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

System

There are 3 basic types of authentication that are non-mobile friendly:

• A chip reader for the debit card.
• A phone call to a landline.
• A small PIN device.

All banks except Tesco and Santander use one of the above AFAIK

Vortigern

matthewfelgate wrote: »

I don't have a mobile phone to send and receive SMS messages...

You could buy a mobile phone for less than £10 on PAYG and use it solely for online banking.

jonesMUFCforever

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?

Lloyds give you the option of ringing your landline number to register new payments.

Zanderman

Anthorn wrote: »

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.

What ApplePay hysteria?

It's just an alternative payment system. All the other systems are still there too - and they're not going to replaced by ApplePay. Why would they be?

No-one has to use it if they don't want to.

matthewfelgate

PS I don't have a landline either.

jayII

matthewfelgate wrote: »

PS I don't have a landline either.

Then chip and pin device log-ins are probably your only option. I should think all banks use some sort of security these days. Try HSBC, Nationwide, or any other bank that uses this system.

Tesco is difficult because it needs to recognise your log-in device and is (in my experience) very glitchy. You need to either have a mobile or call their very unhelpful customer service and wait several days for a code through the post, to reset your account when it decides your laptop or whatever is ''unrecognised''.

Archi_Bald

It's a while since I opened new current accounts but I seem to remember that at least one phone number is a mandatory piece of information on any application form for a current account.

Archi_Bald

jayII wrote: »

Tesco is difficult because it needs to recognise your log-in device and is (in my experience) very glitchy. You need to either have a mobile or call their very unhelpful customer service and wait several days for a code through the post, to reset your account when it decides your laptop or whatever is ''unrecognised''.

To avoid the problem you describe, there is one particular cookie that you have to make sure you keep at all times - login.myproducts.tescobank.com.

If you use (the free version of) ccleaner to manage your browser history and cookies, it is straight forward to keep a given cookie.

DragonQ

Lloyds/TSB/Halifax/Bank of Scotland use the same online banking interface (skinned appropriately to each bank of course). No card readers needed but they do call you to confirm new payees etc. If you don't have any form of phone, not only are you weird but you cannot use these banks.

As Sea Shell alluded to above, Nationwide is the only bank I can think of right now that doesn't require a phone at all, just their card reader.

jayII

Archi_Bald wrote: »

To avoid the problem you describe, there is one particular cookie that you have to make sure you keep at all times - login.myproducts.tescobank.com.

If you use (the free version of) ccleaner to manage your browser history and cookies, it is straight forward to keep a given cookie.

Thanks, that's helpful to know if I ever want to use them in future.

Last time around, I gave up and closed the account. The log in issues, combined with the rudeness of some of their CS staff meant Tesco just wasn't worth the hassle to me.