Chase UK Chat (Part 1)

[Orinoco]

Just seen this in the app, Digital ID:

Shows details of my driving licence I uploaded when I applied.

[Orinoco]

Same, it’s not even a photo of it either it’s just a list of the details pulled from it.

[Orinoco]

Especially so as it pulled an incorrect number from my address so I have to remove it and re-add it anyway.

[TinglyC]

God damn those endless Plum notifications are incredibly obnoxious and irritating. Makes me appreciate Chase even more.

[Rob17 (Rob)]

I’ve got the Digital ID on the Chase App now. Think they may of enabled it for all now.

[BazzaBhoy]

How do you find it? I can’t seem to see it, probably not got it.

[Orinoco]

Profile icon top left, it will have icons for Digital ID and Switch to us.

[djhworld]

I just opened it on mine, accepted the terms and conditions and it turns out the ID I registered with expired (I’ve renewed it since)

[mikez]

Got mine, too - both driving licence and passport.

[Carlo1460]

It’ll be good if/when they allow virtual cards from other accounts. The tech is there with the physical card with virtual details assigned.

Recurring payments would be an inconvenience to me if all in with Chase. I use revolut for virtual cards and pockets

[MrDapper]

Would love virtual cards with Chase. Can’t justify paying for Monzo Plus for just that feature alone.

[l33t]

@N26throwaway

• The numberless card and the ability to have up to 20 accounts and the way those two are tied together. It tackles the very same problems Monzo plus tried to with virtual cards, but in a more elegant and simpler way that doesn’t feel obtuse or over-engineered. This is probably their main USP outside of cashback, and it’s a really nice one that I personally love.

Except its not as useful as virtual cards as the card dynamically moves around where as a virtual card doesnt which is far nicer for me.
It does nothing to prevent card cloning and has all the issues of tickets and no card number.
It is better than having 20 physical cards for 20 accounts though.

@N26throwaway

• The ability to pay direct debits from savings accounts. I don’t know anyone else who lets you do this. The fact you can have 10 and that they all get account details and all pay interest. It’s the pots approach, but done right.

I mean if monzo let me point a direct debits to my savings pot it would be exactly the same bit without all the hassle of changing DD details for each pot account where as monzo its easy to move it around.
They just lack the interest which is a positive I guess.

@N26throwaway

• it has an incredibly satisfying frictionless feedback loop that all seems to just coherently work together.

I think you win house on w%nk word bingo with that

@N26throwaway

The transaction gets rounded up into your roundup saver which pays you 5% interest (really needs increasing at this point though). From a psychological perspective, it feels really good, and it feels more rewarding than it probably is. It’s a very satisfying loop. Spend > save > cashback > repeat.

Sadly for me part of that loop was worth a grand total of £5 over the year with the round ups. Its £5 I guess but as the cashback was unlimited I rinsed a LOT through it to get a grand total of £5 interest.
Now I just hit my caps and then it goes idle with <£20 in it. I get better interest from elsewhere and with apps that I personally find faster and more functional.

The 1% cashback is good but bad no with the limit, I can afford to hit the spend cap with it no problem but as there is a cap it will mean some put through spend because of the cashback rather than the need and I do know people who have spending control issues albeit in Klarna hell right now though.

[l33t]

@N26throwaway

Or do you only come out with these when I don’t conform to your bias?

Or I didnt see your post…
I do like the hypocrisy of you trying to call out bias though.

[djhworld]

the thing I dislike the most about chase is how slow the app is to open, it’s easily the slowest banking app on my phone, I dunno whether it’s just my phone which is 3 years old now or what.

[Carlo1460]

What kind of metrics were used for this? Just counted opening monzo fresh on iPhone 14 Pro and took about 4-5 seconds.

Same for revolut, Chase seems about right 6 seconds ish.

Connection play a part in this?

I’m 500/500 connection.

[lpoolrob (Rob)]

@Carlo1460

What kind of metrics were used for this? Just counted opening monzo fresh on iPhone 14 Pro and took about 4-5 seconds.

I’m curious too. Mine is much faster than those number from a test.

[jonprocter (jon)]

Monzo and Chase both took about 3/4 seconds for me on the 15 Pro (including Face ID prompt)

[mikez]

@Carlo1460

Connection play a part in this?

I’m 500/500 connection.

No, I’m on 80/20 still and Monzo opens in 3 seconds, Chase in 4 seconds. That’s after killing the apps first. 15 Pro Max.

HSBC (which always seems slow to me) is actually ~8 seconds.

[davidwalton (Award Winning Hot Coral Analyst)]

Where are those startup timing figures derived from?

On my ageing Px5 I get 29 seconds from being LOGGED OUT to opening the fresh Monzo app, tapping on ‘I have an account’, typing in my email address, opening my email, opening the magic link email, tapping on ‘Log in to Monzo app’, typing in my PIn and - Monzo launched.
And that’s dependent on how fast/slow I type my email address / open email client / tap & enter Monzo PIN

If I DON’T go through the whole process of logging in for the first time, it takes 3 seconds to open the Monzo app & sync to the servers. Which seems twice as fast as the fastest time in the iOS/Android tests quoted above.

Slooooooow internet?

[lpoolrob (Rob)]

@N26throwaway

Cold boot launch, so the app isn’t running in the background, and it was time from Home Screen to tapping on a payee on the payments screen.

So actual real world usage wasn’t considered for the test then