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I am also a stickler for security but I take a different approach. I prefer apps like Starling and Monzo which require access to your email to login and a PIN code to make transactions.
So long as your email is secure, your phone is secure, and your PIN unique to that account and non-guessable, this security is watertight. It's also much easier and quicker than all this card reader stuff.
What credentials? I don't think you can reset anything over the phone?
yes of course you can - you can call and say you forgot your internet banking username, your password - your secure key password -anything
Monzo doesn't have usernames, passwords, or secure key passwords.
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