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  #41  
Old 03.01.2020, 19:09
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Re: Swiss bank with best online banking

IS this correct?

https://www.moneyland.ch/en/banking-comparison
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  #42  
Old 03.01.2020, 19:13
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Re: Swiss bank with best online banking

Is what correct?
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  #43  
Old 03.01.2020, 19:55
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Re: Swiss bank with best online banking




Absolutely
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  #44  
Old 04.01.2020, 12:08
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Re: Swiss bank with best online banking

There's good two factor auth and there's clunky two factor auth. Banks are competing (or should be, be we know how that goes in CH) on convenience, as much as the Swiss like to believe they don't enjoy convenience. The systems that require you to enter a password, pull out your phone, find an app, scan a fancy QR code and then manually enter a series of digits back on the login page are far to cumbersome for my taste. They better systems will send a notification and automatically authenticate with a simple confirmation that the notification was received on a registered device. Both achieve the same level of security. The QR code is really just security theater.

But really, all the aforementioned methods are not true two factor auth, but rather dressed up two-step auth. None of them is a true "know something, have something" system. The process used to register your device has the same authentication requirements as the bank's login page, and so really all you're doing is logging in twice, with "know something, know the same thing again in a different form". The bank has no way of knowing that the device belongs to you, or that you're the one authenticating, other than your having told them so at some previous point. Touch ID is only replacing a password entry, which can be done by anyone, on any device not belonging to you as long as they know your password and/or email credentials.

The only system I've seen that comes close to a true two factor auth is the system that Postfinance and others use, called Mobile ID. It authenticates using a prompt sent to your SIM card, which is officially registered to you and only you by your mobile provider (and registered with the Swiss authorities). It's the closest thing to using government issued ID every time you log in to your bank.
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  #45  
Old 04.01.2020, 13:31
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Re: Swiss bank with best online banking

Postfinance also has the fingerprint, which IIRC has to be validated the first time using the yellow machine.

When you log in from a PC you need username&password, your smartphone to receive a notification and your finger to approve the login. Assuming you save your password in your browser, the PC is not protected and someone else manages to use it, one would still need your finger, ot the yellow machine + your card + your PIN code.
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Old 05.01.2020, 09:05
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Re: Swiss bank with best online banking

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Is what correct?
The values that they show to you! The prices that they show to you there!
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  #47  
Old 05.01.2020, 09:15
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Re: Swiss bank with best online banking

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Absolutely
everywhere CS and UBS has the image that they are the most expensive, and Ive make a simple example on that website and CS is cheaper then Postfinance!

But it is true that here the most important is the app itself, the simplicity at the app, how they use to validate my ID, and then in the end the value to pay for the account!

I know that there's new only online banks... the ZAK from Banque Cler, and Neon from Hypothekarbank Lenzburg.


I will be frequent user of the Credit Card since I buy stuff online around the world, a frequent user of my account to pay supermarket, and all I need using the card... I don't use almost no money with me... it is rare... and e-billing!
more or less is that!
I just need a simple interface to work with and the app at the phone also simple to work... and be able to, if needed, to take money where I found a "bancomat" and do not think who's the banque behind that machine... and be able to pay at all places... I know that with Postfinance it is not possible everywhere...
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  #48  
Old 05.01.2020, 09:22
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Re: Swiss bank with best online banking

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Postfinance also has the fingerprint, which IIRC has to be validated the first time using the yellow machine.

When you log in from a PC you need username&password, your smartphone to receive a notification and your finger to approve the login. Assuming you save your password in your browser, the PC is not protected and someone else manages to use it, one would still need your finger, ot the yellow machine + your card + your PIN code.
Yes, but they need you card, your code, then your phone to register... at the end you will be there, since they need too much from you...

I agree with "robogobo"... at Postfinance in the beginning you use the calculator thing... then you make the Mobile ID... the that's it...
The CS has a kind of calculator, they once had a key...but I think that doesn't exit no more... they use another stuff that you can charge it... it is "big" to bring all the time with you..
UBS is the QRCode... you try the login receive stuff, arcade to confirm... etc etc...
It seems that the easiest to login is the Postfinance...

And how about the app it self? easiest to use?
Postfinance, CS and UBS?
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  #49  
Old 05.01.2020, 10:08
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Re: Swiss bank with best online banking

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I will be frequent user of the Credit Card since I buy stuff online around the world, a frequent user of my account to pay supermarket, and all I need using the card... I don't use almost no money with me... it is rare... and e-billing!



Well if indeed this is the case, you would be far better off with a Revolut card or similar in order to avoid excessive Fx fees.


Get a very simple Swiss bank account to pay bills and transfer to your Revolut card meaning the "on line" banking aspect is not so important.


As already mentioned, try the Cantonal banks, good simple on line banking.
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