It's 2019. It's time for a web app 😡

Second this. It’s a bit difficult to access the account without any Android or iOS device. Not all android emulators can be trusted, and there’s no other way for people without compatible smartphone.

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I know: the most people don’t want to use a pc, but I think - a browser app is useful and you could manage your money better on a pc than on a smartphone.

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I know an online bank, where you could authorise the login process on your pc with the mobile app. For people without a smartphone you could get an oldtime message (SMS) - for this method you have to pay.

I am not sure if Revolut is really reading this community chat but if they do I’d like to tell them that for me Revolut will never become my primary bank so long as they dont provide a web app. I am not going to argue why is that I think for most people it is obvious. But if their business model is to collect monthly memberships then it does not really matter whether you have 1K or 100K on the account… so maybe we will never see this feature… It is just my humble opinion. Cheers!

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It is a shame that all my friends are moving to n26 just because of the lack of a web interface in :r:. We work in the PC all day and switching devices is annoying; the phone is very uncomfortable when we need something a bit more complex to do like copy data to other programs or execute multiple operations fast.
Also to use many of the new features like trading or crypto, reading the graphs and so on the phone is totally useless.

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It could be an idea, something like Whatsapp Web, with QR login :smiley:

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A phone is a machine and things happen to machines. It makes sense to have alternative access to, at least the security settings, on the card. It’s similar to locking yourself out of your home: you have a spare key somewhere nearby don’t you?
50% of the population keep their phone and card in a bag slung over their shoulder. Losing it is a double nightmare. Web access would at least limit the damage and put recovery on the fast track.

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In case you don’t know: There is an automated phone line for blocking stolen cards.

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Amen!!! Would love to use only Revolut, but it is hardly possible to take the (great) service as serious as it would deserve when you are not provided the simple essentials. And Revolut would have another opportunity to really shine with a neat app on the desktop if you compare with the “solutions” of common banks.

Seriously I have no idea why you are denying the fact that a lot of people are craving for a web app or some desktop interface. I would LOVE to do everything over Revolut, but not being able to simply copy+paste data like IBAN, subject, etc. of transactions from one window to another is so annoying that I use Transferwise. Revolut is offering a neat budgeting feature, but instead of being “revolutionary” easy and have everything out of one hand, it forces me to keep track of my finances in a spreadsheet cause this is the lesser of two evils: Either I do all the payments with Revolut and have to type IBANs out of emails on my phone by hand like being in a technological stone-age or I use more comfortable services WITH web-app and then have to summarize the payments in a spreadsheet and add up the amounts out of the app manually. I am choosing the latter since I would be distracted in my work if I had to look on my phone constantly whilst working.

Long story short: Not having a web app is simply super annoying and having one would increase my good experience of the service by more than 100%.

I’ve got some thoughts. I think this topic is very complex. And that’s one of the main reasons it takes so long to figure out a strategy.

  • Should it be a MVP or a proper web desktop banking?
  • Irony here: features like stock trading would profit most from the large screen, but are relevant for a small number of users and relatively complex to implement.
  • Statistics show that people move away from web banking to apps. So it is limiting the product for some “heavy users”, but no for most.
  • Device independent access is a great user benefit, but it creates new security risks (websites are way easier to fake for phishing attempts, for example.)
  • How to define the feature set? Bunq seems to struggle here. Developing both platforms is a lot of work. New features are usually only deployed for the app. People now get annoyed by the website’s limited features.
  • Some desktop banking tasks might be replaced by multi banking apps (open banking) in the not so distant future – this is also an argument for web banking, since Revolut becomes a multi banking app itself.

My guess is they will come up with some sort of desktop banking experience eventually. I am all for it. But from their perspective, the priority for this is low. And a relatively fast pace in app development isn’t making this easier.

Thanks for your contribution, you made really great points!

All development these days is done in steps, and they do too. R Business web app started simple and they kept adding features in time.

I think there’s use cases for both mobile and desktop. One is not better than the other, it is simply more adapt to a certain context. And you can get a job done either way, it’s just a matter of being very specific. Take Binance for example. It does a great job of allowing users manage their portfolio both on mobile and web/desktop (which is just an electron wrapper). So you can be successful on both, but none is enough to cover the use cases of the modern user.

I’d like to know more about it. As far as I understand, users just make use of alternative platforms depending on the context. So if you give them a mobile app they will use it when they are off their desks of course. Which doesn’t mean they are moving to mobile. They are simply being smart with the tools they have in context they are. As I said, no single platform can replace another, unless you are able to enclose the full feature set of the other platform with the first one.

That’s correct, but not new at all. Revolut Business already works on the web. Additionally, I’d say that no matter what client you are considering, they all need to communicate to Revout server/cloud anyway. So that wouldn’t lessen the worry about security anyway. A web client is just another client, and there’s an abundance of experts in the field.

Have no experience with Bunq, but I’d be happy to start with the very basics of account management. There’s already an API in place the ability of third parties to build custom Revolut clients with modern stacks based on React or Angular is demonstrated by the projects open sourced on github. Once you have an API in place, yes it’s still a lot of work to provide a performant client, but it’s not A LOT OF WORK. Revolut has been successful so far with the Business branch and porting features to the mobile platform as soon as possible. I don’t see the STRUGGLE (but I’m not saying it’s not challenging either).

“Software ate the world, the web ate software, and JavaScript ate the web.” Everything that can be developed in JS eventually will.

It may be. But I don’t get the need for a native desktop client, considering we are talking about a network-heavy application. There would little speed benefit if any. And it would be kind of expensive to maintain a performant app for each platform, unless you go Java, but that’s not native anyway.

Again, I appreciated the contribution, it’s good food for thoughts :slightly_smiling_face:

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Those are all valid points, and none of the points I made were about convincing anybody that they shouldn’t offer web banking, or that those “problems” can’t be solved. My guess is, their decision to not offer it already, is mainly a business decision. I am relatively sure they evaluated this more than once, and decided to prioritize something else. To invest in something else instead. And the points I made were just some of the points I came up with that could have been relevant.

I wasn’t suggesting that. With “sort of”, I was referring to the difference between a MVP (like N26) or a more comprehensive (web) application.

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Frankly I would be happy to pay more to get the web app!

Sorry to hijack this thread but I CANNOT find how to start a topic of my own - just trying to find out what kind of protection Revolut’s crypto has if they go bankrupt? Thanks.

So Revolut has either to decide what target group they put first or allocate their resources to satisfy both needs I suppose. In the end a web app seems to most people without a development-background like a trivial essential though and since there are not only two dudes demanding one, it probably would be a good move of Revolut to announce if they are working on something or dont intend to do anything about it.
I demand an answer if my needs will be satisfied! If yes I will kick Transferwise out the door and put up more funds on Revolut, but if not (as most dudes in a relationship) I will keep cheating on Revolut and constantly get down good on Transferwise! :wink:

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I agree, it is necessary the web portal!!
All banks, like Revolut, have one!!

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Just wanna add my 2c: I also think a web app would be super nice to see. And to the people that said here that a web app is “old school” and “anti-disruptive”: I vehemently disagree, in fact, I’d say having a web app is the complete opposite of old-school. Services these days are more and more expected to be ubiquitous and not bound to a single device type. In fact, probably the most modern approach I can think of is having ONLY a web app and running it on all platforms, including mobile. Different form factors come with different strengths, and especially for banking there’s quite a lot of use-cases that would be more effective & comfortable to carry out on a big screen.

I use both N26 and Revolut, and while I generally much prefer Revolut’s UI, features, and general vibe, the N26 web app is extremely useful and convenient to have, especially when needing to grab PDF statements, managing standing orders or just for checking your balance real quick while sitting at your desk.

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+1. I seriously dislike doing sophisticated or serious tasks using my phone. Money transactions are exactly that.

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Even if it was true, wouldn’t losing your phone worry you a little?
Maybe you never lose your phone, what if it gets stolen?