New Santander Logon - requiring NO password

masonic

roddydogs said:

How is it "fewer" if you have to put user id in, when you didn't have to before?

You don't have to put your user ID in if you check the "remember ID" box. The new site has this feature too.

You have always had to enter your user ID when logging in from a new device or after clearing your cookies. This is still the case.

seddonsoftware

JSmith321 said:

Just signed on to my Santander account using their new logon screen and was shocked that I was not asked for my password just my pin, previously I was asked for both. What's going on? Not only do they not offer 2 factor authentication but they seem to want to make life easy for the fraudsters. The FCA should insist that banks adopt a minimum standard for security including 2FA  or remove their bank licence.

2FA is all fine if you can receive mobile calls, but NOT in a mobile dead spot.  Santander will only use 2FA on mobile phones and not landlines or email.  We've left because of this

Zellah

seddonsoftware said:

JSmith321 said:

Just signed on to my Santander account using their new logon screen and was shocked that I was not asked for my password just my pin, previously I was asked for both. What's going on? Not only do they not offer 2 factor authentication but they seem to want to make life easy for the fraudsters. The FCA should insist that banks adopt a minimum standard for security including 2FA  or remove their bank licence.

2FA is all fine if you can receive mobile calls, but NOT in a mobile dead spot.  Santander will only use 2FA on mobile phones and not landlines or email.  We've left because of this

So you’ve not heard of Wi-Fi calling then? Sure, you need a wifi calling compatible handset and network but I would have thought the effort would be worth it if you're not getting any signal in your home. 

[Deleted User]

seddonsoftware said:

JSmith321 said:

Just signed on to my Santander account using their new logon screen and was shocked that I was not asked for my password just my pin, previously I was asked for both. What's going on? Not only do they not offer 2 factor authentication but they seem to want to make life easy for the fraudsters. The FCA should insist that banks adopt a minimum standard for security including 2FA  or remove their bank licence.

2FA is all fine if you can receive mobile calls, but NOT in a mobile dead spot.  Santander will only use 2FA on mobile phones and not landlines or email.  We've left because of this

They aren't a public service - if you aren't happy with any service aspect, then vote with your feet as you have done.

whitesmith

Different banks use different methods of 2fa

 Santander uses texts, Nationwide uses debit card with card reader,  First Direct uses an individual keypad thingamebob and Lloyds calls you and asks you to enter the number shown on your internet banking screen.

Take your pick!

Roger.Wilco

Zellah said:

So you’ve not heard of Wi-Fi calling then? Sure, you need a wifi calling compatible handset and network but I would have thought the effort would be worth it if you're not getting any signal in your home. 

It is interesting how this keeps popping up from time-to-time...

My last reply to this can be found here: https://forums.moneysavingexpert.com/discussion/comment/77377080/#Comment_77377080

... WiFi calling as a technology may be a solution in many cases - but why add yet another level of complexity just to be able to do what could be done before? ...

...

There are those folks that are technophiles who are willing and able to solve real or imagined problems with the application of technology and deal with the hassle, cost, complexity and hoops that, that might entail.

Then there are those that are technophobes or those that just want to get stuff done with the minimum hassle, cost, complexity, hoops.  Especially, when the level of usability decreases when compared to what went before - for limited to no benefit to the user.

colsten

Roger.Wilco said:

... WiFi calling as a technology may be a solution in many cases - but why add yet another level of complexity  just to be able to do what could be done before? ...

WiFi calling doesn't add any complexity. All you need is a mobile provider which offers WiFi calling and a relatively modern phone. People suffering from bad mobile reception would have plenty of good reasons why they would go with one of these providers, whether they are Santander customers or not.

The whole point of WiFi calling is that it provides you with functionality that you did not have before.

eskbanker

Roger.Wilco said:
why add yet another level of complexity just to be able to do what could be done before?

Because two-factor authentication has been mandated by regulations (even if not fully implemented everywhere yet)?  Obviously there are varying degrees of complexity according to the designs adopted by each institution, but 2FA inherently involves more complexity to do what could be done without it before....

Zellah

whitesmith said:

Different banks use different methods of 2fa

 Santander uses texts, Nationwide uses debit card with card reader,  First Direct uses an individual keypad thingamebob and Lloyds calls you and asks you to enter the number shown on your internet banking screen.

Take your pick!

Nope, no 2FA is required to setup new payments if paying through the Santander or First Direct apps, though with the latter you need to ensure you’ve chosen the digital secure key option. 

Zellah

Roger.Wilco said:

Zellah said:

So you’ve not heard of Wi-Fi calling then? Sure, you need a wifi calling compatible handset and network but I would have thought the effort would be worth it if you're not getting any signal in your home. 

It is interesting how this keeps popping up from time-to-time...

My last reply to this can be found here: https://forums.moneysavingexpert.com/discussion/comment/77377080/#Comment_77377080

... WiFi calling as a technology may be a solution in many cases - but why add yet another level of complexity just to be able to do what could be done before? ...

...

There are those folks that are technophiles who are willing and able to solve real or imagined problems with the application of technology and deal with the hassle, cost, complexity and hoops that, that might entail.

Then there are those that are technophobes or those that just want to get stuff done with the minimum hassle, cost, complexity, hoops.  Especially, when the level of usability decreases when compared to what went before - for limited to no benefit to the user.

If folks are unable to use Wi-fi calling then I think it’s fair to say using a mobile phone is beyond their means as well.