It's a bank that only lives on the internet. I am actually surprisingly happy with them as my only bank.
Having been a customer of Charles Schwab for several years at this point, I've never seen the appeal of Simple. I get better interest rates, fantastic customer service, unlimited ATM rebates and a host of brokerage services, all for free.
The only issue with Schwab is their ridiculous password policy (8 chars). Turning on 2FA on your account is a must with them (they'll happily send you a little hardware token generating dongle if you ask.)
This is the first of Google's product cancellations that will affect me personally. My wife and I have been using Google Wallet cards for budgeting - we transfer our spending money to the cards each week to help track our spending. Honestly there's no reason Google Wallet was superior for this - I expect Simple will solve our problems better anyway. Should have seen this coming when they split it off of Android Pay.
Same here. It's more an annoyance and a function of my laziness but inconvenient nonetheless.
I rarely need to get cash out of a machine but when I do, I transfer some cash to my Wallet Card and hit the ATM. Thankfully all I really need to do is spend a lunch hour heading over to my credit union to get a plastic card but the Wallet Card was much more convenient and allowed me to grab the funds from various accounts.
I have a Simple account as well but stopped using it when I needed a new card and couldn't prove I'd moved since they wanted a few (printed) bills with my new address but unfortunately none of these are in my name so I couldn't fulfill their request. Maybe it's time to revisit that situation and try to work something out again.
This is the first of Google's product cancellations that will affect me personally. My wife and I have been using Google Wallet cards for budgeting - we transfer our spending money to the cards each week to help track our spending. Honestly there's no reason Google Wallet was superior for this - I expect Simple will solve our problems better anyway. Should have seen this coming when they split it off of Android Pay.
No joint accounts with Simple, so it's cumbersome to share a card.
True. My wife and I each have a separate Simple account, and we've never had separate checking accounts before. That would have been a problem except for the fact that Simple provides instant transfers to other simple accounts. So my wife manages roughly half of our budget and I manage the other half, and if we ever need to move money across accounts, we can do it instantly.
This is the first of Google's product cancellations that will affect me personally. My wife and I have been using Google Wallet cards for budgeting - we transfer our spending money to the cards each week to help track our spending. Honestly there's no reason Google Wallet was superior for this - I expect Simple will solve our problems better anyway. Should have seen this coming when they split it off of Android Pay.
+1 for Simple!
It took some getting used to, but I've really liked using Simple. I can now very easily always answer the following question: "how much money can I spend right now?"
The Wallet Card was invented for places that don't take Android Pay, to pay in the form of a regular credit/debit card. Unfortunately, this is useless because it is the same level of (in)convenience as a credit card, and doesn't offer the 2-5% cashback that all the other cards I have do. Even if a store accepted NFC-based Android Pay, I'd probably still opt to pull out my plastic card for the cashback and consumer pr…
Where are you getting 5% cash back? Highest I've seen is Chase Sapphire with their points which are worth 2-3%. Highest straight cash back I've seen is Citi DoubleCash at 2%.
I have a discontinued Barclaycard that gets me 5% for gas, groceries (including Walmart and Target), and bookstores (including anything at Amazon, even AWS and digital downloads). There are caps, but I almost always spend below (have hit the grocery one a couple of times).
That just seems like bad design on their part. In the past, Google leaned towards open source by default, and then kept just some of the secret sauce to their services proprietary, now it seems that their proprietary services is the bulk of what they produce. Perhaps they need to unbundle. Google Wave works great today on self-hosted platforms.
I've heard from people inside that the quality of their codebase has gone down, and thus they can no longer just upload stuff without a refactoring.
All codebases are horrible after some years- that is the result of "please invest not time into this done project"- hotbugfixes piling to spots where they don't belong.
The existence of this architecture corrosion is not something to be ashamed off.
And everyone who reads in, can do so while refactoring those "if (input(isExoticEdgeCase)){...}" into some Filterclass of there own.
My assumption is, that often management is in fear of being proven wrong, by some project coming alive.
"This Project is not profitable, lets open source it." is a statement that can haunt you, if that very project comes alive and walks the earth for years to come.
Coders and management united in fear of public embarrassment.