Strong Customer Authentication - **Now delayed** changes to online verification

Nicholas

molley wrote: »

Looks like you only get the use of the handset when you first topup a Tenner and from then on it is £10 every thirty days unless I am reading things wrong. .

Well spotted. There is a bit over on HotUKDeals about it. One guy posted a way around the £10 a month charge:

Regarding the £10 topup which you are purchasing with this deal: if you put the sim in a phone which has data capabilities AND mobile data is switched on then it is likely that the data/texts/minutes bundle that the sim is designed for will be activated (1gb data, whatever mins & txts) all of which will expire after 30 days of, effectively, using the sim card. This is also the case if you send a txt or make a call: the £10/30 day bundle will be initiated.
If you start using the sim as it has been delivered then you have 30 days to use the prescribed allowances of data, txts, minutes.
If you want to have £10 of PAYG credit to use however you like (you can even convert it to an EE 30 day bundle later if you wish) then this is what you need to do:-
Put the sim into a phone which does not have mobile data connectivity or switch off mobile data before inserting the sim (Nokia 105 purchased with the sim is ideal).
Create a new txt message to 150 with the text STOP PACK
You will receive a reply asking you to confirm that you want the 30 day pack to stop. These txts to 150 are free and will not activate the pack/bundle.
Confirm that you want it to cease.
You now have £10 PAYG credit on the sim which can be used for whatever... buy a 30 day pack when it is convenient for you to use it; use PAYG rates for txt, calls, data; buy a 2GB 30 day data pack: you have flexibility and control over when and how the £10 will be used; sell it on eBay as a sim with £10 credit.
The credit will be available on the sim in accordance with EE t&cs. It’s either 3 or 6 months (can’t remember which) without a chargeable event.

So a lot of faff involved, but it is doable.

Nicholas

Just has an email from FD and this paragraph has confused me:

Later this week, we’ll be removing the password and memorable data log on option from your Mobile Banking App and you’ll need to use your Secure Key every time you log on.

I always thought that the secure key was built into the Mobile Banking App and it was used all the time on the app.

They then go on to say:

Logging onto Online Banking will not change until early next year. However, now you’ve set up your Secure Key for your App, we recommend using it to log onto Online Banking as well. That way, you’ll have access to all our Online Banking services.

So it seems that Online Banking and Mobile Banking are being treated differently over the short term.

born_again

Nicholas wrote: »

Just has an email from FD and this paragraph has confused me:
I always thought that the secure key was built into the Mobile Banking App and it was used all the time on the app.

It is built into the app. Just you used to have the option to not use secure key. I only changed in the last few weeks, as any major updates to O/S or a change of phone can mean having to reset secure key.
Which due to the way it worked often meant a call to reset.

Nicholas wrote: »

They then go on to say:
So it seems that Online Banking and Mobile Banking are being treated differently over the short term.

They are. Built on different platforms. I understand that as not everyone has a secure key on a phone and the shortage of physical keys. Bad management & planning despite knowing about the change. Expect cost is also a issue.
They also disabled a lot of secure keys that had not been used for a long time in the run up to the change...
Which seems odd as they are needed to sign on and a way to generate complaints.

Corvidia

I presume you didn’t bother checking what Nationwide say about the process before posting?

I have been communicating with them via secure message where they replied that I would have to use a mobile, hence my concern. I am still in communication to see if they are using alternatives.

Nicholas

Corvidia wrote: »

I am still in communication to see if they are using alternatives.

They are using alternatives. I posted a quote from their website. d123 went one step further and even gave you a link to the page on Nationwide's website. I don't know what more you need. It couldn't be clearer.

18cc

Nationwide give you at least one alternative to texts - generate a code using the card reader thingy with your debit card

Emily_Joy

It appears Co-Operative bank has introduced it already. Yesterday I was able to login, but couldn't see any transactions until "strong authentication" was passed. Annoyingly, text message to mobile never arrived (3 attempts) but e-mail showed up almost instantly.

colsten

Good summary: https://www.which.co.uk/news/2019/09/new-online-security-checks-kick-in-today-what-will-your-bank-require

eskbanker

colsten wrote: »

Good summary: https://www.which.co.uk/news/2019/09/new-online-security-checks-kick-in-today-what-will-your-bank-require

I like the tabular format they've used, although some of the entries seem to contradict what the banks say on their websites so it's difficult to know what the most realistic picture is! The staggered rollout is probably not helping either, in that the additional 18 months leeway gives them the opportunity to change tack rather than sticking to Plan A....

badger09

From the small print in that article I learned that my PO Credit Card has been sold to a new provider

https://www.postoffice.co.uk/credit-card

Every day's a school day:D

Not sure I want a JaJa card though:cool: