I’ll admit this will turn into a rant. I moved to KBC current account but after less than one month of using it, I can’t stand it any more and I am in the process of moving fully to N26. I’m not sure why, but in my head KBC was a newish bank compared to the ‘older’ AIB, BOI, Ulster Bank etc and therefore would have more modern and user friendly online banking facilities. However, I’ve found their online banking close to unbearable. Most of the issues are very small but they do quickly add up. It could just be me and everyone else loves their online banking.
Logging in is an ordeal
With both my AIB and BOI current accounts I enter in my registration number and then for AIB I am asked for 3 out of 6 digits from my personal access code. BOI will ask for my date of birth and then 3 out of the 6 digits from my personal access code. Logging into either of these online banking accounts takes less than 10 seconds. KBC on the other hand require you to use a digital key to log in. I understand this is to increase account security but the implementation of it is very poor.