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Feminism: Sex and gender discussions

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Original poster

Is this Indirect discrimination?

70 replies

ThreechordFjord · 15/10/2020 10:02

Trying to find my feminist feet here and in real life. My husband controls all the finances via our joint account. I have a debit and credit card. I would also like to do online banking transfers and generally have access online to our account. It is embarrassing to have to ask him to do a bank transfer, waiting til he is home to pay people. I mentioned this to him and hebtold me thatbthe bank only let the app be used on one device. Ive checked (because it sounded like bullshit) and he's right. IMO this is discrimination because it favours men (who are more likely to earn more, more likely to have apps on more expensive phones) and discriminates against women (who are less likely to have access to funds). Am I barking up the wrong tree here? I feel really disenfranchised from my own money?!

OP posts:
FairfaxAikman · 15/10/2020 10:03

Why not have your own accounts and a joint one that you pay in a set amount to for bills?

Cismyfatarsey · 15/10/2020 10:04

We have our app on 2 devices. Both set it up and use it freely. Bank of Scotland. So it can be done. Is it a joint account? Our one is. So, you need to change banks (or husbands).

CaraDuneRedux · 15/10/2020 10:04

You are not being unreasonable here.

A blistering letter to the bank, the banking ombudsman and name and shame, I'd say.

Then tell your husband you (jointly) are moving your bank account to a more civilised bank.

Datun · 15/10/2020 10:05

That's not right. You can access a joint account on as many devices as you want. You just need the login details.

ColonSemiColon · 15/10/2020 10:05

You don’t need the app to do online banking, you can use the website. And you don’t need his permission, just go to the website and get yourself set up. But it is a stupid rule about only having the app on one device.

dementedpixie · 15/10/2020 10:05

Which bank? Is it not that each person can only have it set up on one device? You would have your own log in details for your device

MaryLennoxsScowl · 15/10/2020 10:05

I’d suggest changing to an account that is suitable for joint use, as that one clearly isn’t, or changing your bank. Look up the options and see what your husband says when you suggest changing to a proper joint account. Is your name on the account? If so, you should be able to do telephone banking rather than waiting for him to get home?

dementedpixie · 15/10/2020 10:07

Or do it online not using an app. You will have your own customer number/log in details

Original poster
ThreechordFjord · 15/10/2020 10:07

It's First Direct. Something to do with a "key".

OP posts:
MsShopper · 15/10/2020 10:07

Our joint account is with First Direct, and we both have the app on our phones. With separate log-ins, I’m not sure why you couldn’t?

eurochick · 15/10/2020 10:08

Where did you check? It doesn't sound right.

dementedpixie · 15/10/2020 10:10

I sont think you're correct. If its a joint account you can both have the app with your own separate log in details

Original poster
ThreechordFjord · 15/10/2020 10:10

"Can I have a Digital Secure Key on more than one device? No. For security reasons, your Digital Secure Key can only be registered to one device at a time." from the website

OP posts:
dementedpixie · 15/10/2020 10:10

Can you screenshot where it says you can't do it?

eleventylevennamechanges · 15/10/2020 10:11

We are with first direct.
We both have online banking with our own login details.
I don't know why your dh is reluctant to allow you access to your joint finances.
I don't use the phone app so I can't comment on that.

BrizNiz · 15/10/2020 10:11

If that is correct, I'd change banks. Monzo is easy to set up and good for couples / transparency

dementedpixie · 15/10/2020 10:12

But you will each have your own one. You are separate entities on a joint account

grool · 15/10/2020 10:12

Absolute rubbish OP, DP and I have a joint account and joint savings account with First Direct and we both have the app on our phones.

What you've confirmed is incorrect, if you download the app you can get yourself set up and it's nothing to do with your other half. I've had a few problems with the securoty key when I've had to delete the app but they sorted it out over the phone.

Thisisnotnormal69 · 15/10/2020 10:13

But do you have to use a key to login?

grool · 15/10/2020 10:14

What you have quoted is only applicable per user. One user can only have one security key. You and your husband are classed as 2 seperate users if you have a joint account, so you each get a security key. So basically you can onpy download the app on one device each.

Datun · 15/10/2020 10:15

OP, you need to call them up, or send them an email. You must be able to both access your own account. There is no way you can't.

I even doubt that you can't both have the app on your phones. But even if that was the case, for some bizarre reason, you can access it via your laptop.

There is no way two people don't both have access to their joint account!

NothingTraLaLa · 15/10/2020 10:15

DH and I have a joint account with First Direct and both of us have the app on our separate phones. I think they mean that each individual can have only one device connected. Give them a call - FD are very helpful.

Winesalot · 15/10/2020 10:15

Can you not get your own Digital Secure Key? Maybe that is where the issue is. You need your own profile to your joint account and get your own 'key'. Call the bank and ask.

I do know that I cannot have access to our joint credit card details on my app because of the archaic 'primary card holder' but joint bank accounts are different. Or should be.

dementedpixie · 15/10/2020 10:15

Its a method of authentication but you and your dh would have your own separate one. Download the app and get yourself set up. You're getting het up about nothing

KihoBebiluPute · 15/10/2020 10:16

Change banks. We have our joint account with Natwest and we can access it from any number of devices. We each have our own card-reader device to use for generating security key codes when we need to have an extra layer of security. You are right that this policy is likely to disenfranchise women but you don't have to put up with it. Complaining wouldn't result in any kind of change for years (if ever) but you can have a new bank account open and running within a week. If first direct want to be a bank that is only interested in the business of single people and couples where one person is happy to be disenfranchised, that is their loss and will restrict their financial viability. Fixing their idiocy for them is not your problem, just leave.