Security settings causing bank to de-register my banking app on my phone

[Microft]

Hey everyone,

I upgraded my older Samsung to the new 1tb Samsung Galaxy S23 Ultra. I used Smart Switch to copy all of my apps and data across to the S23.

I set up my banking app (Halifax in the UK) and all seemed well. But after about 30 mins, if I reopen my banking app on my phone, I get a message that the app has been de-registered (by my bank) for security reasons. I can re-register the app, but again after a few minutes, it gets de-registered again.

I called my bank and they deregistered both devices, asked me to uninstall the app, reinstall it and register again. Then the support person noticed that the reason my phone keeps getting de-registered is due to a security setting or policy on my phone thats preventing my phone from working properly with my bank.

I use Adguard, and this never caused an issue with my older Samsung Galaxy (I had no issues at all) and the only other thing I can think of is that it could have been Device Care as this scns only when charging or when the screen is off. With Adguard and Device Protection disabled, I rebooted my phone, removed the banking app and reinstalled and re-registered it. But again, after 20-30 mins, the banking app was de-registered again. The only other problem I can think of is that when I used Smart Switch, something from my old phone, like a security certificate or some other setting/remnent was also transferred and is confusing my phone or the app.

I really rely on my banking app multiple times a day, and I'd like to find what else would be causing it. As a last resort, I'll do a facroty reset, which I shouldn't have to do with a new device.

So if anyone has had the same problem and resolved it, or has any other ideas what could be causing the issue or a setting I can desable, please let me know. I have seen a few other posts on here with different Samsung devices stating a December update broke something and still hasn't been fixed. I don't know though, as I didn't have an issue with my last phone, which I had for 2 years, without any problems. The latest security patch I have is 1st January and there are no updates when I check.

Thanks

Mike.

[Elva Meldal]

I am having the same problem with my new Samsung s24+. I can't even open the banks network site. I am so glad i googled and googled and stumbled onto this post. I followed same procedure as you did with smart switch. I can't see any other way than to reboot my phone and without smart switch.

[Microft]

A year on, after much research and contacting Samsung and my bank, I can confirm it's the fault of the bank for not keeping up with Samsung's security. The banks are slow to apply the updates provided by your phones manufacturer, in this case Samsung. It's nothing to do with Smart Switch as some suggested. If you contact your bank, they'll blame you, your phone, and anyone else but themselves. But a kind dev on the banks side informed me of the delays on the banks part. His term was lazy. You can still complain to them, and they will push the updates through eventually. But it will get fixed soon. I didn't upgrade to the S24, as there's no real difference from the S23. But I hope it clears up for you soon.

[Members_XW6TANk]

My rbs banking app also has started playing up since I let the Samsung thing deal with logins once logged into bank app if I click tab to transfer between my bank accounts in same bank it logs me out if I check account summery it logs me out anything I click rather than it take me to the page it should open I get the you have logged out

[Moby123]

This is 5th Nov 2024 Samsung s23Ultra Android version 14 One UI 6.1 and my metro bank (uk) mobile app has refused to work on my device due to some security configurations alteration (message pops up whenever i launch the app). All other apps are working but metro bank. 
Looks like bank is being lazy to push new security configurations to their app.

[Members_q6sSkVT]

I'm having a similar issue on my S23 Plus with the Lloyds Banking App. Asks me to sign in, and then says my account is suspended, customer support says it's cause my device is being flagged as "high risk". Asked me to update my phone from OneUi 6.1 (Android 14) to OneUi 7 (Android 15), didn't fix the issue at all. They asked me to factory reset my phone, I'd rather switch my bank account. Monzo app works fine.

Ironically, my cheap old chinese Realme phone (With the same apps) has no issues with Lloyds Bank.