Telephone Banking Security

Thefrenchman

Why do banks insist on asking security questions that someone who had hacked your account could easily have to hand?I failed security because I'm not into astrology or a 60s hippy so didn't know my star sign.Now if they allowed me to choose my own security questions eg what is your grandfathers middle name (which is nowhere on line and even my wife doesn't know it) surely my account would be safer.But it would seem that asking someones star sign falls within FCA rules.

stragglebod

Many banks do allow you to choose your own security questions.


But for those that don't, you don't have to use your actual star sign. As long as you use a password manager to record which one you entered when signing up.


As for things like mother's maiden name - so long as you can retrieive it later you can just enter any random string of letters you like.

John_Gray

Surely 'everyone' is born on 01/01/1970 - the start of Unix time?
Or for Microsoft persons, 01/01/1980 - the start of the DOS FAT file system.

DoaM

stragglebod wrote: »

Many banks do allow you to choose your own security questions.


But for those that don't, you don't have to use your actual star sign. As long as you use a password manager to record which one you entered when signing up.


As for things like mother's maiden name - so long as you can retrieive it later you can just enter any random string of letters you like.

Password manager for Telephone banking?

tronator

DoaM wrote: »

Password manager for Telephone banking?

W h y n o t?

chrisw

The security answers don't have to be real or make sense as long as you remember them.

So you could always use your grandfathers middle name as a response to the question what star sign are you. Or what's you favourite colour? Answer: Mozart.

Paul_DNAP

Thefrenchman wrote: »

Why do banks insist on asking security questions that someone who had hacked your account could easily have to hand?I failed security because I'm not into astrology or a 60s hippy so didn't know my star sign.Now if they allowed me to choose my own security questions eg what is your grandfathers middle name (which is nowhere on line and even my wife doesn't know it) surely my account would be safer.But it would seem that asking someones star sign falls within FCA rules.

You don't have to have an actual star sign - my star sign is "norman" and my grandfathers middle name was "sagittarius".

Le_Kirk

stragglebod wrote: »

As for things like mother's maiden name - so long as you can retrieive it later you can just enter any random string of letters you like.

What is going to happen (or indeed in use now) as there must be hundreds/thousands of children whose Mother didn't marry and therefore doesn't have a maiden name?

stragglebod

DoaM wrote: »

Password manager for Telephone banking?

Password manager for passwords.
Passwords for telephone banking.
Therefore password manager for telephone banking.

debitcardmayhem

Le_Kirk wrote: »

What is going to happen (or indeed in use now) as there must be hundreds/thousands of children whose Mother didn't marry and therefore doesn't have a maiden name?

Huh....?:cool:

forgotmyname

TSB by any chance? They asked my daughter what her star sign was, but he worded it differently. I did make a post about it a while back.

That was not one of her security questions though. I think he was having a bad day and asked random questions, he claimed she got all her security questions wrong.