Halifax clarity

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  • Gloomendoom
    Gloomendoom Posts: 16,550 Forumite
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    benjus wrote: »
    All smartphone based these days... but yes, if you don't have a smartphone don't go logging on to your internet banking from any old computer.

    Is a smartphone any more secure?
  • worried_jim
    worried_jim Posts: 11,631 Forumite
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    Gloomendoom wrote: »
    Is a smartphone any more secure?

    If you are using an app rather than loading a web page and logging in then yes.
  • Gloomendoom
    Gloomendoom Posts: 16,550 Forumite
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    worried_jim wrote: »
    If you are using an app rather than loading a web page and logging in then yes.

    Useful to know. Thanks.

    Is this still true when using Wi-fi rather than data?
  • silvercar
    silvercar Posts: 47,007 Ambassador
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    Gloomendoom wrote: »
    Useful to know. Thanks.

    Is this still true when using Wi-fi rather than data?

    So I was told.
    I'm a Forum Ambassador on The Coronavirus Boards as well as the housing, mortgages and student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • Gloomendoom
    Gloomendoom Posts: 16,550 Forumite
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    edited 3 December 2017 at 7:22PM
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    Doshwaster wrote: »
    I've never known anywhere take Visa but not MC (or vice versa) .

    Try a Co-op bank ATM in Cyprus. Refused Clarity, Santander and Monzo. Happy with Barclaycard.
  • Fortyfoot
    Fortyfoot Posts: 1,957 Forumite
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    edited 3 December 2017 at 9:10PM
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    I have just been talking to two ladies withdrawing money from Caixa bank in Los Cristianos. They had been charged £5 for a withdrawal from Santander bank.

    No charge from Caixa bank.

    0_ED22597-_AB0_C-4_F56-_AB2_F-_BCF5_E532_A667.jpg

    Fortyfoot
  • benjus
    benjus Posts: 5,433 Forumite
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    Gloomendoom wrote: »
    Is a smartphone any more secure?

    Yes, it's secure because you have control over it, which is what really matters. It doesn't matter if you use an app or a web page. In both cases the data flowing between your phone and the bank is encrypted so it doesn't matter if anyone intercepts the data going over a wifi connection.

    On the other hand, you have no idea what might be installed on an internet cafe computer. It could have a keylogger to record what you type, or a fake internet security certificate to allow a third party to pretend to be your bank's website.
    Let's settle this like gentlemen: armed with heavy sticks
    On a rotating plate, with spikes like Flash Gordon
    And you're Peter Duncan; I gave you fair warning
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