Update is a game-changer! The interface is so clean and user-friendly. But you know what I really love? How they updated the logo with the rainbow pride flag for this month. Such a cool move showing their support for the LGBTQ+ community. It's refreshing to see a big name bank getting behind inclusivity like that. I love businesses that walk the walk when it comes to progressive values. Simple gestures like a rainbow logo go a long way in making folks feel seen and celebrated. Mad respect to SC for doing their part.

I only had a SC credit card recently and AFTER I logged in, the app asked me to open a bank account as well. The app told me that I can only skip this for three times so I ended up following the instructions to open an account but eventually it didn’t tell me whether the account opening was successful or not. It appeared that the process did not complete. I tried twice but still failed and then the app no longer prompted the message to ask me to open a bank account. I had to call the customer service to check if I had opened an account (which I failed). The customer service directed me to open an account BEFORE I login in (which was a different process that I experienced). It wasted me so much time and caused me confusion. If the account opening function AFTER logging in is not working, please fix it or just remove it altogether.

I use “unfortunate” instead of “unfriendly” because it simply doesn’t consider user experience at all so there is no friendliness to speak of. This came from some of my years using the app:- accounts disappeared after phone change and app reinstalled. It will just show the account you used to reinstall app, all other accounts must be added back (no, not all banks do that, HxBC does it seamlessly)- ID card capture is a joke (again, if above has been fixed we will not have this request). Please ask your testing team to try before release. I doubt any normal human beings can get it done in 30 mins for front and back scans of the ID card.- advertisements before login page. Yes, forced advertisement every time before you can login. Bank: this is genius! Customers: if so, let’s cut out your relationship manager?- if pre-login advertisement page down, you can even go on to login.- “continue” button placed at the edge of app browser and my iPhone 14, 15 both face the problem of no response.- transfer amount input looks like it’s for web (but I see it in my app), which requires a lot of tapping to trigger the amount input.Dare I say more? Yes, your banking app is severely lagging behinds your peers. Up your game or out!

I chose this bank because they offered some banking perks which suit me. If I had chosen bank in Hong Kong by banking app I would have gone to the competition. For me this is the worst banking app. A few examples:- after every - yes, every - single logout the app will ask you to rate. You rate and guess what happens next time you log out: rate again! So it’s faster to just close the app before logging in again- app update: you realise an app update is available when you cannot log into your banking app. Is it too expensive to do like other banks and have a little pop up window saying that your app requires updating?- transfers and payments to your credit card don’t show up immediately despite being banking hours. Competition does a better job and shows actual balances immediately