Concerned about one time codes if my phone is lost, stolen or damaged

Katiehound

Uxb1 said:

The Card readers were designed to be used by any card
I've used a Natwest reader while away from home with my Barclays card to authroise a new payment.

Not all card devices are interchangeable- eg HSBC doesn't use a card reader and that specific device has to be registered. I found out that when I tried to use my M&S device!

So it depends very much which banks you use....

Ballard

A fortnight into a 6 week trip to Australia in 2015 my First Direct app needed to update but it failed part way through and I couldn’t then download it as I needed to be in the U.K. to do that. I had to do all of my transactions by phone from then on but it was fine. Fortunately I was (and am still) with three mobile so calls were free. 

Zellah

That's the the beauty with First Direct. As they're still primarily a telephone bank, you can still do 100% of your banking over telephone should your lose your smartphone and/or your Secure Key. Good luck trying to do that with another bank...