We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Which banks do NOT use a card reader for online banking?
Options
Comments
-
Daliah said:[Deleted User] said:Daliah said:RG2015 said:[Deleted User] said:RG2015 said:[Deleted User] said:RBS have a very backward system, I went into the Amex app to pay for bill, it stated you can do a direct bank transfer instead of card payment. I clicked ok and it opened the RBS app which then asked for a card reader.
The RBS security protocol requires a new payee to be authorised with a second factor, one of which is a card reader.
A direct bank transfer from RBS is a payment to a third party.
It actually sounds like Amex have a backward system.
If you read the page:
https://www.rbs.co.uk/banking-with-royal-bank-of-scotland/how-to/card-reader.html
It is a bit you need it, but don't really need it, and it doesn't metion of the current text or app prompt option.0 -
[Deleted User] said:Daliah said:[Deleted User] said:Daliah said:RG2015 said:[Deleted User] said:RG2015 said:[Deleted User] said:RBS have a very backward system, I went into the Amex app to pay for bill, it stated you can do a direct bank transfer instead of card payment. I clicked ok and it opened the RBS app which then asked for a card reader.
The RBS security protocol requires a new payee to be authorised with a second factor, one of which is a card reader.
A direct bank transfer from RBS is a payment to a third party.
It actually sounds like Amex have a backward system.
If you read the page:
https://www.rbs.co.uk/banking-with-royal-bank-of-scotland/how-to/card-reader.html
It is a bit you need it, but don't really need it, and it doesn't metion of the current text or app prompt option.0 -
Thanks for a great thread all. I've just switched to Nationwide yesterday and have discussed they require you to use a card reader for many online payments, which having switched from Natwest is incredibly annoying. Any chance they may drop this soon, and if not is there any penalty for switching bank accounts in rapid succession???0
-
NateDoggftWarrenG said:Thanks for a great thread all. I've just switched to Nationwide yesterday and have discussed they require you to use a card reader for many online payments, which having switched from Natwest is incredibly annoying. Any chance they may drop this soon, and if not is there any penalty for switching bank accounts in rapid succession???
There is generally no penalty for switching bank accounts in rapid succession - - - though some switch offers require that you keep the account for a certain number of days or months before they pay you the full bonus; one or two others won't let you apply for an account again within 12 months.0 -
All the bank accounts I have use the pin things.
But since I put the apps on my iPad and use Face ID, I’ve not needed or used the card reader.
0 -
Sorry to revive and old thread but was wondering if anyone knows if anything has changed at Nationwide or Natwest? Is a card reader still needed with those? With the recent switching bribes last year and likely new ones on the way, was hoping one of these may have changed strategies on the card reader!If you found my comment helpful, please click the 'Thanks' button below :T0
-
balsingh said:Sorry to revive and old thread but was wondering if anyone knows if anything has changed at Nationwide or Natwest? Is a card reader still needed with those? With the recent switching bribes last year and likely new ones on the way, was hoping one of these may have changed strategies on the card reader!
Have been prompted to use biometric face recognition via app though.
Nationwide on the other hand have asked for the card reader- even when using the App!
I think that's because Nationwide do not have the fancy pants biometric recognition features on their App.1 -
My daughter has a Nationwide current account and still needs to use the card reader for or new payees. As soon as she is 16 she will switch to Starling.
0 -
Nationwide still need it, although less often than before as they now offer 2FA text messages in some situations - most recently when I was setting up an open banking integration for Yougov.Natwest Group offer their proprietary facial checks via the app instead of card readers, but will still send you a card reader which you'll need to use to get the biometric stuff set up and presumably as a fallback option.Similarly Barclays will send one but you shouldn't need it once you've got your app fully set up as that has an integrated 'PINsentry' feature.Triodos Bank insist on use of a single purpose fob rather than a card reader.1
-
Barclays have never sent me any type of reader. All done in the app.
0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards