I think you are probably right.
This is also likely why they make you type your passcode in for certain actions in the app, even if you have already enabled Face ID.
They probably want to do a 2nd factor check to make sure it’s really you.
Just looked: they aren’t yet available in Fentury (despite them using Saltedge).
Hopefully they will add integration soon, as that’s the app I use for my MCI-only connections.
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Huge thanks again.
Some fluffer pics as a gift
Sign up flow was indeed super smooth, and approved in 2min which I did not expect. Money transfer in also prompt.
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The main thing to realise at this point is that, despite their ambitions, Chase have really just released a spending card.
Now, don’t get me wrong, it’s a nicely designed card, with a good app. The app loads quickly, the 3D secure (or whatever it’s called these days) flows are nice, and the app is nice to use. It offers 1% cashback on spend, and fee free use abroad for both spending and cash withdrawals, so it’s ahead of most of the competition.
But, for now, it’s still just a spending card, so don’t expect anything life changing, and don’t expect it to replace your main current account.
As a starting point for Chase, I think this looks pretty strong, but it’s only a start.
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What are they? I have not used it online yet!
I agree.
So far it is effectively only a spending card, but a very good spending card which is fee-free abroad and offers cashback (and Apple Pay) which is all very nice.
The transaction detail is like other fintechs and the numberless card is a nice touch.
Other features will come in time, and it will morph into more of a typical fintech current account, I’m sure.
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It’s basically a box telling you to use the Chase app to approve the transaction.
You get a push notification on your phone to approve, this takes you to the Chase app and you have to click approve there.
You can’t approve straight from the notification, unfortunately (this is probably to make sure you are the genuine account holder, as loading the app obviously forces you to login before you can approve).
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Pretty much the same as Monzo I guess? SMS fallback at all?
Yes, it looked quite similar to Monzo (which is not surprising as I think all 3D Secure flows follow templates jointly developed by Mastercard, Visa and Amex).
I think they did have a button along the lines of “can’t use the app now”, or something, which might have triggered an SMS instead - but I just used the app so haven’t tested that.
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Ah, seems I’m not the only one, had to confirm a McDonald’s transaction I’d done by app, seems there’s NO automation for verification of suspicious transactions?
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That’s pretty annoying, if so!
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I did call and comment on this “it’s being fed back to the development team.”
I did make two purchases in McDonald’s today, maybe that’s what caused it?
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That does seem like the common denominator here.
So never make more than 1 purchase per day at a merchant?
Welp, they’ll love me having breakfast and later in the day a drink from McDonald’s each day soon…
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I wonder how many times it would take the “security check” to train their algorithms!
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I’m hoping it doesn’t trigger again to be honest, it was annoying enough the first time.
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My guess is it may, by then would likely be fine for the third time onwards.
Do you have location based security on?
Yes, I do. However both McDonald’s transactions were done in app as online transactions. I have an Android phone and no card yet.
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Ok as I know you have to go into settings to make sure the app has continuous access to gps on iOS don’t know if it’s the same on android