOT the fault of GrapheneOS (or any other custom ROM) dev’s at all . . . but IMO this is the real problem today with any alternative mobile OS. Privacy vs. banking convenience. And yes, YMMV as some of them do work . . and mine did as well . . right up until the day they didn’t.
Do banking exclusively through the online portals? For me, if that means using my desktop or a laptop for banking, that’s what I do, because I will not install a banking app on my phone.
Switch banks. That’s what I did. I had a bank that required an app to use them as well before I decided that I cared about my privacy and wanted more of it. And when I found out that my bank wouldn’t let me do things, I switched banks. Because fuck them.
Generally it’s neobanks that cause the most problems. If you’re using older banks that have been around for quite a long time, they don’t have nearly the technology, so are less likely to have this occur. In the United States, an example of this might be something like Wells Fargo or Discover or something like that, whereas one of these neobanks that would cause problems would be like chime.
Generally, stay away from thin tech and stay with actual banks. You might also look at credit unions. My local credit union is really good, and has a good online website, and has an app as well, but doesn’t require it at all.
I use several banks and several credit unions, and the only thing I can’t do with a laptop is deposit checks (which is getting pretty rare).
FinTech products like PayPal, Venmo, Cash.app, BlueBird and such often require a phone app, but aren’t regulated banks, and are best avoided when possible.
Same here, I might end up with a check in my hands like once per year, and so I have to make like one single trip to my credit union every single year or whatever to deposit that check, and that’s it.
Nfc payments keep me chained. I guess i can get a second phone just for setting up a watch, but i don’t want a watch. So i live by not using the default launcher and a vpn. I’m working to change my email provider slowly
I ran various custom ROM’s for years on a FairPhone3+. It was great right up until the day all my banking apps stopped working. Banking app incompatibility is NOT the fault of GrapheneOS (or any other custom ROM) dev’s at all . . . but IMO this is the real problem today with any alternative mobile OS. Privacy vs. banking convenience. And yes, YMMV as some of them do work . . and mine did as well . . right up until the day they didn’t.
Do banking exclusively through the online portals? For me, if that means using my desktop or a laptop for banking, that’s what I do, because I will not install a banking app on my phone.
not every bank lets you
Switch banks. That’s what I did. I had a bank that required an app to use them as well before I decided that I cared about my privacy and wanted more of it. And when I found out that my bank wouldn’t let me do things, I switched banks. Because fuck them.
Generally it’s neobanks that cause the most problems. If you’re using older banks that have been around for quite a long time, they don’t have nearly the technology, so are less likely to have this occur. In the United States, an example of this might be something like Wells Fargo or Discover or something like that, whereas one of these neobanks that would cause problems would be like chime.
Generally, stay away from thin tech and stay with actual banks. You might also look at credit unions. My local credit union is really good, and has a good online website, and has an app as well, but doesn’t require it at all.
I use several banks and several credit unions, and the only thing I can’t do with a laptop is deposit checks (which is getting pretty rare).
FinTech products like PayPal, Venmo, Cash.app, BlueBird and such often require a phone app, but aren’t regulated banks, and are best avoided when possible.
Same here, I might end up with a check in my hands like once per year, and so I have to make like one single trip to my credit union every single year or whatever to deposit that check, and that’s it.
Just use a web browser.
People act like they can’t live without these apps, which are often just a repackaged website anyway.
pushTAN?
Exactly! I’d love to switch, but I rely on my banking apps too much. That’s a dealbreaker for me as well.
Nfc payments keep me chained. I guess i can get a second phone just for setting up a watch, but i don’t want a watch. So i live by not using the default launcher and a vpn. I’m working to change my email provider slowly