RBS warning - If you register for the app you cannot pay for anything online without it

London7766551

colsten said:

London7766551 said:

EssexExile said:

London7766551 said:

Lightning360 said:

I think quite a few banks are introducing this due to Strong Customer Authentication regulation. Nationwide is introducing it and I read it on another banking site (possibly NatWest's).

As far as I know a OTP text code meets the requirements of the new rules. There is no reason why they cannot turn the text method back on for me and still be within the rules. I expect this is more a push to keep people tied to the app so they can close branches and perhaps harvest data. These banks want to remember that not everyone can afford the latest smartphone or have access to an instant replacement. Especially when they don't allow you to use the card to buy a new phone in the first place. We are all doomed. These smartphones are the work of the devil every action in life almost requires the damn things.

I understand your frustration but many come on these pages bemoaning the fact that banks are willing to use the insecure text system to confirm payments. They can't win, poor banks.

In this particular situation can't you pay by another means? I have many payment cards, I'm sure you do too.

....... there needs to be a method people can use should they lose/break their device.

There is. https://www.supportcentre-rbs.co.uk/Searchable/913246632/If-my-phone-is-lost-or-stolen-can-anyone-log-in-to-the-app-using-an-image-of-my-fingerprint.htm

Sorry I don't see anything relevant on this page in regards to RBS enabling OTP texts. They will suspend the app but it doesn't say anything about the alternatives. 

If my phone is lost or stolen, can anyone log in to the app using an image of my fingerprint? 
You should let us know so we can suspend your mobile banking app.
You also need to tell your mobile phone network provider immediately so they can disable the service to your phone. If you have the 'Find my iPhone' enabled then you can remotely wipe your iPhone via iCloud.

colsten

London7766551 said:

colsten said:

London7766551 said:

EssexExile said:

London7766551 said:

Lightning360 said:

I think quite a few banks are introducing this due to Strong Customer Authentication regulation. Nationwide is introducing it and I read it on another banking site (possibly NatWest's).

As far as I know a OTP text code meets the requirements of the new rules. There is no reason why they cannot turn the text method back on for me and still be within the rules. I expect this is more a push to keep people tied to the app so they can close branches and perhaps harvest data. These banks want to remember that not everyone can afford the latest smartphone or have access to an instant replacement. Especially when they don't allow you to use the card to buy a new phone in the first place. We are all doomed. These smartphones are the work of the devil every action in life almost requires the damn things.

I understand your frustration but many come on these pages bemoaning the fact that banks are willing to use the insecure text system to confirm payments. They can't win, poor banks.

In this particular situation can't you pay by another means? I have many payment cards, I'm sure you do too.

....... there needs to be a method people can use should they lose/break their device.

There is. https://www.supportcentre-rbs.co.uk/Searchable/913246632/If-my-phone-is-lost-or-stolen-can-anyone-log-in-to-the-app-using-an-image-of-my-fingerprint.htm

Sorry I don't see anything relevant on this page in regards to RBS enabling OTP texts. They will suspend the app but it doesn't say anything about the alternatives. 

If my phone is lost or stolen, can anyone log in to the app using an image of my fingerprint? 
You should let us know so we can suspend your mobile banking app.
You also need to tell your mobile phone network provider immediately so they can disable the service to your phone. If you have the 'Find my iPhone' enabled then you can remotely wipe your iPhone via iCloud.

As before. 'suspend' is the same as not having the app.

lopsyfa

colsten said:

London7766551 said:

colsten said:

London7766551 said:

EssexExile said:

London7766551 said:

Lightning360 said:

I think quite a few banks are introducing this due to Strong Customer Authentication regulation. Nationwide is introducing it and I read it on another banking site (possibly NatWest's).

As far as I know a OTP text code meets the requirements of the new rules. There is no reason why they cannot turn the text method back on for me and still be within the rules. I expect this is more a push to keep people tied to the app so they can close branches and perhaps harvest data. These banks want to remember that not everyone can afford the latest smartphone or have access to an instant replacement. Especially when they don't allow you to use the card to buy a new phone in the first place. We are all doomed. These smartphones are the work of the devil every action in life almost requires the damn things.

I understand your frustration but many come on these pages bemoaning the fact that banks are willing to use the insecure text system to confirm payments. They can't win, poor banks.

In this particular situation can't you pay by another means? I have many payment cards, I'm sure you do too.

....... there needs to be a method people can use should they lose/break their device.

There is. https://www.supportcentre-rbs.co.uk/Searchable/913246632/If-my-phone-is-lost-or-stolen-can-anyone-log-in-to-the-app-using-an-image-of-my-fingerprint.htm

Sorry I don't see anything relevant on this page in regards to RBS enabling OTP texts. They will suspend the app but it doesn't say anything about the alternatives. 

If my phone is lost or stolen, can anyone log in to the app using an image of my fingerprint? 
You should let us know so we can suspend your mobile banking app.
You also need to tell your mobile phone network provider immediately so they can disable the service to your phone. If you have the 'Find my iPhone' enabled then you can remotely wipe your iPhone via iCloud.

As before. 'suspend' is the same as not having the app.

I guess the OP's problem is how to approve online shopping with all non-essential shops closed. What if they need to make a purchase urgently while the phone is broken. There should be a way to authorize a transaction without the app.

London7766551

colsten said:

London7766551 said:

colsten said:

London7766551 said:

EssexExile said:

London7766551 said:

Lightning360 said:

I think quite a few banks are introducing this due to Strong Customer Authentication regulation. Nationwide is introducing it and I read it on another banking site (possibly NatWest's).

As far as I know a OTP text code meets the requirements of the new rules. There is no reason why they cannot turn the text method back on for me and still be within the rules. I expect this is more a push to keep people tied to the app so they can close branches and perhaps harvest data. These banks want to remember that not everyone can afford the latest smartphone or have access to an instant replacement. Especially when they don't allow you to use the card to buy a new phone in the first place. We are all doomed. These smartphones are the work of the devil every action in life almost requires the damn things.

I understand your frustration but many come on these pages bemoaning the fact that banks are willing to use the insecure text system to confirm payments. They can't win, poor banks.

In this particular situation can't you pay by another means? I have many payment cards, I'm sure you do too.

....... there needs to be a method people can use should they lose/break their device.

There is. https://www.supportcentre-rbs.co.uk/Searchable/913246632/If-my-phone-is-lost-or-stolen-can-anyone-log-in-to-the-app-using-an-image-of-my-fingerprint.htm

Sorry I don't see anything relevant on this page in regards to RBS enabling OTP texts. They will suspend the app but it doesn't say anything about the alternatives. 

If my phone is lost or stolen, can anyone log in to the app using an image of my fingerprint? 
You should let us know so we can suspend your mobile banking app.
You also need to tell your mobile phone network provider immediately so they can disable the service to your phone. If you have the 'Find my iPhone' enabled then you can remotely wipe your iPhone via iCloud.

As before. 'suspend' is the same as not having the app.

RBS agents claim this is not possible. As per first post I did ask them this. Perhaps you have to say the phone is stolen or lost! In addition it is not clear what happens once you have had the app. This seems to reference when you have never had the app.

DCFC79

Well the faq's state it is possible, maybe theres an option to get the passcode via another method ?

LittleVoice

colsten said:

London7766551 said:

colsten said:

London7766551 said:

EssexExile said:

London7766551 said:

Lightning360 said:

I think quite a few banks are introducing this due to Strong Customer Authentication regulation. Nationwide is introducing it and I read it on another banking site (possibly NatWest's).

As far as I know a OTP text code meets the requirements of the new rules. There is no reason why they cannot turn the text method back on for me and still be within the rules. I expect this is more a push to keep people tied to the app so they can close branches and perhaps harvest data. These banks want to remember that not everyone can afford the latest smartphone or have access to an instant replacement. Especially when they don't allow you to use the card to buy a new phone in the first place. We are all doomed. These smartphones are the work of the devil every action in life almost requires the damn things.

I understand your frustration but many come on these pages bemoaning the fact that banks are willing to use the insecure text system to confirm payments. They can't win, poor banks.

In this particular situation can't you pay by another means? I have many payment cards, I'm sure you do too.

....... there needs to be a method people can use should they lose/break their device.

There is. https://www.supportcentre-rbs.co.uk/Searchable/913246632/If-my-phone-is-lost-or-stolen-can-anyone-log-in-to-the-app-using-an-image-of-my-fingerprint.htm

Sorry I don't see anything relevant on this page in regards to RBS enabling OTP texts. They will suspend the app but it doesn't say anything about the alternatives. 

If my phone is lost or stolen, can anyone log in to the app using an image of my fingerprint? 
You should let us know so we can suspend your mobile banking app.
You also need to tell your mobile phone network provider immediately so they can disable the service to your phone. If you have the 'Find my iPhone' enabled then you can remotely wipe your iPhone via iCloud.

As before. 'suspend' is the same as not having the app.

The FAQ item displayed is if you don't have the app - the OP did have the app.
So if you don't have the app (because you haven't got it on your phone), you "don't use the app" and can get the passcode.  The Op has used the app but can't use it now but that's not because it's not on his (non-working) phone.

colsten

LittleVoice said:

colsten said:

London7766551 said:

colsten said:

London7766551 said:

EssexExile said:

London7766551 said:

Lightning360 said:

I think quite a few banks are introducing this due to Strong Customer Authentication regulation. Nationwide is introducing it and I read it on another banking site (possibly NatWest's).

As far as I know a OTP text code meets the requirements of the new rules. There is no reason why they cannot turn the text method back on for me and still be within the rules. I expect this is more a push to keep people tied to the app so they can close branches and perhaps harvest data. These banks want to remember that not everyone can afford the latest smartphone or have access to an instant replacement. Especially when they don't allow you to use the card to buy a new phone in the first place. We are all doomed. These smartphones are the work of the devil every action in life almost requires the damn things.

I understand your frustration but many come on these pages bemoaning the fact that banks are willing to use the insecure text system to confirm payments. They can't win, poor banks.

In this particular situation can't you pay by another means? I have many payment cards, I'm sure you do too.

....... there needs to be a method people can use should they lose/break their device.

There is. https://www.supportcentre-rbs.co.uk/Searchable/913246632/If-my-phone-is-lost-or-stolen-can-anyone-log-in-to-the-app-using-an-image-of-my-fingerprint.htm

Sorry I don't see anything relevant on this page in regards to RBS enabling OTP texts. They will suspend the app but it doesn't say anything about the alternatives. 

If my phone is lost or stolen, can anyone log in to the app using an image of my fingerprint? 
You should let us know so we can suspend your mobile banking app.
You also need to tell your mobile phone network provider immediately so they can disable the service to your phone. If you have the 'Find my iPhone' enabled then you can remotely wipe your iPhone via iCloud.

As before. 'suspend' is the same as not having the app.

The FAQ item displayed is if you don't have the app - the OP did have the app.
So if you don't have the app (because you haven't got it on your phone), you "don't use the app" and can get the passcode.  The Op has used the app but can't use it now but that's not because it's not on his (non-working) phone.

That's why you need to call RBS and ask them to suspend the app. You will then be a non-app user.

colsten

LittleVoice said:

colsten said:

London7766551 said:

colsten said:

London7766551 said:

EssexExile said:

London7766551 said:

Lightning360 said:

I think quite a few banks are introducing this due to Strong Customer Authentication regulation. Nationwide is introducing it and I read it on another banking site (possibly NatWest's).

As far as I know a OTP text code meets the requirements of the new rules. There is no reason why they cannot turn the text method back on for me and still be within the rules. I expect this is more a push to keep people tied to the app so they can close branches and perhaps harvest data. These banks want to remember that not everyone can afford the latest smartphone or have access to an instant replacement. Especially when they don't allow you to use the card to buy a new phone in the first place. We are all doomed. These smartphones are the work of the devil every action in life almost requires the damn things.

I understand your frustration but many come on these pages bemoaning the fact that banks are willing to use the insecure text system to confirm payments. They can't win, poor banks.

In this particular situation can't you pay by another means? I have many payment cards, I'm sure you do too.

....... there needs to be a method people can use should they lose/break their device.

There is. https://www.supportcentre-rbs.co.uk/Searchable/913246632/If-my-phone-is-lost-or-stolen-can-anyone-log-in-to-the-app-using-an-image-of-my-fingerprint.htm

Sorry I don't see anything relevant on this page in regards to RBS enabling OTP texts. They will suspend the app but it doesn't say anything about the alternatives. 

If my phone is lost or stolen, can anyone log in to the app using an image of my fingerprint? 
You should let us know so we can suspend your mobile banking app.
You also need to tell your mobile phone network provider immediately so they can disable the service to your phone. If you have the 'Find my iPhone' enabled then you can remotely wipe your iPhone via iCloud.

As before. 'suspend' is the same as not having the app.

The FAQ item displayed is if you don't have the app - the OP did have the app.
So if you don't have the app (because you haven't got it on your phone), you "don't use the app" and can get the passcode.  The Op has used the app but can't use it now but that's not because it's not on his (non-working) phone.

That's why you need to call RBS and ask them to suspend the app. You will then be a non-app user.

You may have to use a shortcut i.e. little white lie and say your phone was lost, rather than telling them about your technology issues.

Catplan

Do you have access to a tablet that could run the app?

Polly05

London7766551 said:

Polly05 said:

Yeah I've never had that before.. I used my card online this morning. 

Are you registered for the app? did you get a text instead?

I just tried to buy something for £10 and indeed it still asks me to confirm the payment in the app

Yep I use the app a lot. 
No conformation thing thru the app or text message when I buy stuff.. Maybe I need to update the app...