For customers of the Clydesdale Bank (what do you mean you’ve never heard of it?), it’s been a long wait for the Mobile Banking App, but that long wait is finally over. Well, if you have an iPhone, anyway (the Android version is still under development).
Now that it’s here, can you delete Clydesdale Bank Internet Banking from your desktop and/or laptop favourites? Nope. Not by a long shot, buddy.
On the face of it, the Clydesdale Bank Mobile Banking App looks quite impressive. As soon as you log in, you’re presented with the details of your first account, and other accounts can be accessed with a simple swipe to the right. Alternatively, you can tap to view a list of accounts. Nice.
There’s also the option to transfer funds, and a couple of features exclusive to the app, specifically weekly/high/low balance alerts that come through via text, and Locator, which shows nearby branches and ATM machines. Er, on Apple Maps.
On the security side of things, the Clydesdale Bank Mobile Banking App is suitably impressive. You’re automatically logged out if you close the app with the Home button, receive a call, lock your phone, or remain inactive for 4-5 minutes.
It’s also a breeze to sign back in. While Internet Banking demands your 10-digit customer number and three characters from your password and the answer to one of your security questions, the Clydesdale Bank Mobile Banking App uses a simple 8-digit passcode.
Now for the negatives. For starters, the Transaction descriptions are abbreviated to fit on the screen (portrait) and there’s no way to expand them. Nor is there any option to filter the results (credit only, debit only, last X days).
As for Transfers, you can only transfer funds between your own accounts, so you can forget sending anyone else money.
A few other relatively simple things are absent from the Clydesdale Bank Mobile Banking App too, such as lists of Standing Orders and Direct Debits. Even just being able to see them would be nice; we don’t necessarily need the option to cancel or whatever.
But for what it is (version 1.0, essentially), the Clydesdale Bank Mobile Banking App is pretty decent, with intuitive navigation. Fingers crossed the limited functionality is expanded upon in due course.
- Account balances
- Map of branches/ATMs
- Text alerts
- Can only transfer funds between your own accounts
- No Standing Order/Direct Debit list
- Abbreviated Transaction descriptions
Summary: The Clydesdale Bank Mobile Banking App doesn’t replace full-blown Internet Banking, but it’s worth installing for a quick check of your balance on the move, and the text alerts might appeal to some too.
Developer: Clydesdale Bank Plc
Price: free @ App Store
Requirements: Compatible with iPhone 3GS, iPhone 4, iPhone 4S, iPhone 5, iPod touch (3rd generation), iPod touch (4th generation), iPod touch (5th generation) and iPad. Requires iOS 5.0 or later. This app is optimized for iPhone 5.