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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:

Sexnotgender · 15/10/2020 10:48

@eleventylevennamechanges

Are you sure your name is on the account?

She’s got a card so her name must be on the account.

CharlieParley · 15/10/2020 10:49

@ThreechordFjord

"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

Per user. The digital secure key is issued to each bank account holder. As this is a joint account, you can have your own login both on the website and on the app.

Please contact the bank and tell them you would like to start using internet and telephone banking as well as the app. First Direct will send you via mail all the details you need if you don't have them.

We have a joint account with FD, too, and although I'm the one who does all the banking, I recorded my husband's login details should he ever wish to use these services.

He has recently done so for another joint account we have, and we now both have the app to access the account on our phones.

What you typically cannot do is use the same login details, have the same user, registered on two apps. But First Direct issued you two sets - one for you, one for your DH - either when you first opened the account or when he first set up internet and telephone banking. It's not a problem if your DH doesn't have your details (or if he never had them in the first place). Just call FD and ask them to send you new ones.

redvest · 15/10/2020 10:51

We are with first direct and have a joint account with no issues. Not sure about a key but we jointly access the money as well as both pay into it.

FinallyHere · 15/10/2020 10:57

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

Credit cards are not really comparable to joint accounts.

Credit cards cannot be taken out jointly. They must have one main card holder, who undertakes to cover the debt no matter whose card incurred it.

It's nothing to do with sex and everything to do with the main card / account holder.

titchy · 15/10/2020 10:58

@ThreechordFjord

"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

You just need a separate key for your access.

HairyRrug · 15/10/2020 10:59

Second what a pp said about opening an account in solely your name. Either arrange things so your money goes there first or a standing order from the joint account.

Sexnotgender · 15/10/2020 10:59

It's nothing to do with sex and everything to do with the main card / account holder.

Exactly. I’m the main cardholder on our credit card and my husband is the ACH.

DilemmaDerby · 15/10/2020 11:02

You don’t have a feminist issue with the bank, you have a DH issue!

Marmite27 · 15/10/2020 11:03

@ThreechordFjord

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

I’m with first direct, each CUSTOMER can have an app on one device.

Your husband is one customer, you are a completely separate customer. If they are joint accounts, they will show on each of your individual app profiles.

I think your problem may lie in that you’re not named on the accounts, so technically he’s the only customer.

My DH and I both bank with them, both have the app. I see all my sole accounts and all our joint ones, he sees all his sole accounts and all our joint ones.

First direct is not discriminating against women!

Marmite27 · 15/10/2020 11:08

Oh and we can both log on at the same time, so not sure why a PP can’t?

andyoldlabour · 15/10/2020 11:09

Perhaps it is just that we have been together for over thirty years, but my DW and I have a joint account, the credit card is in my name, but we both know each other's pin numbers and access keys for online banking. We also know each other' passwords for emails and the like.
I would be a bit suspicious if a partner was not allowing me access to a bank account, particularly a joint one.

Chocolate1984 · 15/10/2020 11:21

We are with HSBC with the same digital key system. You need to call the bank and get your own online account set up. You’ll have your own account log in, passwords etc but once logged in you’ll see all joint accounts. Once logged in I can see our mortgage, savings, current account but I can’t see my husbands ISA as that’s only in his name. My husband has his app on his phone and tablet so you definitely can use it on more than one device. Your husband either doesn’t understand or is lying.

PearPickingPorky · 15/10/2020 11:29

OP do you think your DH has misunderstood this on purpose, to stop you having access?

eleventylevennamechanges · 15/10/2020 11:35

@PearPickingPorky

OP do you think your DH has misunderstood this on purpose, to stop you having access?

This.

334bu · 15/10/2020 13:31

""Credit cards cannot be taken out jointly. They must have one main card holder, who undertakes to cover the debt no matter whose card incurred it.""
Sorry for derail but this is important. My husband and I had joint accounts and we used a credit card on that account, paid off every month for day to day expenses. Needless to say when he died I thought nothing about continuing to use it until I visited the bank and was told it was his card only. Fortunately for me I had another card in my name only which I could use to pay immediate funeral expenses etc, otherwise things could have been even more stressful than they were.

MiniMum97 · 15/10/2020 13:36

You would each have your own log in and own digital secure key.

I have a first direct account and I can also access that account on my mobile and my laptop (so two different devices) with the same key. I can't access my online account via the two devices at the same time though. It will log me out of one.

I would call them and go through it over the phone. They are very helpful.

highame · 15/10/2020 14:06

I wouldn't have dreamt of having a joint account. When I had children, I worked out how much I wanted each month and it was transferred into my account each pay day. I also had a savings account which had amounts transferred as and when, such as for Christmas. Never had to go begging, would never have dreamt of it. I am 71 so I am staggered that any woman would still not have total control over household expenses, if she were the main purchaser.

When I went back to work, I still had money transferred, which my DH said was the Social Secretaries salary

dementedpixie · 15/10/2020 14:09

So you had to ask for money and justify how much you wanted? Thats much worse than just being able to spend from the joint account

GingerBeverage · 15/10/2020 14:13

Hi OP - I'm afraid this sort of thing comes up now and then on the Relationships board, as financial control.
First Direct will allow each account holder on a joint account to access with the app or online. The fault is not with them.
Please consider reading up about financial control in a relationship.

CheeryTreeBlossom · 15/10/2020 14:17

I don't think there's an issue with having a joint account - we had to get a joint account with our mortgage. However our salaries still get paid into our respective personal accounts and we just check the joint has enough to cover the mortgage payment. If you are not earning (e.g. SAHM) then a joint account can ensure you have full access to the household finances and not rely on transfers from your partner to your account for everything (unless you encounter the OPs issue!)

With regards to account access via apps, we can both see and control the joint account via our own phones (with Barclays). However I set up an account for my daughter and only I can see that - they wouldn't allow it to be accessed by more than one person. So as with previous posters I would double check that you actually do have a fully joint account OP.

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