[IshKebab]

It's not actually the interface that's the problem. It's the flow.

* you have to answer dumb security questions constantly

* you pay money in (a lot of money) by direct bank transfer with a long reference code. If you get it wrong I imagine the money is just gone. Not very reliable.

* you have to "set up a new payment" every single month because it's designed under the assumption that your bill is identical every month and it never is

Actually there is one really annoying interface thing - when you set up a one-off payment it suggests a date that is one month from now, instead of one day from now which is what you want. All it needs is a "tomorrow" button. I've missed payments several times because of this.

Oh and it tells you you can't set up a payment for today after you've submitted everything instead of on the date selector.