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Cannot access Tesco Finance online
Comments
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While I'd rate Natwest's online banking below most other banks
Really, why so? For me, it always works, instantly reflects changes to your balance due to faster payments transactions etc., allows you to set-up and edit payees and standing orders easily and intuitively, executes faster payments immediately no matter the time of day or day of the week, and is laid out in a clear, concise manner. What's not to like? And/or, who's better?0 -
What's not to like for me is that your customer number is based on your date of birth and therefore not difficult to obtain, and that it is possible to lock anyone out of their account using only that customer number, just by incorrectly guessing the other details three times. I have experienced this - presumably somebody who shares by DOB got the last digits of their customer ID wrong and locked me out of my account. I then got accused of being careless with my security details and needless to say some things needed to be pointed out to Natwest in very plain terms...Really, why so? For me, it always works, instantly reflects changes to your balance due to faster payments transactions etc., allows you to set-up and edit payees and standing orders easily and intuitively, executes faster payments immediately no matter the time of day or day of the week, and is laid out in a clear, concise manner. What's not to like? And/or, who's better?
Furthermore, Natwest use the discredited debit card generated authentication codes when setting up new payments. These are both inconvenient and of questionable value.
To answer the who's better question, First Direct, who allow you to select your own username with no apparent restrictions (and also satisfy all of the other benefits you mention). At the end of the day, security comes before any other consideration for me when online banking and Natwest just doesn't meet my expectations.0 -
What's not to like for me is that your customer number is based on your date of birth and therefore not difficult to obtain, and that it is possible to lock anyone out of their account using only that customer number, just by incorrectly guessing the other details three times. I have experienced this - presumably somebody who shares by DOB got the last digits of their customer ID wrong and locked me out of my account.
Ah yes, that is not clever!Furthermore, Natwest use the discredited debit card generated authentication codes when setting up new payments. These are both inconvenient and of questionable value.
Discredited? First Direct use... nothing. I quite like Lloyds' phone-based authentication system.To answer the who's better question, First Direct, who allow you to select your own username with no apparent restrictions (and also satisfy all of the other benefits you mention).
They most certainly do not satisfy the other benefits I mention.
Once you've created a payee, you cannot edit it!
You can only "half" setup standing orders online - what actually happens is that you fill in the details and then those details go off and are re-typed into a different system by their staff. Then, to top it off the standing order won't show up until the day of the first payment; so make sure you get the account details right when you enter them the first time!
I've also frequently been unable to log in, although recently this has improved.0 -
Sorry, what? How are they discredited?
Some Cambridge researchers wrote a paper about the flaws of card readers. You can read it here. BBC clip on it here.
The scariest proposition is that one of these flaws are exploited and you're held liable for it in the future:
"While the Banking Code does state that the bank must show that the customer is liable, it does not say what evidence the bank must record, what evidence is sufficient to prove liability, and who the proof must be presented to. In practice, where the case is heard by the Financial Ombudsman Service, the bank merely has to claim that a chip was read and a PIN was used, and the evidence used to reach this conclusion will be kept secret from the customer. We may expect a similar position to be taken when PINs are used for online banking."
More details here.0 -
I know that Tesco now has it's own banking licence, but I still get -No, that's not the case. The site was built when Tesco Finance was a joint venture with RBS/Natwest, but RBS doesn't have anything to do with it any more.
"You are connected to tescofinance.com which is run by The Royal Bank of Scotland Group Plc Edinburgh Lothian, GB"".....where it is corrupt, purge it....."0 -
As atypical has pointed out above, it can be more dangerous to have ineffective security than none at all. The banks seem to be of the position that card-based security is infallible, so if flaws do get exploited you can end up in a situation where the finger is being pointed at you and nothing you can say will convince them otherwise.Discredited? First Direct use... nothing. I quite like Lloyds' phone-based authentication system.
I actually had to log in to check some of these things out because, despite using FD as my main account for 3 months, I wasn't aware of these shortcomings. I'll have to defer to your knowledge of the standing orders - I only have one and it was switched to FD when I opened the account, but the other point about managing payees could be very annoying for me in future as I tend to open and close bank accounts at a fair rate.They most certainly do not satisfy the other benefits I mention.
Once you've created a payee, you cannot edit it!
You can only "half" setup standing orders online - what actually happens is that you fill in the details and then those details go off and are re-typed into a different system by their staff. Then, to top it off the standing order won't show up until the day of the first payment; so make sure you get the account details right when you enter them the first time!
I've also frequently been unable to log in, although recently this has improved.
If only the situation with faster payments was different, I'd be able to sing the praises of an alternative bank, but after what you've pointed out about FD, I think every bank has at least one significant caveat.0 -
I know that Tesco now has it's own banking licence, but I still get -
"You are connected to tescofinance.com which is run by The Royal Bank of Scotland Group Plc Edinburgh Lothian, GB"
I believe that's because they bought their Extended Validation Certificate before parting company with RBS and they're too cheap to get another.
Tesco bought-out the RBS share in the joint venture in mid 2008. (see here, here or here, the first few relevant hits from googling "tesco finance rbs")0 -
What effect is this going to have on all other websites I visit, with my now 3.6.3 version of Firefox? I'm not clear what you're doing if you make this change. :eek:enter about:config in the URL
yes to the warning
go down to general.useragent.extra.firefox
right click and modify
change Firefox/3.6.x to Firefox/3.5.80 -
IsaCream_Man wrote: »What effect is this going to have on all other websites I visit, with my now 3.6.3 version of Firefox? I'm not clear what you're doing if you make this change. :eek:
It makes the website you are visiting think you are using Firefox 3.5.8.0
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