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Huh? Why the hell would you use a bank that doesn't offer a web portal or have branches if there are banks that still do?!?!

I bank with HSBC in the UK and there's still branches (worldwide) and banking via web.

I assume you mean things like Starling and Monzo in this case? Banking with them is simply dangerous.

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There's mobile payment apps worldwide like yappy and UPI, that don't have a web interface and are local monopolies. Even worse they are sometimes controlled by a single large bank, not a government and not a consortium so you're entirely beholden to their (confidential) decisions, whatever they might be. It's not like in the US where you have Venmo, Zelle, and Cash app, or China where there's WeChat and alipay.

What's wrong with Starling/Monzo?

They’re only ok until something goes wrong or you end up with an overdraft. Then they screw you with poor customer service. Like the worst.

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