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this post was submitted on 26 May 2026
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That surely is not a valid solution for everyone ๐ i have accounts e.g. at a swiss and france bank. Can't just go there ๐ And from the other banks, only one would be reachable by foot.
Modern banks don't even have offices you can visit.
A reasonable solution if it comes to it would be to get a cheap android phone only for banking and whatever else doesn't work on non digital ID platforms.
As said in the other reply, that's what I did. A phone with just the banking apps on a highly firewalled phone and with a fake google account. Now I use three phones (one for android auto) which should be one. This is no help anymore but additional Chores. Thanks enshittification!
Well, fuck 'modern' banks, then. My bank does have offices you can visit, and I'll resist as long as possible moving to anything else.
Guess that's the bank I'd be using if I were you.
Not so simple, I need more than one bank. Also I'm a cheapskate. These with offices usually cost 10-30 bucks a month. Just for that. If only using those that'd be around 50-200 moneyz a month for...nothing but being able to walk there, stand in line, then use a damn nasty machine made for dwarfs or talk to a stupid human. For every silly transaction?
Yes. Fuck them. But also...I need them. My solution was to just cave in and use one dedicated bank-phone. With fake google-acc, and firewalled to the roof.
Better than this walking solution? Like it was before. Web banking. On the web. With tan-generators or SMS. That was secure enough.
Such bullshit!
My bank with abundant offices all over town is free. Their only requirement is that I keep at least $10 in my account. And that's pretty much the norm. Most banks here are like that.
If that's possible here, why isn't it possible there? Maybe this is a huge business opportunity for someone who wants to start a new bank (or expand an existing one) in your area -- one with low/no fees and good, in-person customer support.
There were many "new" banks. Free and easy. But no offices. Places are extremely expensive, people are too. That shit trickles down. And yup, total bullshit but that's what it is here (germany). A handful majors that have offices all around, but those cost. Even with income they still charge you. Even though you deposit a ton of cash THEY will gamble with, they still charge you for that :-) One even charges me for every transaction separetely. Like 5 fucking cent i think. On top of the basic charge. Very sucky for an account with a large volume of transactions.
The worst with those "modern" banks on the other hand is not only the app-shit, but also they only accept you with video-ident. Some video-conferencing-bullshit where like 512831 "legitimate interest"-partners have your very details and video at hand. Costs them just some bucks, all other identifications are more expensive and hence ignored.
Last bank-account I needed to switch phones with the app, and they locked me out. "Due to security-reasons". I needed a FULL verification process again. My response "I don't do video-chat, period" was ignored. I was effectively kicked because "security" kept them accepting phone A in my hand granting access to phone B in my other hand. Over the same wifi, at the same location, by the same fingerprint. Withdrew all my money, overdrafted to max just to piss them off and canceled my account. You probably guess how fast they could suddenly be with REAL customer-support :-)
Long story short: Most people just don't care. They do the video-ident, always use credit- or debit-cards, and never ever stepped foot into a bank-office. And those that care about offices, usually don't care about the cost. I'm just a horrible cheap-ass :-)