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Is there an alternative to OTP?
ely_ellis
Posts: 145 Forumite
I use online banking but OTP's are now stopping me use banking facilities and / or purchasing things on the internet.
I live in the countryside, I do not get a mobile phone signal on any network. I also work away from home off-shore (that means on a boat in the sea and not off-shore as in a 'different country').
I cannot make even the smallest change to my banking without requiring a OTP, which I cannot receive.
Just changing the date on a standing order cannot be done without a OTP.
When I am at home, my wife has to take my mobile phone and drive 2 miles down the road to get a signal, then when she gets the OTP she calls me on the house phone so I can proceed with the change.
This also effects the 'Verified by Visa' thing too, that used to ask for a password but without any notification, it now calls (or attempts to call) my mobile phone with a OTP.
Luckily this is bypassed by a call to my credit card company who can enable a bypass for that purchase.
However, the bank is different, I cannot make a quick call to have a bypass enabled, they completely refuse to do it.
So, my question, is there an alternative (serious, no stupid comments please) to the OTP.
I have asked my credit card company to remove my mobile number so as to force it to use alternative methods, but believe it or not, they refuse to, so I had to change it to an old disconnected number, but still have to ring the company to get a bypass.
Can anyone suggest anything please?
I live in the countryside, I do not get a mobile phone signal on any network. I also work away from home off-shore (that means on a boat in the sea and not off-shore as in a 'different country').
I cannot make even the smallest change to my banking without requiring a OTP, which I cannot receive.
Just changing the date on a standing order cannot be done without a OTP.
When I am at home, my wife has to take my mobile phone and drive 2 miles down the road to get a signal, then when she gets the OTP she calls me on the house phone so I can proceed with the change.
This also effects the 'Verified by Visa' thing too, that used to ask for a password but without any notification, it now calls (or attempts to call) my mobile phone with a OTP.
Luckily this is bypassed by a call to my credit card company who can enable a bypass for that purchase.
However, the bank is different, I cannot make a quick call to have a bypass enabled, they completely refuse to do it.
So, my question, is there an alternative (serious, no stupid comments please) to the OTP.
I have asked my credit card company to remove my mobile number so as to force it to use alternative methods, but believe it or not, they refuse to, so I had to change it to an old disconnected number, but still have to ring the company to get a bypass.
Can anyone suggest anything please?
Martin (With an I)
4.00 kWp System, 15° East of South, 35° Pitch, 16 (250w) x 8.33 Eternity Panels, Solaredge Optimisers and SE4000(16A) inverter, iBoost. Just North of Gainsborough, Lincolnshire.
4.00 kWp System, 15° East of South, 35° Pitch, 16 (250w) x 8.33 Eternity Panels, Solaredge Optimisers and SE4000(16A) inverter, iBoost. Just North of Gainsborough, Lincolnshire.
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Comments
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Why don't you sue the NIMBY's who prevented a phone mast from being installed near your area, thus preventing you from receiving a signal and having all this inconvenience in the first place?
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Do you have internet/WiFi and a smart phone capable of WiFi calling?
This will also allow the receiving of SMS messages.0 -
Is it all mobile networks you can’t get? The WiFi calling option seems the best option for at home. What do others do when on the boat?0
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Which bank are you with?0
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Some banks have a digital fob or card reader (e.g. HSBC, first Direct, Barclays) - both would allow access without a signal. Might be worth switching to one of those.0
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