Leaving First Direct Due to Two Factor Auth Fail (Secure Key) Who Is Better?

*Kat*

mcompton69 wrote: »

I persevered with First Direct after they moved to the card machine, then they finally saw sense and used a phone app, but the way they have implemented it is a total joke, it is hugely difficult, intensely frustrating, and this is coming from someone who has a number of Microsoft qualifications and has worked in IT for a decade!!!

I really feel sorry for the elderly or mentally impaired people who would normally have been able to benefit from the online facilities like everyone else, but who are now excluded.

The failure stems around having to repeatedly input the same password, despite being authenticated on the app, as well as coming up with new and confusing names for the new multiple passwords they have invented for this process.... I could go on but most people will not be interested!!!

So my questions are...

I am forced to having a Barclays joint account, and the Barclays App and TFA implementation is great I think. But there is no mention of Barclays on the list of current accounts on MSE - Why is this?

Are the Santander or TSB apps any good can anyone tell me? Specifically around sending payments?

Thanks for reading

I totally agree with you!! I asked about this a while ago because I was getting so frustrated with it!! It's crazy that they haven't updated their app alongside all the other banks. I have experience with RBS app and Capital One, Barclays and Santander (through family members) and NONE of them use the horrible method that FD use.

Unfortunately, I can't change my current account until November, but when it comes around I'll be switching after checking out their app first!!

colsten

*Kat* wrote: »

I have experience with RBS app and Capital One, Barclays and Santander (through family members) and NONE of them use the horrible method that FD use.

What is horrible about the FD method?

BTW, have you got a link for the Capital One current account?

EarthBoy

mcompton69 wrote: »

I persevered with First Direct after they moved to the card machine, then they finally saw sense and used a phone app,

FD don't have a card machine; they have a code generator device, and you don't put your card into it. They introduced the device and the app at the same time, it wasn't one before the other, so your statement doesn't make any sense.

mcompton69 wrote: »

Must be different for other bank accounts, but FD customers cannot transfer money without generating a code using the banking app, .

That's not true. I have transferred money to existing payees from FD without having to use the code generator device or the app. You only need them for setting up new payees, which is the same as with other banks.

mcompton69

colsten wrote: »

Could you translate this, please?

Really? is it that hard to interpret?

You are forced to use it for online banking.

mcompton69

EarthBoy wrote: »

That's not true. You only need them for setting up new payees, which is the same as with other banks.

So if you have no payees, then you cannot transfer money without using the app - so it is true??!!I I think you are being really pedantic.

colsten

mcompton69 wrote: »

So if you have no payees, then you cannot transfer money without using the app - so it is true??!!I I think you are being really pedantic.

It is not pedantic to state that you can make payments to existing payees without having to use TFA. It is simply true. Unlike your assertion that you must generate a code for each payment.

What is your issue with TFA being applied to setting up a new payee? Would you rather it was possible to set up a new payee with no controls, and a hacker having the opportunity to syphon all your money out before you even notice you were hacked?

*Kat*

colsten wrote: »

What is horrible about the FD method?

BTW, have you got a link for the Capital One current account?

I didn't state that the only apps I was talking about were current account apps.

I don't know why you're getting so defensive. Everyone has different expectations, and these are mine.

katejo

lee111s wrote: »

No issues at all with the FD banking app here...

I didn't like the physical/keyboard app at all. I found it very fiddly. However now that I am using the Smartphone version it is much easier. I rejected that first because I had misunderstood and had thought that i would have to do the actual transactions on the phone but that isn't the case. The phone app generates the code which can then be entered on the laptop keyboard.
In practice, the vast majority of my transactions don't need the more secure login anyway.

Paul_1977

I consider the app that comes with an account an important factor, I am using a desktop/laptop less and less, and if I want to be able to quickly check my bank account, I only have to enter a code with RBS/Barclays. (after set up first time).

TSB/Halifax, require you to enter letters and numbers from your passwords and I don't like it.

Herbalus

Paul_1977 wrote: »

I consider the app that comes with an account an important factor, I am using a desktop/laptop less and less, and if I want to be able to quickly check my bank account, I only have to enter a code with RBS/Barclays. (after set up first time).

TSB/Halifax, require you to enter letters and numbers from your passwords and I don't like it.

Trouble is, apps will update now at least a few times a year. I have 8 banking apps on my phone, and at least one will change each month. It's a bit tedious to change banks twice a year because of a poor update, though I get what you're saying.

Though TSB & Halifax (and Lloyds) require just 3 digits from your internet banking password. I'm not sure how it's any more difficult - you don't have to click in the boxes or anything, so it's just 3 taps. Probably even simpler than the apps I have with a code (Tesco is 5 taps, Capital One is 6 taps). First Direct/HSBC require a password, and Santander is the longest at one password and a 5 digit code!