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Internet Banking without Mobile Phone
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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.0 -
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?
You're not allowed to access your phone at work but they do let you access online banking?
Re carrying card readers I think the point is that they are, at least to some extent, being phased out. And anyway most card readers are generic, so you'd only need one. Like you'll only need your phone.0 -
It was passed into law back in 2017 (albeit with an implementation date of September 2019, which is likely to be delayed further), so if that's the way you feel then you'll need to lobby your MP, and a vast number of other people will need to do the same....It should be possible to opt out of this stupid scheme.0 -
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.
I think the issue with mobile apps is that becuase they are all differents and you will need to install 30+ different apps on your mobile phone if you are banking with 30+ banks/BSs.
This is just Mobile banking apps you have not counted other apps on your mobile phone say another 30+ apps. So altogether 60+ apps in your mobile phones. Not to mention Running 30 apps that you are not using it frequently on the background will slow down other apps that you actually need. Let alone it is muvj more comfortable to do the work (seeting up payee, standing order) in a large screen especially if you have dual monitors .But this will subject to along debate.
For that reason people try to avoid instaling apps if they is still a way to avoid it. But if in the future you can not than you have no other option than to install it.0 -
Absolutely. Your point being?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.
Agreed, but there is a huge element missing in your self assured comfort. You will lose any deniability for any fraudulent activity undertaken via the mobile app. My concern is that, as with everything technology related, those that want to obtain your money will find a way (physically or via technology). Those who simply dismiss this without giving it due consideration are simply being naive.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.
Asked and answered, see IanManc's post. I am a Santander customer and read it with my own eyes, and believed what I read. They have subsequently walked that back and now look like they will continue to accommodate OTP which is perfectly acceptable to me.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.Personal Responsibility - Sad but True
Sometimes.... I am like a dog with a bone0 -
Just as all the online banking interfaces are different. Installing and organising apps on mobiles is child's play.I think the issue with mobile apps is that becuase they are all differents and you will need to install 30+ different apps on your mobile phone if you are banking with 30+ banks/BSs.
I have many more than 60 apps on my phone. What's the problem?This is just Mobile banking apps you have not counted other apps on your mobile phone say another 30+ apps. So altogether 60+ apps in your mobile phones.
The only ones of my apps which are running in the background are the ones I want to run in the background. I can't see any reason why I'd want a banking app to run in the background.Not to mention Running 30 apps that you are not using it frequently on the background will slow down other apps that you actually need.
I give you the usability aspect, especially if people have bad eyesight or large fingers. There is also the fact that some banks don't yet offer the full online functionality through their app (e.g. Santander payee maintenance needs online banking, which I consider a right PITA).Let alone it is muvj more comfortable to do the work (seeting up payee, standing order) in a large screen especially if you have dual monitors .But this will subject to along debate.
Perhaps the biggest obstacle for apps is people's fear of change. In many ways, people's reluctance to use banking apps reminds me of the Red Flag Act of 1865: when the motor car first came to our public highways, they were required, by law, to be led by a pedestrian waving a red flag or carrying a lantern to warn bystanders of the vehicle's approach.0 -
Evidence for that, please. AFAICS, the exclusions of liability [of the bank] are essentially the same for online banking and for apps.You will lose any deniability for any fraudulent activity undertaken via the mobile app.
Agreed. Although I maintain that it's easier to do on a PC/laptop than on a phone. Much of it does depend on the owner of the accounts and the way they choose to protect their devices and what can be done with them.My concern is that, as with everything technology related, those that want to obtain your money will find a way (physically or via technology).0 -
I just had this issue trying to put through a payment with my bank. As a layer of security they sent me a text to confirm which I understand, but I have no mobile signal in my house so had to run up the end of the garden waving my phone in the air till I could get a signal. This is fine when it's summer but middle of winter, freezing cold, raining, dark, I don't want to be jumping around up the garden!!0
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Perhaps the biggest obstacle for apps is people's fear of change. In many ways, people's reluctance to use banking apps reminds me of the Red Flag Act of 1865: when the motor car first came to our public highways, they were required, by law, to be led by a pedestrian waving a red flag or carrying a lantern to warn bystanders of the vehicle's approach.
For some people, probably. I already have four Mobile banking apps for over about two year on my mobile phone. The reason why I am installing it becuase there is no other way of accessing it. One of them becuase I use frequently when I am traveling.0 -
Don't you have WiFi calling / texting on your mobile?I just had this issue trying to put through a payment with my bank. As a layer of security they sent me a text to confirm which I understand, but I have no mobile signal in my house so had to run up the end of the garden waving my phone in the air till I could get a signal. This is fine when it's summer but middle of winter, freezing cold, raining, dark, I don't want to be jumping around up the garden!!0
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