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

[Deleted User]

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.

How does this make the RBS system backward?

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.

The reason it is backwards is because RBS told me to get rid of the card reader and switch to app authentication. The only option to add Amex as a payee was using a card reader. Hence it is backwards. It is nothing to do with Amex. This was within the RBS app.

Okay. You didn't say that RBS told you to get rid of the card reader.

The official advice from RBS (/Natwest /Ulster) is to hang on to your card reader for now, in case you need it, or if you prefer not to use biometrics. From the biometrics FAQ in the app:

This isn't the same thing as the currently alternative to the card reader (you get a prompt and press yes), which is app authentication or text message 2FA. If you turn these on the card reader is withdrawn as an option, at least it never appears as an option to use it again. Apart from when I tried to marry the Amex and RBS apps. When I ordered the card reader it said there was no need and to use the app but I ordered it anyway as at the time my phone was faulty. Hence why it doesn't make sense as some customers will not have a card reader.

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.

Not sure what you mean. I don't need my card reader any longer for RBS as I can do all the approvals through the app.

Yes but that is different to biometrics.

Daliah

[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.

How does this make the RBS system backward?

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.

The reason it is backwards is because RBS told me to get rid of the card reader and switch to app authentication. The only option to add Amex as a payee was using a card reader. Hence it is backwards. It is nothing to do with Amex. This was within the RBS app.

Okay. You didn't say that RBS told you to get rid of the card reader.

The official advice from RBS (/Natwest /Ulster) is to hang on to your card reader for now, in case you need it, or if you prefer not to use biometrics. From the biometrics FAQ in the app:

This isn't the same thing as the currently alternative to the card reader (you get a prompt and press yes), which is app authentication or text message 2FA. If you turn these on the card reader is withdrawn as an option, at least it never appears as an option to use it again. Apart from when I tried to marry the Amex and RBS apps. When I ordered the card reader it said there was no need and to use the app but I ordered it anyway as at the time my phone was faulty. Hence why it doesn't make sense as some customers will not have a card reader.

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.

Not sure what you mean. I don't need my card reader any longer for RBS as I can do all the approvals through the app.

Yes but that is different to biometrics.

I think you might mean that the biometrics that you use to log into your phone and into apps are different to the biometrics used for the RBS approvals. But biometrics are biometrics - i.e. physical characteristics that can be used to uniquely identify an individual.

NateDoggftWarrenG

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???

Daliah

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???

I doubt Nationwide will abandon the card reader any time soon. You will need it less if you use their app (as opposed to online banking).

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.

Bigwheels1111

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.

balsingh

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!

OceanSound

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!

I've not had to use the NatWest card reader since it was sent a few months ago. 

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.

Rob5342

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.

WillPS

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.

[Deleted User]

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