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Abb OTP system for online banking
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muggleby
Posts: 4 Newbie
I live in a mobile coverage blackspot and Abbey's new system of only allowing you to use online banking with a code sent by SMS message is unworkable for me - I would have to drive 2 miles up the road to get a signal on any network (and we have tried them all and spent a fortune in useless sims and phones) by which time I would have been logged out of their system, for inactivity and so would have to start again.
My alternatives appear to be to move to another bank or do my banking at the local library which is not exactly secure but has internet and mobile in same place.
I am not thrilled at doing telephone banking (largely because I have no record of the transaction and am at the mercy of the off shore call centre) and am very happy with my online banking - surely I cannot be alone in having this problem.
I am a single parent that works with a seriously disabled young child so going into the not so near branch is an utter nightmare which was their other suggestion.
My alternatives appear to be to move to another bank or do my banking at the local library which is not exactly secure but has internet and mobile in same place.
I am not thrilled at doing telephone banking (largely because I have no record of the transaction and am at the mercy of the off shore call centre) and am very happy with my online banking - surely I cannot be alone in having this problem.
I am a single parent that works with a seriously disabled young child so going into the not so near branch is an utter nightmare which was their other suggestion.
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Comments
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Assuming you have a BT landline and you are not using dialup for your internet connection. You could use the BT Text service and get the abbey texts sent to your home phone number.
http://www.productsandservices.bt.com/consumerProducts/displayTopic.do?topicId=25504#tab1
You will need a compatible phone such as this:-
http://www.shop.bt.com/products/bt-synergy-5500-single-cordless-phone-5FJC.html?q=BT%20Synergy%205500%20Single%20Cordless%20Phone0 -
Will not work as Abbey will only accept a mobile phone number to be registered. Also means that if you use the landline which of course we have to have you can only then do online banking at home which admittedly is where I do most of my banking but not exclusively. I just don't think that Abbey have thought this one through properly. I live in North Wales and vast parts of North Wales have poor or no coverage even if as in my case the coverage maps from my mobile company says I have standard coverage.0
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I am in exactly the same position in North East Scotland. I phoned Abbey this afternoon and found them extemely unhelpful suggesting I try another mobile provider!! I have submitted a complaint and am waiting for someone to contact me back. It looks like after 20+ years with the Abbey its time for a move. Why dont they just use the card readers like RBS or Nationwide.Official DFW nerd 206 Proud to be dealing with my debt
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Is the system optional? I've not heard a thing from Abbey about it0
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I am also going to find this a serious limitation to use of Abbey online banking. I do have a mobile and fortunately can receive a signal at home - but not at work (I live in West Wales, another mobile blackspot); when visiting family in rural Kent, Suffolk and Devon; or at many of the hotel/conference centres in England where I have meetings. In all these places I can get Internet access but no mobile coverage. And I'm concerned about the potential cost of receiving SMS messages while working abroad.
It seems to me that Abbey have chosen to save money by going down this route rather than issuing the convenient lightweight card-readers that other banks provide for security verification. In the process they have partly or entirely disenfranchised many of their internet banking customers, particularly those living or working in non-urban areas.0 -
convenient lightweight card-readers that other banks provide
To be honest, i'd rather type a code in from a text than have to carry yet another thing around with me.
Another issue with card machines is you have to have that bank's card with you, and i'm more likely to have my mobile than some of my cards!0 -
It seems to me that Abbey have chosen to save money by going down this route rather than issuing the convenient lightweight card-readers that other banks provide for security verification. In the process they have partly or entirely disenfranchised many of their internet banking customers, particularly those living or working in non-urban areas.
:rotfl: Convenient! Have you read all the complaints that folk have on here about 'card readers' being introduces- some folk have changed banks on it!
The mobile phone is IMHO a neater solution- if I am at work or away on a trip I'll have a mobile- I don't carry a pocket calculator size card reader around!
Granted there are some who don't get a mobile signal- perhaps they need to look at that, but I'm surprised if there are many folk that still get no signal.0 -
I think Barclays' solution is very good - they have a card reader used for signing in and certain online functions, but if you are going to be away from your debt card / card reader you can set up a temporary passphrase to use instead.
This allows you to log in without your card or card reader or phone or anything else, to view balances, move money between your accounts, and make payments only to pre-established recipients or bill payments.
I like this a lot, you get the security of a card reader for things that need it like payments to new third parties, and the convenience of just a password when you need it
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flyingscotno1 wrote: »:rotfl: Convenient! Have you read all the complaints that folk have on here about 'card readers' being introduces- some folk have changed banks on it!
The mobile phone is IMHO a neater solution- if I am at work or away on a trip I'll have a mobile- I don't carry a pocket calculator size card reader around!
Granted there are some who don't get a mobile signal- perhaps they need to look at that, but I'm surprised if there are many folk that still get no signal.
There is a significant number who have no mobile coverage or no mobile.
The vast majority can use a card reader if they can be bothered.
I have been in many places where I have internet access but no mobile comms either because there is no coverage or no roaming agreement.0
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