For the same reason, I suppose you would love text adventure games like Hitchhiker’s Guide to the Galaxy, where you have to come up with your action, as opposed to getting visual aids which come like a loaded question, steering you and somewhat robbing you of control.
It is exactly that.
There are ~95 pages of rights and obligations covered in EU Directive 2015/2366, as well as EC Regulation 593/2008. Have you read them, or anything else to substantiate your claim?
You’re trying to solve the wrong problem.
There is no such thing as a “wrong problem”.
You do you. This thread is not about your problems. Start your own thread if you want a different problem worked. In this thread, you can either help solve the problem at hand, or fuck off.
I heard postbank was eliminated in Germany but post office banking is still an option in other countries. I doubt any post office banks stand on their own. The one I’m aware of is just a proxy for another crappy bank.
Many elderly people can’t use a smartphone so smartphone only options definitely sound like a no go.
It’s somewhat convenient that tech illiterates are in the same boat with the streetwise (who are tech saavy enough to distrust commercial tech that’s being pushed down our throats). But there are efforts to divide us. Elderly folks are getting social helpers with tech, which will shrink those resisting enshitification of everything to a population that’s easier to marginalise. I also don’t suppose it will be long before the tech illiterate elderly are no longer with us anyway.
at least in Germany companies and state are not anymore required to accept cash for invoices
Yikes. That’s a shame. There is the EC Recommendation of 22 March 2010 (2010/191/EU) which wisely states:
A debtor can discharge himself from a payment obligation by tendering euro banknotes and coins to the creditor.
I am surprised Germany has gone against that. I thought cash was loved by Germans.
Glad to hear you’re standing up for yourself, and others. And glad to hear an analog option is still possible. That’s by far the most important option. If you can do everything offline, then you can escape whatever garbage tech they try to push. Essential services like banking and utilities should always have an offline analog option.
The thesis is: what are our rights? Knowing your rights is a good idea /before/ you go off and try to solve a problem.
It may very well be that we have no useful rights and the choices are: be bullied, or find a different bully. But let’s not get ahead of ourselves. Other banks are garbage too, so it may be better to improve the bank you have (if possible through legal actions and exercising your rights) then to make it someone else’s problem.
No, not anymore. They became app exclusive. Customers must become an Apple or Google patron, or just use the bank card. They also closed their shop doors and terminated their phone number. If you call them on their unpublished phone number, they insist: “email us” and they refuse to give any service over the phone. And their email goes through gmail (and no PGP key given). Paper letters are ignored. They also refuse manual transfers. The app is the sole means for transfers.
The EU has that covered as REGULATION (EU) No 260/2012 imposes 2FA.
But for me personally, I do not trust closed-source apps from surveillance advertisers running on a Google or Apple proprietary platform, no matter how well they do the 2FA. Even if the endpoint were impenetrable, I do not trust the bank itself not to snoop -- in part because I do not trust the GDPR, which is scantly enforced and regularly disregarded to a laughable extent. And from the ecocide PoV, I refuse to throw away good hardware and support designed obsolescence. They can pry my old phone from my cold dead hands.
Thanks for the tip. It seems to work but I have to say it’s a rough UX because the UI is really meant for a graphical browser. I could not even paste my UID and PW in to login.