Internet Banking without Mobile Phone

cloud_dog

I have no issue with using a mobile for stronger security, i.e. HMRC. I do have an issue being forced to use a mobile banking app. (I believe Santander have subsequently stepped back from that requirement).

eskbanker

cloud_dog wrote: »

I do have an issue being forced to use a mobile banking app. (I believe Santander have subsequently stepped back from that requirement).

You're echoing the sentiments of an earlier poster but I don't recall Santander ever suggesting that they'd do away with OTPs to mobiles, do you have links to any such statements?

adindas

colsten wrote: »

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

I am aware some of people here are banking with more than twenty Banks/BS. I myself have only installed four of them the one that I mostly used when I am traveling and only provide mobile banking.

I wonder how you guys manage to install all of these individual banking apps if you are banking with more than twenty bank / BS (say) ??

spot1034

adindas wrote: »

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.

Can you not see the difference between quickly logging in to your account each day - for me it's often between 5 and 7 in the morning - to check that any payments in/out have gone through as expected and that there is no evidence of anything untoward, and having to go to the trouble of phoning in or even visiting a branch?

Slappermum

To be honest, a mobile phone banking app would be PERFECT for quick checks on transactions every morning. You wouldn't even need to get out of bed for that.

So, instead of swimming against the tide, get someone's old phone, factory reset it, install the app (it's dead easy to use) and look on the bright side of life.

colsten

cloud_dog wrote: »

I have no issue with using a mobile for stronger security, i.e. HMRC. I do have an issue being forced to use a mobile banking app. (I believe Santander have subsequently stepped back from that requirement).

Nobody is forced to use a banking app. You have a choice. If you don't like what's on offer from one bank, go to the next, and so on, until you find one that meets your requirements.

I do find it a bit funny that people who are happy to use online banking are so anti-app, despite apps being generally more secure than online banking.

As an aside, I am a Santander customer and have never had any communication from them to say that the app is becoming mandatory. Quite the contrary, they make it very clear that the OTP, which they have been using for years to authorise transactions, will be one of the ways to do the authentication for logins.

colsten

adindas wrote: »

I am aware some of people here are banking with more than twenty Banks/BS. I myself have only installed four of them the one that I mostly used when I am traveling and only provide mobile banking.

I wonder how you guys manage to install all of these individual banking apps if you are banking with more than twenty bank / BS (say) ??

Easy. You download twenty apps (or however many - I currently have 30 banking and credit card apps on my phone) and start using them.

colsten

spot1034 wrote: »

Can you not see the difference between quickly logging in to your account each day - for me it's often between 5 and 7 in the morning - to check that any payments in/out have gone through as expected and that there is no evidence of anything untoward, and having to go to the trouble of phoning in or even visiting a branch?

I bet I check mine a heck of a lot quicker than you do on your trusted PC/Laptop. Whilst I walk downstairs first thing in the morning, I say "Hey Siri, open Santander" and by the time I get to the kitchen 20 seconds later, I know which transactions happened overnight. Completely secure, as only I can access my phone, and my access to the Santander app is controlled by Face ID. Now someone will argue I shouldn't be looking at my phone whilst walking but I have perfected that art :rotfl:

adindas

spot1034 wrote: »

Can you not see the difference between quickly logging in to your account each day - for me it's often between 5 and 7 in the morning - to check that any payments in/out have gone through as expected and that there is no evidence of anything untoward, and having to go to the trouble of phoning in or even visiting a branch?

In many cases, If you just need to check transaction, you could still use internet banking without mobile phone. I am actually commenting about an opinion to call it little a bit extreme to restrict access to those people who have a mobile phone.

DragonQ

These new regulations really !!!! me off. I cannot access my phone at work so what exactly am I supposed to do, order and carry around 8 different cards and card readers just in case I want to access my bank accounts?


It should be possible to opt out of this stupid scheme. I am perfectly content with the current method used by Lloyds, TSB, Nationwide, NatWest, and, until a couple of weeks ago, First Direct. Fair enough ask for extra verification when setting up a new payee but I want to login, view my accounts, and send money to accounts I often send money to without extra hassle.