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

London7766551

colsten said:

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.

Right, after going around the houses with RBS I can confirm if the app is suspended (because your phone is "lost") then you will then be able to receive OTP texts again, without the need for the app. So drama over. RBS should just enable an option within their online banking instead of making us jump via hoops.

London7766551

Catplan said:

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

Catplan said:

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

No I only have a mobile or laptop. But sorted now. I am not sure I will register for the app again as it seems somewhat of a trap!

sheramber

Your title is misleading as those of us who have  not have opted for the  app can buy online.

London7766551

sheramber said:

Your title is misleading as those of us who have  not have opted for the  app can buy online.

Corrected. Although it was not misleading at the time of posting as it was not clear what the RBS policy was, and their website is not very clear either. 

I am sure RBS will come along soon enough to force everyone onto the app.

VXman

London7766551 said:

Right, after going around the houses with RBS I can confirm if the app is suspended (because your phone is "lost") then you will then be able to receive OTP texts again, without the need for the app. So drama over. RBS should just enable an option within their online banking instead of making us jump via hoops.

With Virgin Bank you need the app to access online banking via a computer so even more fkd. Not sure I like the way online banking is going.

VXman

DCFC79 said:

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

Yes - post maybe?

lozzy81

I have the app and don't get asked to verify ever purchase, for example I can buy my sainsbobs online order without verifying in the app but when I paid British gas I was asked to verify it, I bought something from Birchbox and again no verifying in the app. I'm so glad I'm now aware this could be a problem if my phone is broken or lost in future!! 

nottsphil

sheramber said:

Your title is misleading as those of us who have  not have opted for the  app can buy online.

London7766551 said:

sheramber said:

Your title is misleading as those of us who have  not have opted for the  app can buy online.

Corrected. Although it was not misleading at the time of posting as it was not clear what the RBS policy was, and their website is not very clear either. 

I don't know what the original title was but it's now misleading in another way!
 I registered for the RBS app but find I can still buy things online without involving RBS at all

London7766551

nottsphil said:

sheramber said:

Your title is misleading as those of us who have  not have opted for the  app can buy online.

London7766551 said:

sheramber said:

Your title is misleading as those of us who have  not have opted for the  app can buy online.

Corrected. Although it was not misleading at the time of posting as it was not clear what the RBS policy was, and their website is not very clear either. 

I don't know what the original title was but it's now misleading in another way!
 I registered for the RBS app but find I can still buy things online without involving RBS at all

It would appear it is only triggered for certain purchases. Everyone I tried it asked.

KxMx

I have the HSBC app but shied away from a Digital Secure Key and instead kept my physical one. 

Apps can and do go down, HSBC had a 3 day outage recently and seeing how many people were locked out of account access due to having a Digital Secure Key I'm happy with my choice!