I don't like card readers

ttaylor

I used to use santander which was easy to log into just with numbers. I decided to change to nationwide because it's a building society and like that idea better than a bank only out for profits.

However the nationwide requires me to use a card reader to get onto online banking, which I am finding a total pain.

So thinking of changing again and wondering which other banks definitely don't use these card readers? I'd rather just remember my ID numbers than have to carry this thing around!

rb10

You don't have to use a card reader with Nationwide!

On the right hand side of the log in page, just click on the big yellow box that says 'Log in with memorable data' - you then use one of your three memorable data items, plus three random digits from your passnumber.

If you don't know your memorable data and/or passnumber, then you can reset these with your cardreader.

You will occasionally need a cardreader when making transactions, especially if they are to a new payee. But it soon 'learns' your behaviour, and I hardly ever need to use mine now.

ColdIron

Personally I quite like card readers and the extra security they afford. Even if I didn't like them I'm not sure I would base my decision on whether to use an account or not on that alone

However the following banks use them so I guess anyone except these would fit your requirements

Barclays Bank
Ulster Bank
NatWest
Co-operative Bank and Smile
Royal Bank of Scotland
Nationwide
HSBC (non-CAP)

Gromitt

Another solution if you don't want to carry the card reader around but know you'll need internet banking access is to simply write down a few codes from your card reader before you go. Obviously less secure though than memorising a PIN (but they also need your customer id as well), and doesn't work to setup new transactions (the same as using memorable information).

But in some ways more secure, as you'll always be logging in with different information every time, so key grabbers on public PCs get a hard time.

zerog

rb10 wrote: »

You will occasionally need a cardreader when making transactions, especially if they are to a new payee. But it soon 'learns' your behaviour, and I hardly ever need to use mine now.

I transfer in £800 a month to keep the FlexAcount active, and then transfer it out soon affterwards to the same account each month, but I still need to use the card reader each time. (i.e if I log in without the card reader, it will make me use it to do the transaction, but if I log in with the card reader it won't)

You-kip

Barclays you don't need a Card Reader.

ColdIron

You-kip wrote: »

Barclays you don't need a Card Reader.

You do if you want to set up a payment to someone new by 'signing' it using their account number and the amount

http://www.barclays.co.uk/Helpsupport/UpgradetoPINsentry/P1242559314766

You-kip

ColdIron wrote: »

You do if you want to set up a payment to someone new by 'signing' it using their account number and the amount

http://www.barclays.co.uk/Helpsupport/UpgradetoPINsentry/P1242559314766

How many times do you think people set up payments to someone new.

I haven't used my Barclays card reader for months and transfer money in & out of my account and make payments to people on my payment lists etc.

elsien

Natwest do use a card reader, but I've only used it two or three times in the last couple of years when setting up new payments. The majority of my online transactions I just log in and carry on as normal.
I would guess that the majority of banks are the same.

pmduk

Gromitt wrote: »

Another solution if you don't want to carry the card reader around but know you'll need internet banking access is to simply write down a few codes from your card reader before you go.

Does this actually work? I understood the codes were time-related and wouldn't work unless used immediately?

ColdIron

pmduk wrote: »

Does this actually work? I understood the codes were time-related and wouldn't work unless used immediately?

Works just fine, they are not tied to date or time although they are sequenced. If you generate a list and skip one of them you can't go back and use it