Santander and online banking/ app

Mee · 8 July 2019 at 11:39AM

Hi All,
I was about to post a query in response to a recent email I received which states:

The main change is that you’ll need to download our mobile banking app to be able to use Online Banking

Then when I clicked the further information link, I realised I still have the OPT option:

Changes to how you log on to Online Banking
We’re making some changes to how you log on to Online Banking as a result of new regulation which affects the whole banking sector.
These changes are called Strong Customer Authentication, and they support how we check it’s you when you use Online Banking.
What’s changing?
You already enter your security details to gain access to Online Banking, for example your Personal ID and Security Number, Registration Number or 5-digit PIN.

The new regulation asks us to add an additional check to confirm it’s you. You can do this one of the following two ways:
1. By having our personal mobile banking app.
When you log on to Online Banking you’ll be referred to the mobile app, which will simply ask you to use your fingerprint, face or Security Number as the additional check that it’s you. You can then continue to use Online Banking as you normally do.
2. By using One Time Passcode (OTP).
If you don’t have our mobile banking app, we’ll send an OTP to your mobile phone as the additional check that it’s you.
Whichever way you choose, we’re only using the mobile banking app or the OTP to help confirm it’s you. You can continue to use your personal Online Banking as normal once the check has been completed.

Phew!