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Feminism: Sex and gender discussions

Feminism: chat

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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:

AlexaShutUp · 15/10/2020 10:16

Dh and I have a joint account, we both do online banking. We were given separate digital "keys" when they were a thing, but now it's all in the app anyway.

Sexnotgender · 15/10/2020 10:16

The key might only work on one device but you should be able to have your own key.

ilheartjennimurray · 15/10/2020 10:16

That’s not correct OP. Suggest you call the bank directly. In any case FD support telephone banking too (using voice recognition for security checks) so you should have already been accessing your bank this way.

Skyliner001 · 15/10/2020 10:17

Barclays, joint account. Two devices. Change account providers.

PegasusReturns · 15/10/2020 10:17

A digital key is different to the app.

You both download the app.
You both have your own digital key registered to your app.
You use you digital key on the app on your device.

I suspect this is more of a husband issue than bank issue though

MarkRuffaloCrumble · 15/10/2020 10:17

I presume they’d send you your own key then? If not, definitely move banks.

Comefromaway · 15/10/2020 10:18

You've mis-interpreted. If it's a joint account then you are each entitled to your own Secure Key. Phone them up and register.

dementedpixie · 15/10/2020 10:18

You generate a key from the app. You are getting confused or your dh is trying to anyway. Get the app, do your banking

Sexnotgender · 15/10/2020 10:19

Contact your bank directly. The issue is with your husband.

ilheartjennimurray · 15/10/2020 10:20

I bank with FD by the way. You have either both misinterpreted the technical details, or you are being gaslighted. Call the bank.

dementedpixie · 15/10/2020 10:20

You dont need to phone for a secure key. You can generate a digital one in the app. Download the app and follow the instructions

ilheartjennimurray · 15/10/2020 10:22

And one more thing, you can bank online using the desktop website. You only need your mobile (security key) for making transfers - so you should already be able to log in online and view balances etc, have you done this?

EL8888 · 15/10/2020 10:24

I think your husband is deliberately misunderstanding this. Is he controlling about other aspects of your lives?

FinallyHere · 15/10/2020 10:26

One user, one user ID is the way forward.

Register for your own on line access to the account. Then you will be issued your own ID and be able to use the app on your phone.

If you struggle, PM me. I'm happy to walk you through the process.

Are there any other areas where he uses your ignorance to fob you off doing things that you really should do yourself? My DH is happy to leave most on line stuff to me but I remind him that he needs the skill just incase if any emergency and make him log in occasionally. App so much easier than the web site.

My own mother was completely helpless about normal household admin. My farther handed the reins to me when he started to be unwell. Don't be that person stranded because you lack the skills.

ErrolTheDragon · 15/10/2020 10:26

It sounds as though you should be able to get online access to your online account but if not then there are 2 alternatives - you move your joint account to a bank that facilitates equal access for joint account holders, or you have a device used for online transactions which lives at home and to which you both have the password.

Credit cards are bad for not treating joint account holders equally - there's a main account holder. Afaik they're all like that.

BowlerHatPowerHat · 15/10/2020 10:28

Are you sure you actually have a joint account? Maybe you are just an 'additional card holder' - do banks still have those?

pickingdaisies · 15/10/2020 10:29

Of course you are allowed access if you are a joint account holder. Your husband is mistaken, or he's pulling the wool over your eyes. You should have your own access, not going through his. I just use telephone banking because it suits me, they regularly offer to help me set up online banking. On my joint account. At first direct. Call them.

eleventylevennamechanges · 15/10/2020 10:30

FD are excellent IME. This problem is down to OP's husband, not the bank.
I think you have to think about why your dh wants to stop you having access OP.

dementedpixie · 15/10/2020 10:31

Additional card holders only apply to credit cards and only the principal card holder can access the details
Both parties to a joint bank account can access it online/using an app.

SimonJT · 15/10/2020 10:32

Our joint account is first direct.

We both have the app on our phones (actually I have it on my work phone as well), yes we cannot be logged on at the same time, but we can both generate a ‘key’ as long as we don’t do it at the same time.

nickelbabe · 15/10/2020 10:34

1: a joint bank account is joint fully - you both have equal access, you both have a debit card for that account and you both have an individual logon for that account. The "key" refers to your own key, not one key per account but one key per account holder (per person)

2: go to first direct website with the bank details and whatever info you need and sign up for your own login. You can ring them if you're not sure.

3: get your own bank account in addition to this and start saving

eleventylevennamechanges · 15/10/2020 10:38

The thing I like best about FD is that you can talk to a real person 24/7. They are really helpful and will talk you through setting up your online banking as you do it, if you are not sure.

Sexnotgender · 15/10/2020 10:47

@BowlerHatPowerHat

Are you sure you actually have a joint account? Maybe you are just an 'additional card holder' - do banks still have those?

On credit cards yes there’s no such thing as a joint credit card. PCA is joint though.

Phrowzunn · 15/10/2020 10:47

We have a joint account and we both have the app on our phones and I have it on my iPad as well. DH doesn’t have access to the savings account or the kids’ savings account though as they are in my name only. But if the account is in both your names you should both have equal access. Kind of sounds like you have a DH issue rather than a banking (or feminist ) one!

eleventylevennamechanges · 15/10/2020 10:48

Are you sure your name is on the account?

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