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  #81  
Old 10.04.2021, 13:00
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Re: Swiss payment systems

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This. I mean seriously Medea, I am a bit shocked that you don't even seem know what Pay As You Go is? You could easily pay almost nothing per month and only use the phone for very specific things. It sounds to me like you have just convinced yourself that mobile pones are bad and have now built up some kind of neurosis about them.
Implying that somebody has a mental disorder just because they don't share your world view is pretty scummy behaviour; you could have made your point without playing an internet psychiatrist. Do you seriously talk to people like that in real life?
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  #82  
Old 10.04.2021, 13:11
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Re: Swiss payment systems

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And the fines should be doubled on Sundays and public holidays.

If I can’t run my lawn mower the kid next door shouldn’t be burning rubber.
You should move somewhere civilized, I plan to run my chainsaw all day tomorrow!

P.S. I don't give a shit about the lawn.

Tom
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  #83  
Old 10.04.2021, 13:29
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Re: Swiss payment systems

I'm also one who insists of keeping google (therefore my handy) out of my banking/money business.
When Raiffeisen changed ebanking to PhotoTan login, they offered a solution I could live with.

My world view is basically: New technology? Cool, what can it do? Where's the catch? Can I/do I want to live with the catch?
I'm also willing to relinquish comfort and convenience if something doesn't fulfil my personal requirements for safety. And last but not least, I don't expect life to be free. A strange notion - would I work/invent and/or produce things for free? Naaaaa!
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  #84  
Old 10.04.2021, 13:33
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Re: Swiss payment systems

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You should move somewhere civilized, I plan to run my chainsaw all day tomorrow!

P.S. I don't give a shit about the lawn.

Tom
You're not good at sales. It's not I don't give a shit, it's "I keep my grass high for the bees" and you will be celebrated while not giving a shit.

And you're running the chainsaw at the rustico in the middle of nowhere tomorrow, right?
I see right through you.
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  #85  
Old 10.04.2021, 13:56
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Re: Swiss payment systems

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And you're running the chainsaw at the rustico in the middle of nowhere tomorrow, right?
I see right through you.
If it's not raining.

Will do a test run in an hour or so when I go to empty the compost.

First need to buy the wife some cigs.

Tom
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  #86  
Old 11.04.2021, 10:48
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Re: Swiss payment systems

Throwing my few cents, I hate the new mobile-phone-only services for several reasons:
1. phone is too small, I don't want to carry a magnifying glass with me all the time
2. virtual keyboard is a joke, I don't want to spend many hours peckig at the screen to enter a simple text
3. in their wisdom modern phones give all the privilege to the bad guys (as they know the holes in the system) but they give none to the user/owner!

etc.
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  #87  
Old 11.04.2021, 11:28
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Re: Swiss payment systems

Just ran into some problems with my e-bill last week and requested an orange slip in order not to miss the payment deadline. I have no problem with the banking system here. If it gets the job done, I don't care if it's "old" or "new".

I'm young enough to grow up embracing the tech fully and have lived in a lot of countries (including US for 5 years) where some tech seems fancy and modern. But a lot of "modern" stuff really feels like those new updates of iOS or macOS in the past 5 years for me. (By the way I used to exploit a bug to get rid of update reminders/forced update on my iPad for 3 years but iOS 13 ended my happy days.)
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  #88  
Old 11.04.2021, 23:28
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Re: Swiss payment systems

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You should move somewhere civilized, I plan to run my chainsaw all day tomorrow!

P.S. I don't give a shit about the lawn.

Tom
Please don't tell me that's due to my headsup, I'm already starting to feel guilty
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  #89  
Old 12.04.2021, 15:00
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Re: Swiss payment systems

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Cheques!!!

More seriously, it took me a year to find out I need to opt out in the bank website to stop receiving everything in paper every month.

Cheques and letters of credit (other than travellers letters of credit) still exist. Travellers cheques too https://www.americanexpress.com/uk/t...llers-cheques/ but no longer in Swiss francs (they were actually issued by a confederation of Swiss banks under the Amex name). Amex would rather you use a prepaid card instead and I suppose the cheques are harder to find than they were back in the day when you could even get them posted to you by Amex or your bank.


It is Eurocheques that have disappeared from Switzerland and everywhere else. Besides travellers cheques the only ones you're likely to see, if at all, are bankers drafts. It is one thing to say that these things aren't much used any more, and quite another to say that they don't exist.


I pay almost everything by ApplePay, very occasionally by TWINT. I was surprised the Post Office takes neither: you need your yellow PostFinance card and your PIN. If I am buying online, as I just did from Fust, you can scan a QR code and it's all done.


There are orange and there are pink paying-in slips. As others have said, they can be scanned. Or you can take them to your bank or the Post Office and risk getting run over when you cross the street. Scanning is safer. (I've yet to get a paying-in slip with a QR code, but the PF app is ready for them.) The nuisance is that many service providers (small ones mostly) don't bother to fill them in fully or to include the amount in the printed MICR line of code at the bottom.


It annoys me when a firm declines to issue e-bills. Mainly this is taxes and the service charges for my flat and since COVID-19 (it seems the entire staff came down with it) they've been delayed, unreliable. But at least I've not been fined for late payment.
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  #90  
Old 20.06.2021, 22:06
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Re: Swiss payment systems

Adding a couple of cents from my side.

I come from Poland, which is considered a testing area for all new technologies.



And yes, Swiss systems are secure, reliable and so on, yet some things disturb me here.



- physical tokens. I have to use those to authenticate some payments and it is really annoying. Luckily my bank will soon enable authenticating transfers with access app on the phone.

- i can not top up my phone from the bank/app (I am quite used to that as my Polish bank offers that, had to switch to doing it via the web page of yallo, so in the meantime it is not that much of a pain).

- my first attempt to pay online for a purchase with a card was kind of a surprise. It turned out I need to use a prepaid card, since my usual banking card does not thave the standard number
- time to open an account. I had to wait for the token to arrive to activate my account which took time (kind of a problem when you just moved to the country). In Poland you leave the bank with a fully functional bank account.
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  #91  
Old 22.06.2021, 00:01
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Re: Swiss payment systems

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Adding a couple of cents from my side.

I come from Poland, which is considered a testing area for all new technologies.



And yes, Swiss systems are secure, reliable and so on, yet some things disturb me here.



- physical tokens. I have to use those to authenticate some payments and it is really annoying. Luckily my bank will soon enable authenticating transfers with access app on the phone.

- i can not top up my phone from the bank/app (I am quite used to that as my Polish bank offers that, had to switch to doing it via the web page of yallo, so in the meantime it is not that much of a pain).

- my first attempt to pay online for a purchase with a card was kind of a surprise. It turned out I need to use a prepaid card, since my usual banking card does not thave the standard number
- time to open an account. I had to wait for the token to arrive to activate my account which took time (kind of a problem when you just moved to the country). In Poland you leave the bank with a fully functional bank account.
crazy, which bank are you using?
postfinance does all of those things.
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  #92  
Old 22.06.2021, 13:13
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Re: Swiss payment systems

I would guess it is UBS, but there could be a problem with user not fully understanding the process.

- Physical token. At least in UBS you need it only for NEW payments. Also they would drop this requirement very soon.

- I guess you can top up the phone with bank card.

- Probably tried to use "atm card". Those usually have limited usage. Just take mastercard pre-paid, or regular credit card and no issues with e-shops.

- What exactly is the problem? You get IBAN immediately. Account is anyway empty so relax and wait for the salary


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crazy, which bank are you using?
postfinance does all of those things.
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  #93  
Old 22.06.2021, 16:57
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Re: Swiss payment systems

Generally happy with what is on offer, however, I would want to have the following:
- make an "esteuerauszug" (i.e. e-tax statement mandatory for all banks). In my view this would be a common sense solution that we - as tax payers (and voters) - should insist on since ultimately it will save time and effort on filling out the tax declaration if you can simply import the "esteuerauszug" with all the details.
- open up account information along the lines of the Payment Services Directive so that I can access account information across various banks (hey, with negative interest, one is almost forced to have multiple accounts.
- (thinking out loud) have the option of forwarding emails to a secure mail address, which will use AI/OCR to extract the payment information and add it to a "payment que" for confirmation. I used to have a travel app, where I could send flight reservations and it would add them to my "itinerary".

While we are at it: why doesn't anyone come up with an insurance hub website where I can see the different insurances I have, and give suggestions for switching, updating insurance policies.... (comparis/moneyland/anybody???).
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  #94  
Old 24.06.2021, 15:30
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Re: Swiss payment systems

An esteuerauszug can't work in Switzerland as taxation is a cantonal affair and each canton has its own tax system (and software). Well I guess it could work, but each bank would need 26 different auszüge to satisfy the needs of each canton.
My health insurer provides an electronic list of costs each year but I have to transcribe it by hand into the tax declaration software.
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  #95  
Old 24.06.2021, 16:26
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Re: Swiss payment systems

The e-steuerauszug has actually been implemented in all but 4 Cantons (https://esteuer.ewv-ete.ch/de/esteuerauszug/).

My point was rather about making it mandatory for the banks. Most notably Postfinance (despite being a publicly owned company!) not having implemented it yet...
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Old 24.06.2021, 17:11
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Re: Swiss payment systems

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An esteuerauszug can't work in Switzerland as taxation is a cantonal affair and each canton has its own tax system (and software). Well I guess it could work, but each bank would need 26 different auszüge to satisfy the needs of each canton.
My health insurer provides an electronic list of costs each year but I have to transcribe it by hand into the tax declaration software.
The information provided by the banks is always the same, the cantons just apply different rules to calculate the tax from it.

The banks provide a standardised machine readable version of the end-of-year tax statements, so there is no need to type the information into the tax software.

If health (and other) insurance did the same it would be great!
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Old 30.07.2021, 10:52
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Re: Swiss payment systems

As someone also who arrived recently, it's annoying and strange to see that ubs requires 2 separate apps to have a complete e-banking experience.
Specially if you compare with other banks in the surrounding countries and the apps they offer (e.g ING), it really feels like UBS is lagging behind, which is surprising.

So yeah here's my 2 cents to rant on UBS being anything but intuitive.
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  #98  
Old 30.07.2021, 11:32
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Re: Swiss payment systems

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As someone also who arrived recently, it's annoying and strange to see that ubs requires 2 separate apps to have a complete e-banking experience.
Specially if you compare with other banks in the surrounding countries and the apps they offer (e.g ING), it really feels like UBS is lagging behind, which is surprising.

So yeah here's my 2 cents to rant on UBS being anything but intuitive.
Any bank is miles behind platofrms like Revolut as they have zero incentive to make things better for end user, they sit on loads of cash and earn moneys elsewhere.
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Old 30.07.2021, 11:42
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Re: Swiss payment systems

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Any bank is miles behind platofrms like Revolut as they have zero incentive to make things better for end user, they sit on loads of cash and earn moneys elsewhere.
With negative rates in Switzerland, which they can‘t pass on to retail customers, why do you think that Swiss banks want to „sit on loads of cash“?
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Old 30.07.2021, 11:44
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Re: Swiss payment systems

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As someone also who arrived recently, it's annoying and strange to see that ubs requires 2 separate apps to have a complete e-banking experience.
Specially if you compare with other banks in the surrounding countries and the apps they offer (e.g ING), it really feels like UBS is lagging behind, which is surprising.

So yeah here's my 2 cents to rant on UBS being anything but intuitive.
ZKB App allows scanning and paying of bills in seconds on my iPhone opening with face recognition...
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