First Direct confirmed customers without Mobile (coverage) now can't use cards online

18cc

my dog doesn't have a smartphone...

Uxb

Butch_Dingle wrote: »

What makes you say that? On my phone when a SMS arrives, i just get a notification - the actual content can only be read once I unlock the phone. I imagine you can do the same on most smartphones.

Not on my (now regarded as old) smartphone
The sms is displayed line by line along the top of the screen in the notification area as it comes it without the phone being unlocked.

Butch_Dingle

18cc wrote: »

my dog doesn't have a smartphone...

What is a metaphor?

"A metaphor is a figure of speech that describes an object or action in a way that isn’t literally true, but helps explain an idea or make a comparison."

https://www.grammarly.com/blog/metaphor/

The_Green_Hornet

18cc wrote: »

my dog doesn't have a smartphone...

Treat him/her to a Lenovo K9 this Christmas...

Mr.Saver

Butch_Dingle wrote: »

What makes you say that? On my phone when a SMS arrives, i just get a notification - the actual content can only be read once I unlock the phone. I imagine you can do the same on most smartphones.

No, that isn't the main insecure part of SMS. The main issues are SIM hijacking, Stingray (IMSI catcher), SS7 hack, etc.

Butch_Dingle

Mr.Saver wrote: »

No, that isn't the main insecure part of SMS. The main issues are SIM hijacking, Stingray (IMSI catcher), SS7 hack, etc.

And has everybody (or the majority of people) been affected by such issues? Otherwise its a bit like crossing the road...the risk is there but it doesn't stop millions of people doing it every day

Mr.Saver

Butch_Dingle wrote: »

What, you like to faff around with physical card readers when setting up new payees? One of the great things about Firstdirect (and HSBC) is that you can choose to have a 'digital' secure key on your smartphone app which negates the need to have a physical authentication device. Considering nearly every man & his dog have a smartphone these days, this means vast majority of FD customers can simply do without a physical device - if they choose to do so.

I have HSBC account, and I use the physical secure key instead of the digital phone app. The physical key is less convenient, but it's safer.

Think about the possibilities of phone hacking, or losing the phone together with your easy to guess password. Hopefully you didn't reuse the password for anything else on your phone for the digital secure key. Because if you did, there's a big chance that those apps aren't as secure as the banking app and easily spit out the password for whoever got their hands on your lost/stolen phone.

Mr.Saver

Butch_Dingle wrote: »

And has everybody (or the majority of people) been affected by such issues? Otherwise its a bit like crossing the road...the risk is there but it doesn't stop millions of people doing it every day

Read the news, many ordinary people (and billionaires) were hacked by SIM hijacking, this is by far a very popular and easily pull-off attack. Although the majority of the incidents happens in the US, but it doesn't mean it isn't happening here.

Butch_Dingle

Mr.Saver wrote: »

Read the news, many ordinary people (and billionaires) were hacked by SIM hijacking, this is by far a vary popular and easily pull-off attack. Although the majority of the incidents happens in the US, but it doesn't mean it isn't happening here.

But can you ACTUALLY provide clear evidence that sms hacking is happening en-masse in Blighty? Otherwise it’s just sheer paranoia. Doing many everyday things in life carries a risk, whether crossing the road, driving a vehicle or travelling on a plane.
Perhaps the only way to totally remove risk would be to hide under the bed forever and never go outside or use technology?

Butch_Dingle

Mr.Saver wrote: »

I have HSBC account, and I use the physical secure key instead of the digital phone app. The physical key is less convenient, but it's safer.

Think about the possibilities of phone hacking, or losing the phone together with your easy to guess password. Hopefully you didn't reuse the password for anything else on your phone for the digital secure key. Because if you did, there's a big chance that those apps aren't as secure as the banking app and easily spit out the password for whoever got their hands on your lost/stolen phone.

Well I would also like to play the game of worst scenarios: god forbid but what if you were burgled by armed robbers at home and they stole all valuables. Using your logic perhaps none of us should keep valuables at home?