Which banks do NOT use a card reader for online banking?

Rob5342

35har1old said:

4justice2 said:

Santander doesn't use a card reader, uses texts.

Texts are only used when you setup new payee

To login you only require Customer NO: and security NO:

I just logged in to look at my mortgage and it needed me to open the app to authenticate it.

35har1old

Rob5342 said:

35har1old said:

4justice2 said:

Santander doesn't use a card reader, uses texts.

Texts are only used when you setup new payee

To login you only require Customer NO: and security NO:

I just logged in to look at my mortgage and it needed me to open the app to authenticate it.

At the moment i don't have the App

I actually would prefer receiving a text to login 

35har1old

kaMelo said:

Deleted_User said:

Barclays have never sent me any type of reader. All done in the app.

They used to, I still have one but they called it a PIN Sentry rather than a card reader. But, as mentioned above, they have integrated this into their app so the physical card reader is essentially redundant.

Barclays are going down the root of using the app you can't open a current account unless you have the app

Barclays don't have full product availability 24/7 Laptop our app

Using the app might be ok but its driving you into the arms of mobile companies as they stop updating security fix's as the phone ages. Always thought it would be the battery packing in requiring you to upgrade.

35har1old

Daliah said:

namford said:

RG2015 said:

namford said:

WillPS said:

namford said:

sheramber said:

You don’t need one with RBSApp

@sheramber - with RBS have they given you a card reader at all? I heard you needed one when setting up new payees?

You can setup payees and pay less than £1000 all from the app.

If you need to pay more than £1000, you need to use online banking and verify using either a card reader + debit card or facial recognition (which is done using the app).

Awesome, thanks @WillPS This is great to know. Natwest (same parent company as RBS) enforce use of the card reader for new payees, so its unexpected (but welcome!) that RBS doesn't follow suit.

Both NatWest and RBS allow you set up facial recognition on their apps. If you do this, you are not able to use the card reader for setting up new payees. 

Are you 1000% certain? I have spoken with 2 Natwest customer services that told me the biometric measures did not cover setting up new payees & that I would HAVE to use a card reader to do that. Are you speaking from direct experience?  (This matters because I'm about to close a Natwest account I opened for this exact reason). Thanks in advance for your support to discover the truth!

You just have to enable biometric approval in the app to confine the card reader to history, once and for all.

ATM, supported biometrics are fingerprint and face recognition. Voice seems to be on its way.

Although neither Natwest nor RBS are my msin banks, I do use their apps regularly and I am very impressed with their apps. They are definitely amongst the best IMO 

An extract from their biometrics FAQ:

So if you don't have biometric setup you are restricted to £1000 transfer limit per day. But the same restriction does not apply to online banking. I have made several payments in excess of £1000 and never had to use a card reader. It does say it may require one

pridehappy

These are the following banks which require a card reader:

• Nationwide Building Society | Very heavily rely on the card reader currently although I can see it being slowly phased out. For the moment, still vital though so not ideal for everyone.

• HSBC | I deactivated the HSBC mobile app a while ago after running out of storage on my phone (since upgraded), logging onto the internet version of HSBC required a little calculator-style pocket code device (can't remember what they call it). Received it but never seemed to work so just closed the account.
• first direct | Same as HSBC.
  

These don't:

• Virgin Money
• Santander
• Tesco Bank (Credit Card)
• Virgin Money (Credit Card)
• Halifax (Credit Card)
• Lloyds Bank
• Skipton Building Society

OceanSound

pridehappy said:

These are the following banks which require a card reader:

• Nationwide Building Society | Very heavily rely on the card reader currently although I can see it being slowly phased out. For the moment, still vital though so not ideal for everyone.
• ...

I believe it's based on what we do. E.g. if we're making a payment to a new payee, then there's a every likelihood that the card reader will come in to play.

But if we make a payment to a business that we usually make payments to, then probably not. E.g. the other day I made a payment to Santander zero credit card using nationwide mobile app. During the process, I Remember seeing a warning saying the card reader may be necessary, however it never did become necessary. I have made several payments to that credit card using nationwide current account in the past. I have a feeling that may be why I wasn't asked to use card reader. 

I don't remember setting up the initial payment, but pretty sure I would've used card reader.

flaneurs_lobster

I have a Barclays current account held for a year to give access to the Rainy Day saver product.

I set up a second current account last week to use for swapping, all OK but I seem to have triggered the need to be sent a PINSentry card reader. No idea why, the app has work fine up until now.

CSH1

I'm with Lloyds and I have never had to use the app for buying stuff and they don't have a card reader for personal banking, I would like to switch banks for the cash bonus but ease of banking with Lloyds is one thing putting me off, also I have a club account with the free magazine/cinema tickets and higher interest regular saver.   Nationwide is a bit of a pita to use, I have savings there and Nat West which husband has seems like some sort of hell and he has a card reader so following this thread to see how other banks operate.

flaneurs_lobster

CSH1 said:

I'm with Lloyds and I have never had to use the app for buying stuff and they don't have a card reader for personal banking, I would like to switch banks for the cash bonus but ease of banking with Lloyds is one thing putting me off, also I have a club account with the free magazine/cinema tickets and higher interest regular saver.   Nationwide is a bit of a pita to use, I have savings there and Nat West which husband has seems like some sort of hell and he has a card reader so following this thread to see how other banks operate.

 Easiest way to "earn" a switch bonus without changing your current arrangements would be to open an ordinary, second current account with Lloyds (Classic) and swap that. Lloyds generally do not do a hard credit search for additional accounts (if you care about such things).

EDIT Sorry, off topic.

silvercar

My NatWest account hasn't asked me to use the card reader for years. It has replaced it with asking me to blink on the app, face ID already set up.