Suppose you resist a bank that forces you to access your account exclusively via some shitty phone app, which also requires you to buy a new smartphone. And suppose you refuse, so your only access to the bank account is via the card.
What happens when the time comes that (e.g.) the gov or a creditor demands a payment by credit transfer, not by card? Are you consequently forced by your obligation to make a payment to then buy a phone? Or do you have a right to manually order a payment from your bank by sending a written letter or something?
There is this law but I’m not sure it’s applicable:
REGULATION (EU) No 260/2012, Art.4: Interoperability
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3. The processing of credit transfers and direct debits shall not be hindered by technical obstacles.
I think that law was really intended for the bank-to-bank segment of the transaction, not consumer to bank. I get the impression we have no codefied rights, just recommendations to lawmakers, such as:
The European Commission, in its 2012 Green Paper, insisted that standardisation in the mobile payments area should ensure full interoperability between mobile payment solutions, and favour open standards to ensure the mobility of consumers when they wish to change their telecom operator or bank.
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In its Mobile Payments Initiatives Overview, the European Payments Council stated that different mobile payment solutions from multiple payment service providers should be able to coexist in the same mobile device. In its opinion, consumers should not be bound to a specific network operator or particular mobile equipment, but should be able to switch between payment service providers, with interoperability as a key feature needed to achieve these goals.
But to be fair that was written 10 years ago. Any headway?
I have a friend in the UK that does her banking through the post office, is that common? Though I saw something about the royal mail being purchased the other day? Many elderly people can’t use a smartphone so smartphone only options definitely sound like a no go.
I heard postbank was eliminated in Germany but post office banking is still an option in other countries. I doubt any post office banks stand on their own. The one I’m aware of is just a proxy for another crappy bank.
It’s somewhat convenient that tech illiterates are in the same boat with the streetwise (who are tech saavy enough to distrust commercial tech that’s being pushed down our throats). But there are efforts to divide us. Elderly folks are getting social helpers with tech, which will shrink those resisting enshitification of everything to a population that’s easier to marginalise. I also don’t suppose it will be long before the tech illiterate elderly are no longer with us anyway.
No, Postbank still exists in Germany, but it’s part of Deutsche Bank now. They mail you all sorts of forms and return envelopes, so you can do all banking via snail mail. But they also have an app and a website with 2FA and all. (The 2FA is initially set up via snail mail.)