Certo one mastercard is out!
Did you read the last 6 posts? 
2 Likes
Yes but long time ago. I did not remember. Sorry, shame on me.
I suppose anything having to do with the credit card needs to be done with the Cembra app, and not within the WIR ebanking app?
The Cembra app has really been getting on my nerves the last few months with its notification spam, always trying to sell me their insurances or other things I never signed up for to be harassed with.
Using notifications for marketing messages without the ability to turn those messages off violates the rules of Apple’s App Store. I reported the app with Apple, but of course they didn’t do squat about it.
2 Likes
I’ve been using WIR for a couple of weeks now. Still a little bit taken aback by the UI. I can’t even find a way to switch to French or Italian in the mobile app 
Following the topic as well regarding the Cembra card. If everything is integrsted in the WIR app, it could be a huge step up for me.
When you open the app, BEFORE loging in with password or finger print etc…, you press on parameters down the screen then you will find some guide on how to change the language.
And yes, the UI is really bad. Still..
2 Likes
It will default to German if your system language is English and you can’t change that. If system language is French then it change to French.
In iOS, you can change the language of an app in the Settings app. There are apps that ignore that setting though.
1 Like
In his review of WIR Bank Package Top, The Poor Swiss mentions:
the client fully waives the protection of banking secrecy. These conditions are for all WIR Bank products, not only WIR Bank Top.
Does that mean they sell your data to keep the product “free”?
Further down, the Poor Swiss writes:
This likely comes from the fact that WIR Bank also has its own currency that is used as means of exchange between companies.
No selling of data according to this report. I have not read the T&C document myself.
1 Like
The Terms and Conditions explain what the data is used for, see “A.1.” (page 3):
Does the bank really have to waive banking secrecy for that? I have no idea 
.
Maybe laziness, since this way the outsourcing partners have to meet fewer certification requirements (e.g., FINMA-certified data center, etc.). But that’s just a wild guess.
2 Likes
Interesting aspect. I wonder how other banks handle this topic. My guess would be that, though not as explicit, you give up your secrecy rights in some form or another in most banks nowadays. Wasn’t there a story about UBS many years ago with their Indian processing center?
Same for Raiffeisen:
Der Kunde entbindet die Bank von ihrer Geheimhaltungspflicht, soweit:
a) dies zur Wahrung berechtigter Interessen der Bank nötig ist (..)
b) dies zur Durchführung von Aufträgen und Dienstleistungen (..) nötig ist (..)
c) .. f)
It find it strange when something is defined as a legal requirement by law, but that requirement can then be waived by contract. It doesn’t seem to be uncommon, though. And it doesn’t just happen in the banking sector. The same goes for the warranty, which for example Digitec Galaxus excludes in its terms and conditions (at least that’s how it used to be).
2 Likes
I would not worry too much about this. There are different components to “banking secrecy”. Swiss Banking secrecy in laymans terms defined that if you use data from, or on, a bank’s customer to generate a profit - that this was a criminal offence. Criminal offences can not just be waived with a waiver, it doesn’t really matter what the Bank and its customer agrred (or not?) somewhere hidden in T&CS.
The other aspect is the data protection and confidentiality side. Meaning that the Bank was not allowed to share any Personal data with any third party; unless the third party only provided capacity / resources that the Bank then orchestrated to provide the respective services. Meaning: if the Bank shares data with a service provider that then does something on its own (even as instructed by the Bank) and thereby accesses data related to yourself, the Bank must not do so. UNLESS the Bank had a valid waiver where you explicitly agree to such processing. The only exception is if the Bank shares its data with employees of a third party that work under direct management and oversight by the Bank (aka Contractors or Managed Capacity of Contractors).
So what does this boil down to: Don’t worry that any of your data would be used for commercial purposes as this was a criminal offence. However, do worry about the fact that (even though your data was not used for any purpose as such) your data gets spread and shared across the world. Which then increases the risk that someone else stole that data and then used it for illegal purposes. But to be honest, this is by now the case with each and every Bank and the only genuine difference is the level how proactively the Bank informs you on such.
Plus: Its to be proofen if any such waivers somewhere deep inside T&C were actually enforceable aka valid. I heavily doubt it. Plus: Its a matter of time until somewhen a bank’s service provider incurs a data leak (on data shared with such T&C) and the leaked data was then used for extortion, phishing, whatever… this will become extremely interesting given we still talked about a criminal offence here and i wouldn’t want to be an inhouse general council at a Bank if something like this happens.
1 Like
yes. raiffeisen app ignores it. and they won’t budge
Yes, had to install French as a secondary language on my phone to be able to change the language app. Before that, the option was not available.