logoalt Hacker News

toast0today at 5:09 PM1 replyview on HN

The problem with changing banks to search for a ux you like is that it's not easy to see the ux before you've invested in signing up.

My main bank changed their UX not too long ago, and I liked the old one better, but the banks I've signed up for since are even worse. I signed up with them for other reasons though, so I put up with them because it's worth the pain. It does make my main bank look better though --- mobile style on desktop is annoying, but at least I can easily find everything I need... And it's not really their fault there are seven different options on the transfers page (including my favorite: same day transfer vs next day transfers... at one point same day transfers had a fee but they don't anymore so from a user perspective, it's the same thing but you can have it slower if you want...)

Also, signing up for a new bank these days is an exercise in KYC frustration. And then you can't actually transfer your money and use it, because banks responded to the dumbass check fraud that was being promoted on social media by limiting new accounts.


Replies

Telaneotoday at 5:12 PM

> The problem with changing banks to search for a ux you like is that it's not easy to see the ux before you've invested in signing up.

I agree. Better to deal with the devil you know rather than potentially one you don't.

Thankfully, I switched to a bank with a UI that was known good going by all the chatter I'd heard, but that's not really something you can guarantee to know. And even if you do know, if the rate is drastically worse at that bank than any of the others', then that's kind of moot.