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Bank of Scotland - Security

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Hi,

I am thinking about opening a BOS vantage account to benefit from the 3% interest and yes I can meet the requirements.

How secure do you find their logging on process and what does it ask you? E.g. Do you recieve a one time password? Are all new payees only done by using a card reader?

Finally what do you make of their online banking website is it modern, full of useful functions such as text alerts?

I know everyone's opinion will be different but I'd be interested to know what people think.

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