Had to setup a standing order via metrobank online, steps as follows:
Login = username > 3 numbers > 3 letters
Add recipients details
Enter long number that was just text
Enter 4 digits from debit card
Check
Save
All that when just getting past the login is hard enough!
@anon72173902 Don’t forget that you couldn’t do this via app… had to be via browser.
Oh yeah there is that too 
It’s somwthing like 17 separate screens and a password to set up and schedule a payment with the tiny challenger bank.
Sounds rather long…
I don’t even remember setting one up on the Monzo App so it must have been really quick.
But at least the “tiny challenger bank” allows you to use a proper password and copy/paste it from your password manager.
But SEVENTEEN SEPARATE SCREENS!
It shouldn’t be demanding a password just because I change the image associated with the payment.
I’m just discovered a massive bummer…
In order to set up a standing order, I have to re-enter the recipients details, even though they are already set up as a payee 
I think the worst thing about my bank is the online security. I know I need good security but there are so many questions just to get logged in. Of course I wouldn’t want it any less secure but it’s just a pain.
It’s rarely actually secure, most banks security are more gimmicks than anything else.
Well feels a bit more secure the more questions it asks I guess
…which is a bit of a scam 
I think the amount of questions asked with my legacy bank is less than the amount Three ask me even for a simple question about my plan. They ask for postcode, full name, DOB, certain numbers from my special place, certain numbers from postcode. Alongside my number and email address. So that takes at least five minutes before they address my question. I’m not sure if it makes anything more secure, since I think this info is easily available.
Maybe not a feature… but thought id share a recent terrible legacy bank experience.
Last week rang up Lloyds to pay off and close my credit card. Paying off the balance went fine, asked them to cancel, seemed all good. Fast forward one week and I got a letter from Halifax saying that my card was closed! The Lloyds customer support team closed my Halifax card! They have resolved it now (in that have got the right cards closed/open) but a pretty shocking experience!
Not too uncommon with groups. @anon44204028 showed me a letter he received from NatWest, only thing is he does not have any NatWest accounts. RBS wrote to him using the wrong letterhead 
I had to get out my card reader to transfer £10 from one of my old accounts to my new Monzo account. £10!!!
Not unusual for RBS Private calls nearly always get answered as NatWest Private/Premier (unless been very unlucky with overspill call handling). Welcome pack was and most literature is also NatWest branded.
I use Barclays for business. They’ve just updated their mobile app.
The font size they use is now SO BIG that when I scroll down the list of saved payees I can only see two at once! It doesn’t help that most of the bottom half of the screen is taken up by an advert pushing their Pingit app…
So I have a basic account with natwest to dump cheques into… finally decided to transfer the accumulating money out of it.
Tried the mobile app… what a disaster. According to its description this thing has won awards… for what exactly?
Firstly signing up is an exercise in frustration. At each step it asks for a new item of information if you go and look it up on your phone (because, you know, I don’t have obscure numbers for an account I rarely use committed to memory) it completely restarts the process and you have to start again. They’ve never heard of multitasking phones at natwest.
Then the phone number entry is utterly broken. Android helpfully provides a prefill of the correct numbers, which you select… and the app immediately removes the last digit. So you have to put the number in, delete the space then put the last digit it, because they didn’t think of people spacing out phone numbers.
Then it sends itself a text. Do not click on the notification when the text arrives… this restarts the registration process again…
Another random number that it’s damned lucky I kept in lastpass later (and another restart of the app…), and I’m in, yay.
‘Pay your contacts’. OK that sounds good…
‘We don’t have your mobile number on record’. What? The one YOU JUST USED TO VERIFY THE APP???
Maybe it’s like Monzo and it uses the mobile as a key to pay contacts… Doesn’t explain why it doesn’t have it already, but OK… let’s try something more traditional.
Let’s try a payment. This seems more like it. ‘Choose Payee’. ‘Pay someone new’.
‘We don’t have your mobile number on record’
WTF? Why in the name of hells teeth does a faster payment need a mobile number?
Bugger it. Maybe a standing order… ‘We don’t have…’. Dammit. International payment? ‘We don’t have…’ Dammit.
Basically the app is utterly useless for anything unless make a special step of ‘giving them my mobile number’ (probably all 4 of them) because aliens, or something.
And this won awards???!!!
I’ll never criticise the Monzo app again…
(For bonus points I gave up and went to online banking, and their stupid keypad decided it wasn’t going accept my pin and broke so I’m going to have to travel to the next town to one of the few remaining branches just to get at the money… it’s almost not worth the effort. Lucky I didn’t need it in a hurry).
I use my Natwest account as a bills account for the rewards. I use the mobile app, as I keep getting locked out of the online banking in the web browser and have given up setting it up yet again.