Internet Banking without Mobile Phone

etienneg

Del03 wrote: »

It feels a bit extreme to restrict access to those people who have a mobile phone. I have smart phone and use it socially but I don't have the option of having a mobile phone on me all the time. I guess I will be looking for a bank that does not insist on having a mobile phone. Probably back to First Direct and use their telephone service rather than internet banking (landline or mobile) which is no problem other than a lack of interest on their current account. i guess I really am a dinosaur

I'm really intrigued and just can't see what you mean when you say you have a smartphone but "I don't have the option of having a mobile phone on me all the time". I'd love to know the answer to this.

Firstly, you don't need it with you all the time, only when you are using internet banking (or, to widen the discussion, making an online payment by debit or credit card).

Secondly, apart from your own habits, why can't you have it with you whenever you might need it? As I used to tell my work colleagues who left their phone on their desk and went away, there's a good reason why it's called a MOBILE phone!

If there are reasons why this change causes a genuine problem for some people, suggestions might be forthcoming if full details of the problem are disclosed. But the attitude shown by some posters (not necessarily you) that they refuse to contemplate ANY change to their daily lives is quite startling. Life does not go on without change. As I've learned over the years, in most cases a small change on my part is all that's needed and it's much easier than venting all that indignation! Often I find the change brings additional, unexpected benefits. It's just part of life!

davidwatts

One scenario where people can't have a mobile phone with them is at work, e.g. in some call centre environments. You might be allowed to use your PC for reasonable personal usage (including banking) but if you have to keep your phone in your locker that would prevent you from, for example, sorting some banking out during a break.

It's not uncommon for mobiles to be banned in those environments because of the perceived data security risk.

Not saying that's what the OP meant, just an example that I'm aware of.

colsten

davidwatts wrote: »

One scenario where people can't have a mobile phone with them is at work, e.g. in some call centre environments. You might be allowed to use your PC for reasonable personal usage (including banking) but if you have to keep your phone in your locker that would prevent you from, for example, sorting some banking out during a break.

It's not uncommon for mobiles to be banned in those environments because of the perceived data security risk.

Not saying that's what the OP meant, just an example that I'm aware of.

If banking is important / pressing enough for you, you always have the option to nip outside in your break and do your banking on your phone through the app.

colsten

etienneg wrote: »

Often I find the change brings additional, unexpected benefits. It's just part of life!

Totally agree with you.

Whilst I appreciate there will / might be an additional step for logging in and for making online purchases, I actually quite like the idea as it makes it even more difficult for a fraudster to use my money. I would have thought everybody would welcome this but apparently some people would rather not see the additional protection. Which seems a bit odd.

Penelopa.Pitstop

Not everyone lives attached to the mobile phone. I have smart phone and use it, but I don't like the fact that I will need it for every purchase online. It's just a hassle.

So far, I haven't been hacked or defrauded on any card.

Zanderman

Penelopa.Pitstop wrote: »

Not everyone lives attached to the mobile phone. I have smart phone and use it, but I don't like the fact that I will need it for every purchase online. It's just a hassle.

So far, I haven't been hacked or defrauded on any card.

I'm no fan of this new system but you don't need to be 'attached' to your mobile - you just need to have it accessible. Where and when do you make online purchases? If you make them on your home pc then, er, your phone will be on the premises surely? What's the problem exactly?

As for not having been defrauded, neither have I, neither have the vast majority of people.

But it's possible anyone might be - this system is there to make it less likely you will be.

(I haven't had a car accident either - but I wear a seat-belt),

brewerdave

Not bothered about having to use my mobile for security when setting up payments or transfers but it seems crackers to have to get a code just to check the balance!.As far as I can see, NatWest are going to allow limited access without a mobile code ,so can't see why other banks can't do similar.
It seems to me that Santander (in particular) are trying to drive everyone over to mobile banking. Currently I only carry out any interrogations/transactions on my accounts via my up to date PC , complete with up to date malware protection - really don't want to have access set up on more devices!!

eskbanker

brewerdave wrote: »

Not bothered about having to use my mobile for security when setting up payments or transfers but it seems crackers to have to get a code just to check the balance!.As far as I can see, NatWest are going to allow limited access without a mobile code ,so can't see why other banks can't do similar.

It seems to me that the others are taking the new regulations at face value, whereas RBS/NatWest may feel they've found a loophole.

Section 100.1(a) of the Payment Services Regulations 2017 doesn't make any distinction regarding what the customer does once logged in, so gut feel would be that RBS/NatWest will be forced into line with the others, rather than the other way round.

http://www.legislation.gov.uk/uksi/2017/752/regulation/100/made:

Authentication

100.—(1) A payment service provider must apply strong customer authentication where a payment service user—

(a) accesses its payment account online, whether directly or through an account information service provider;
(b) initiates an electronic payment transaction; or
(c) carries out any action through a remote channel which may imply a risk of payment fraud or other abuses.

brewerdave wrote: »

It seems to me that Santander (in particular) are trying to drive everyone over to mobile banking. Currently I only carry out any interrogations/transactions on my accounts via my up to date PC , complete with up to date malware protection - really don't want to have access set up on more devices!!

On the contrary, Santander have made their position quite clear in their SCA documentation:

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.

adindas

Del03 wrote: »

It feels a bit extreme to restrict access to those people who have a mobile phone. I have smart phone and use it socially but I don't have the option of having a mobile phone on me all the time. I guess I will be looking for a bank that does not insist on having a mobile phone. Probably back to First Direct and use their telephone service rather than internet banking (landline or mobile) which is no problem other than a lack of interest on their current account. i guess I really am a dinosaur

Nowadays if you want to use an internet banking, it will need two stage verification if you want o set up a new payees.

You do not need your mobile phone to access internet banking, you could still access your internet banking thorough your desk top PC/Laptop. But you will need your mobile phone to receive a text if they want to send you a code for verification, especially if you do want to transfer money to a new payee.

If your issue is not want to use Internet Banking, Mobile banking, you could still use telephone banking, visit a branch.

So how could you say it little a bit extreme to restrict access to those people who have a mobile phone, where you still have the option to use telephone banking, visit ?. I think you will need to rethink they way you perceive what is the so called Extreme ?.

Adaptation is the key to survive based on the Darwin Theory.

colsten

adindas wrote: »

You do not need your mobile phone to access internet banking, you could still access your internet banking thorough your desk top PC/Laptop.

You soon will, with a number of banks. That's what a number of people are complaining about.