Recommendations for simple online banking account please?

Donegal_Paul

Hi all, Im looking for a new basic bank account that allows online banking and is simple to use.

My definition of simple is something straight forward for logging into and something NOT requiring one of those stupid card reader things.

ie Im currently with nationwide and to login I need to enter

customer number
then
memorable word
then
3 random digits from my 6 digit passcode

Now all this I can live with, however if i want to set up a transaction I then need to confirm with the answer to one of five security questions which were set up 2 years ago and now are in the nether regions of my brain.

Well, all except one of them, which is the same one it has asked for the last year until today when it randomly decided to ask one of the others!

Frankly if someone got that far already ie past the previous layers of security then Im already in trouble.

So, anyone know anyone that might fit the bill?

worried_jim

Try a Lloyds account. When paying a new customer it calls you on either your mobile or land line and asks for a four digit number displayed on your screen. Very easy to use.

Donegal_Paul

now that I can live with, better than me having to remember a load of random passwords :-/

Noticed that the halifax do this too, but they also do a £125 switching service :-) Might be the one to go for if there's no other suggestions.

Hellzapoppin

TSB have the same internet banking set up as Lloyds and they pay 5% interest on credit balance up to £2000.

thebritishbloke

Any part of the Bank of Scotland is pretty good for this, that includes BoS, Halifax, TSB, Lloyds.

Dobbibill

I was going to say........exactly the same as all the above :rotfl:

good luck

Donegal_Paul

cheers guys, I'll do a little bit more research today into halifax/ lloyds i think.

kowalski2

Donegal_Paul wrote: »

Hi all, Im looking for a new basic bank account that allows online banking and is simple to use.

My definition of simple is something straight forward for logging into and something NOT requiring one of those stupid card reader things.

ie Im currently with nationwide and to login I need to enter

customer number
then
memorable word
then
3 random digits from my 6 digit passcode

Now all this I can live with, however if i want to set up a transaction I then need to confirm with the answer to one of five security questions which were set up 2 years ago and now are in the nether regions of my brain.

Well, all except one of them, which is the same one it has asked for the last year until today when it randomly decided to ask one of the others!

Frankly if someone got that far already ie past the previous layers of security then Im already in trouble.

So, anyone know anyone that might fit the bill?

I'd recommend a password manager for your browser - something like LastPass or 1Password.

When banks ask for security questions (eg. "town you were born?") you can type 32 digit nonsense and store it in the password manager - much safer than something that a determined hacker could find out about you via Google/Facebook searching