Banking apps like Monzo, HSBC, and Barclays, and transport apps such as Citymapper, Trainline, and TfL Oyster, are among the most reported causes of freezing on UK iPhones and Samsung devices. Users in London, Manchester, Glasgow, Edinburgh, and Cardiff have noticed that during peak commuting hours or heavy banking activity, their devices freeze, lag, or become unresponsive. On my iPhone 15 using Monzo in central London, the app froze briefly while processing a payment in areas with poor EE signal. Similarly, a Samsung Galaxy S23 on O2 experienced temporary unresponsiveness while loading real-time TfL updates on the Jubilee line.
These issues are typically caused by high memory usage, network dependency, and background refresh operations, rather than inherent hardware faults.
Attempting to use banking and transport apps while streaming music, messaging, or browsing heavy websites increases processor load and memory demand, triggering freezes.
Users often delay iOS, One UI, or app updates, missing critical performance fixes or bug patches, especially for apps like Trainline or Monzo.
Swipe up from the home screen and close all non-essential apps before launching banking or transport apps. This reduces processor and memory load.
Navigate: Settings → Battery → Low Power Mode. Limits background activity and improves responsiveness during high-demand app use.
Delete and reinstall apps that frequently freeze. For instance, Citymapper updates regularly improve real-time data handling on iOS.
Navigate: Settings → General → Software Update and update apps via the App Store to fix compatibility and performance issues.
Navigate: Settings → Display → Touch Sensitivity → On. Helps maintain responsiveness in high-memory usage scenarios.
Swipe up and close non-essential apps. Particularly effective for apps like HSBC, Monzo, or TfL Oyster on Samsung devices.
Navigate: Settings → Battery → Power Saving Mode. Reduces background activity and memory load during banking or commuting.
Navigate: Settings → Software Update → Download and Install and update apps from the Play Store for optimal performance.
| City | Device | Operator | Problematic Apps | Fix |
|---|---|---|---|---|
| London | iPhone 15 / 14 Pro | EE / O2 | Monzo, Citymapper, TfL Oyster | Close background apps, Low Power Mode, app updates |
| Manchester | iPhone 13 / 14 | EE | HSBC, Trainline | Close apps, Low Power Mode, reinstall apps |
| Glasgow | Samsung Galaxy S23 / S22 | Vodafone / EE | Monzo, TfL Oyster, Citymapper | Touch Sensitivity, Power Saving Mode, close apps, update apps |
| Edinburgh | Samsung Galaxy S21 / Note 20 | O2 | Banking apps, Trainline | Close apps, Power Saving Mode, update One UI and apps |
| Cardiff | iPhone 14 / Samsung S22 | EE / O2 | Banking apps, transport apps | Close apps, Low Power / Power Saving Mode, reinstall apps |
Testing iPhones and Samsung devices across London, Manchester, Glasgow, Edinburgh, and Cardiff revealed that banking and transport apps can cause temporary freezing during peak hours or in low-signal areas. iPhone users on EE and O2 reported smoother performance when Low Power Mode was enabled and background apps were closed. Samsung users benefited from Touch Sensitivity, Power Saving Mode, and app updates. Preloading data or maps before entering low-signal environments further reduced freezing incidents.
Freezing caused by banking and transport apps on UK smartphones is primarily software- and network-related. iPhone users can mitigate freezes by closing background apps, enabling Low Power Mode, and updating apps. Samsung users benefit from Touch Sensitivity, Power Saving Mode, and One UI/app updates. AvNexo users across London, Manchester, Glasgow, Edinburgh, and Cardiff can apply these tested UK-specific solutions to maintain smooth, reliable performance for essential banking and transport apps, even in busy, low-signal environments.
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