I guess they will build in house cheque imaging solution.
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No I just mean it would have been nice if starling let PO handle cheques too.
I just mean if I receive one when I change gas supplier etc.
I think it would just slow the process down
Who gets a cheque for their salary?
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Most people that still use cheques have a deep mistrust of technology, propagated by scare stories about fraud on daytime tv
No, it means they have 1,625 customers who have a goal named âChristmasâ.
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Iâm one of those people. Think Iâll need to code name everything going forward 
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This would be a huge downgrade from contacted & contactless transactions.
Iâm forward to eating my words on Monday
Nom nom nom!
app requires authentication to get into thus is more secure than a contactless card
Banks are happy to take the risk (remember, youâre not liable for contactless fraud) to offer convenience, and frankly contactless fraud is nothing compared to the elephant in the room, aka online, card-not-present fraud.
itâs very easy to scan a qr code
Maybe in perfect conditions, yes. Try taking a sharp picture of the ticket machine (thatâs where the hypothetical QR code would be) in a London bus at night. Good luck.
I wonât have to continuously try to point somewhere for a customers contactless to work
Isnât it the same issue as with contactless? âScan thisâ vs âtap your card hereâ? The main issue there is that some people have no clue how contactless works and thatâs why you get read failures; QR codes wouldnât solve this, if anything it would make it even worse because thereâs way more complexity on a phone than on a contactless card. There is a thousand things you can click on a phone that will bring up the wrong page and/or close the QR code scanning interface. A contactless card is easy in comparison.
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Just looked at the Starling FAQ and was gob-smacked to see this:
I need a paper statement, do you supply these?
Digital statements are available in app and can be downloaded right now as a PDF / CSV. If you need a certified paper statement, we can supply these for ÂŁ20 per request which can take up to 5 working days.
Hopefully, I will never need a certified paper statement!
Waiting for them to give your money is the painful bit.
Monzo or any modern bank makes this super easy.
Visa and Mastercard should be cutting down on that type of fraud with visa tokenisation soon also
How? By contactless fraud I meant someone stealing your card (or âfindingâ your lost card) and going on a spending spree taking advantage of the lack of PIN for low-value contactless transactions. Pre-play attacks have already been mitigated as far as I know, and they never were a significant figure even worth investigating anyway.
it doesnât have to be used in places with low light environment, or you could just add lights.
But again, why complicate things when thereâs already a technology that works just fine without lights (not to mention the added authentication)?
If they manage to full on shut the app I doubt theyâll be using contactless anyways tbh
I know plenty of people that barely manage to use a smartphone but are just fine using contactless (not that this excuses not being able to use a smartphone in 2018 btw, but thatâs a rant for another day). Not to mention, doing payments over a phone app means the phone needs to be secure, something which is a huge issue with people who click on & install everything (seems like the more shady it looks the more they will click on it), and the disastrous situation of Android updates (or rather the lack of them).
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Hopefully, I will never need a certified paper statement!
Print the PDF and pass it off as original (because it is an original). Not really sure what âcertifiedâ means in this case, I mean unless they need extra information or a hand-written note from the bank, the PDF should be enough because itâs got all the information theyâre looking for anyway.
I disagree with some of Starlingâs business practices but I really donât see anything wrong with this one. Why should they be footing the bill to put up with some legacy companyâs bullshit because they still somehow believe (or are made to believe) a âcertifiedâ statement is somehow more secure, without actually authenticating it (and if they do want to authenticate it, they can do exactly the same with a normal PDF).
This seems like revenge; which is inline with Starlingâs somewhat legacy mindset. But I doubt itâll make a big impact in the grand scheme of things, most people probably arenât even aware you can close the account, theyâd just delete the app and never use it again so maybe only like 5% of their customers will ever be affected by this.
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Ive never come across a company thats asked for a âcertifiedâ pdf. Any times ive been asked a normal pdf has worked 
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The only downside I see with charging for statements is that if the banks see this as another revenue stream (some legacy one definitely do - Nationwide for example charged me 5ÂŁ to print out statements despite them already having branches & stuff, not to mention the statement looked exactly the same as the PDF), I could see them leaving the situation as-is on purpose instead of working on a way to allow anyone to request/authenticate statements digitally via the API (something like a push notification "Company X wants to access your last statement. Allow/deny?).
However I donât think Starling is that bad (and I expect most of their customers to be fully digital and frown upon paper statements just as much as I do) so I donât think this will reach anywhere close to a ârevenue streamâ for them and thatâs good.
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Is that all ATM withdrawals - no limit? I thought they also had a limit in place⌠hmmmâŚ
They have daily limits for security purposes (and it doesnât even differentiate between local and foreign ATMs) but other than that is is unlimited (for now at least).
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I think itâs more to do with the cost factor of people closing / re-opening accounts
But that is my point, with a fully digital bank there is no cost associated to closing/re-opening accounts, itâs literally just flipping a flag in the database. My closed Starling account for example is still accessible via the API, and if it wasnât for the is_active flag being set to âNoâ the app would let me login.
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