What's the best online banking if I don't have a mobile?

matthewfelgate

I don't have a mobile phone to send and receive SMS messages, which online banking can I use?

I had/have Santander but they text me a code every time I want to transfer monies...

Edit: also is there a bank that doesn't use one of those stupid pin things? Tesco maybe?

Edit: I don't have a landline either.

Archi_Bald

Only account I know of that can't be properly operated without a mobile is the Santander 123.

glentoran99

You don't need a mobile phone for online banking? What makes you think you do?

Archi_Bald

glentoran99 wrote: »

You don't need a mobile phone for online banking? What makes you think you do?

Santander 123 needs a mobile for sending the codes you need to set up new payees

Anthorn

More to the point, what if you don't have an iPhone? Well, with banks and building societies such as Nationwide moving heavily into ApplePay anything else will be pretty much useless. I don't have Apple anything apart from Red Delicious in my fridge. Personally, I'm waiting for the ApplePay hysteria to subside and then I'll decide which bank I want to switch to.

Archi_Bald

ApplePay is optional. Setting up new payees isn't.

Dird

Only viewed Lloyds & TSB so far. They're identical & I like them

jayII

Lloyds, TSB, Halifax, HSBC and Nationwide don't require you to have a mobile. There will be more but those are the ones I've used recently.

HSBC and Nationwide send you a PIN gadget and the others call a phone for you to input a code (you can use a landline phone).

Sea_Shell

I may be wrong (and i'm sure someone will confirm) but our Nationwide accounts just need the card reader and pin to set up and amend payments, move money etc. I don't remember them texting.

jayII

Sea_Shell wrote: »

I may be wrong (and i'm sure someone will confirm) but our Nationwide accounts just need the card reader and pin to set up and amend payments, move money etc. I don't remember them texting.

You're not wrong. HSBC has a similar system but theirs is a key-fob sized code generating device (you don't need your bank card to use it).

There may be other banks with similar systems.

MarkFromCornwall

matthewfelgate wrote: »

I don't have a mobile phone to send and receive SMS messages, which online banking can I use?

I had/have Santander but they text me a code every time I want to transfer monies...

Edit: also is there a bank that doesn't use one of those stupid pin things? Tesco maybe?

For your needs, perhaps avoid Tesco. Their online system requires that they recognise your computer. If they don't recognise it (which could be because you have changed your computer but it could just be because some obscure cookie has been deleted) then you will need a mobile phone to receive a code to fix the problem ... or have to talk to their customer services people who specialise in making mobile-phone-less people feel like they are a nuisance.

I think the Lloyds / TSB / Halifax / Bank of Scotland internet banking, which uses calls to your phone (landline is fine) when setting up payments, is the best balance between security and convenience.