• 168 Posts
  • 4.42K Comments
Joined 2 years ago
cake
Cake day: August 5th, 2023

help-circle
  • And I know nothing of GrapheneOS beyond that it’s also degoogled. The point being that it should require some magic or extra effort to get a banking application working on a degoogled phone. It should just work ™ But our banks are too dependent on Scroogle and crApple. They are basically saying “use US tech or you’re on your own”, which of course forces the majority to use US tech. It’s a sad state of affairs.

    My only hope is the European Payments Initiative which is introducing Wero as an alternative o MasterCard and VISA. Once those are up and running, hopefully they’ll tackle the other dependencies too.


  • Is it impossible for you to accept that we have different experiences? I called my bank after moving and they told me my bank account will be closed if when I formally change my address. Another bank told me I need to pay an extra fee for creating a bank account from abroad.

    And your suggestion to “just go there physically”… am I made of gold? You think I can just buy a plane ticket, fly across the continent just to create a bank account? Are you going to tell me to buy a second home close to the bank too?

    It’s like your argument is “well, it worked for me, so nobody else can have problems”. It’s like the child playing hide and seek, closing their eyes and thinking nobody can see them that hasn’t grasped the concept that other entities with different experiences exist. What are you? French?







  • I already have and am now more than a year into a process against a bank here with no end in sight. If I were to fight against all banks, it would take me a life time. There are many banks I have complained to but the most you can get most of the time is a tired “it’s for security”, “it’s for compliance”, “we do our best to serve our customers but we cannot serve the needs of everybody”, and so on. Believe me when I say, it’s far from “all” banks that follow the rule.

    Here’s an example from France “La Banque Postale

    Pour commencer, pouvez-vous nous confirmer que :

    • Vous êtes majeur capable • Vous êtes résident fiscal français sans obligation fiscale dans un autre pays

    which translate to

    To begin, could you please confirm that:

    • You are a legal adult with full capacity
    • You are a French tax resident with no tax obligations in another country"

    The next one in the search results was “Credit Agricole”. To open a bank account, you need to enter your postal code and it only accepts French post codes.

    Did the same with German banks, Spanish, even Slovak banks. If you’re outside of the country, chances are you cannot open a bank account. That’s the problem I have with being in the European Union and not in the European Federation or European Republic.




  • N26 requires Google spyware, Revolut too, and I think Wise too. Some banks will further cancel joint / shared bank accounts when one partner moves to another country (even temporarily). And some banks are mobile only, meaning that while they may work for some time without US tech, they may suddenly change their mind, not tell you, and you’ll find yourself locked out of your bank account or their payment methods.

    And whether things are illegal or not doesn’t matter too much unless you have money and resources to fight it. As an example, I had a lawyer friend who suddenly got a bill to pay for the previous tenant who hadn’t paid the internet bills for months. Of course it was unjust, but the telecom company still put a lean on his account. Despite being a lawyer, it took said friend about a year to fight it (and win). But remember, this was a lawyer. I would have to hire a lawyer, take the thing to court, and hope everything is compensated.

    If this were a reality where I could put my life on hold to fight stuff like this with state aid, there’s no doubt I’d do it, but in this reality? You’ve gotta pick your battles.



  • Anything that puts a layer between your skin and the sun and car exhaust, probably more helpful than harmful.

    That definitely isn’t true. Acid puts a layer between you and the sun and isn’t good for your skin. There are creams that dry your skin leading to cracks and death of certain healthy bacteria on your skin. The cracks can expose your body to fungi and dangerous bacteria. Things like mixing suncream and anti-mosquito spray can lead to serious rashes and skin irritation. Creams can also have a low SPF and damaging effects to the skin, giving you a false sense of security while destroying your skin even more.