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Should Banks ask Security Questions?
Cotta
Posts: 3,667 Forumite
I called up my bank today and noticed the advisor answered my question without asking any data protection, is this the norm now?
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Comments
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No, it isn't.0
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It depends on the nature of the question
If you asked 'is it wednesday?' im fairly confident they can get away without asking for any personal data.
If you asked how much is in my bank then they should be asking security questions.0 -
I called up my bank today and noticed the advisor answered my question without asking any data protection, is this the norm now?
It depends upon the question.
If the question doesn’t require them to divulge any information about an account then there’s no need to ask any security questions. So something like “If I’m overdrawn for 7 days what would the charges be?” would be fine to answer.
If it does require that (“How much have I been charged for being overdrawn this month?”) then yes, they should.0 -
It can also depend on whether your bank has voice recognition (some were trialling this) and also, if you rang from a known number.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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I was querying a suspicious transaction on my account.0
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Had you answered security questions via automated system to start with?0
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It can also depend on whether your bank has voice recognition (some were trialling this) and also, if you rang from a known number.
I don’t think ringing from a known number would be sufficient. It could just as easily be a family member, friend, or someone who happened to find your mobile phone lying on the street.0 -
I don’t think ringing from a known number would be sufficient. It could just as easily be a family member, friend, or someone who happened to find your mobile phone lying on the street.
It wouldnt by itself but with voice recognition and a recognised number, it goes towards building ID.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
customer service cant even get into your account unless they enter correct answers to your security questions etc0
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