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Honorary Master
It includes ALL of my costs, including any transfers I make. I do not pay a cent more than whatever the monthly rate is (Think it's actually R34 or something similar).
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Where are South Africa’s banking apps?
- Thread starter rpm
- Start date
It includes ALL of my costs, including any transfers I make. I do not pay a cent more than whatever the monthly rate is (Think it's actually R34 or something similar).
MarthinusSwart
Well-Known Member
I am with nedbank, love them, but their web stuff suck and no mobile. Pity, i like them best of the big 4
PhaNatiK
Well-Known Member
What are your opinions on FNB?
InTheCube
Expert Member
Best bank, best technology, best online banking, best mobile banking, best ATMs, best rewards programme (eBucks), most innovative bank (buy smartphones and tablets through your cheque account at 0% interest over 24 months) and relatively cheap considering everything you get. I pay R110 per month for a Platinum account. Used to pay R92 for a Gold Account, but switched to Platinum to improve my eBucks earn rate on FNB services. Used to pay R142 with Standard Bank, but that has probably increased by now.
ABSA is the only bank that will still give me a student account when I turn 26.
MarthinusSwart
Well-Known Member
For me, i went to fnb, didn't get the warm fuzzies that i was looking for. Nedbank gave it, so moved to nedbank
PhaNatiK
Well-Known Member
ok... i was thinking of moving to fnb.
Absa milked me badly over the festive season as far as bank charges are concerned.
Absa milked me badly over the festive season as far as bank charges are concerned.
MarthinusSwart
Well-Known Member
Chat to them, if you like them go for it. They do have the best tech. currently.
I bank with FNB and Nedbank. Nedbank makes me want to cut myself.
Elimentals
Honorary Master
To be honest looking at the Internet banking numbers I guess the lack of apps is because its not worth it to have an App out.
For the 500 000 users you will need a call center, servers, networking equipment, developers as well as other costs, and this for nothing in return but a smile on a small percentage of your users. I can see why its not their main concern.
This will probably change as more users move to Smart phones and data costs gets to a point where a lot more people can use it on a regular basis.
For the 500 000 users you will need a call center, servers, networking equipment, developers as well as other costs, and this for nothing in return but a smile on a small percentage of your users. I can see why its not their main concern.
This will probably change as more users move to Smart phones and data costs gets to a point where a lot more people can use it on a regular basis.
Mike Hoxbig
Honorary Master
Not so sure hey, otherwise the same would apply to the banks that offer free internet banking. You would need a call centre, equipment, developers etc. for that too. The banking app takes it one step further and allows you to bank conveniently on the move.
What's in it for the bank? They get to lure new customers, or hold onto existing ones. Once all banks have an app, then the next new innovation will lure new customers, or hold onto existing ones.
+10
Elimentals
Honorary Master
Thats exactly my point, there is a lot more users with internet access than smart phones. We only started getting internet banking when people with internet was big enough to validate the costs involve to use it as a means to win some customers. Once smartphones get to a certain mass it will be feasible to fork out the capital to attract those customers. In the same breath if 2 banks roll it out the others will sure as hell follow.
No use laying out R2 million to win 3 customers, but its worth it to keep 1000's that might leave.
I read on the Android market (1 comment) that the FNB app don't make a secure connection to the bank's site. If this is true, is it safe to use? Does Android place a protective layer around the transactions?
Elimentals
Honorary Master
I read on the Android market (1 comment) that the FNB app don't make a secure connection to the bank's site. If this is true, is it safe to use? Does Android place a protective layer around the transactions?
Android does what the programmers tell it to do. If the programmers where to lazy to encrypt the data before sending it or stored it in slqlite in plain text its not the OS that is at fault.
Think about it, if it was an Android flaw do you think the American Banks would release apps without anyone saying anything?
What are you on about? From FNB's point of view: do they think that Android is suppose to do their work.
Elimentals
Honorary Master
I have not tested or used the app so I can not comment if its secure or not. (Dont have an FNB Account) So will not know what or how they stored data in the SQLlite database or what type of connections they use.
What I am saying is, if its not secure its because of crappy programming, not the OS. It can do secure connections or plain ones, its up to the programers to specify which one they want to use. The OS dont decide it by default.
Thanks for the explanation. I think I will try it. It's not like there's thousands of rands to steal anyway, unless they grab it before I pay accounts.