No phone signal

stewart37

Hi,
I have been with First Direct for over 30 years . They, as are most banks, are now sending a One Time password to mobile phones.. slight problem we have no phone signal at home. I now have to phone FD to unlock the account for a 15 minute period whenever I want to buy something on line. To say this is inconvenient is an understatement. They have no plans to allow me to receive a password in any other form - I have asked them to email a code or send to the landline - they won't. When I log in to my HSBC business account I have a key code pad which works fine and eliminates the mobile phone no signal. When I log in to the .GOV website they send a log in code to my landline - again this works fine . Why oh why are FD and other banks not taking account of the fact that not everyone has a mobile signal? 
Does any one know which banks use key codes other than HSBC so I can switch accounts?

MSE_James

Do you have a smartphone?  You may be able to verify your card transactions using the app (connected via home wifi rather than the mobile phone network) in lieu of a text message.

Carrot007

MSE_James said:

Do you have a smartphone?  You may be able to verify your card transactions using the app (connected via home wifi rather than the mobile phone network) in lieu of a text message.

Furthermore wifi calling is supported my most recentish smartphones (and despite there being lists still founf on the net by searching afaik no company restricts it anymore, if you phone supports it it will work (if enabled by a text message of app).

(Always works for calls for me but sometimes the phone needs putting in airplane mode and then switch wifi back on to work for text messages).

stewart37

Hi,

Yes, but I dont want to do any banking on my phone. I am old school and only use my mobile for calls and texts when I am out and about.

Carrot007

stewart37 said:

Hi,

Yes, but I dont want to do any banking on my phone. I am old school and only use my mobile for calls and texts when I am out and about.

Well you are free to find another band of not purchase online. Why are you purchasing thiungs online if you do not like "online banking", banks are a lot more secure than retailers.

Things change I doubt keypads will be around much longer, though I fail to see why they do not just let you use google authenticator rather than the silly text message nonsense.

Unfortunatly us people do not get to choose the participation methods these days, just the clueless.

Daliah

stewart37 said:

Hi,

Yes, but I dont want to do any banking on my phone. I am old school and only use my mobile for calls and texts when I am out and about.

Seems you are making life unnecessarily difficult for yourself. Banking with apps is more secure than online banking.

Carrot007

Daliah said:

stewart37 said:

Hi,

Yes, but I dont want to do any banking on my phone. I am old school and only use my mobile for calls and texts when I am out and about.

Seems you are making life unnecessarily difficult for yourself. Banking with apps is more secure than online banking.

Online banking is secure enough. Most of these apps are just shims for the webpage anyway.

Though I guess it's harder to get someone to install a fake app than go to the wrong website. But either way if is the user being persuaded to do something 99.9% of the time.

Daliah

Carrot007 said:

Daliah said:

stewart37 said:

Hi,

Yes, but I dont want to do any banking on my phone. I am old school and only use my mobile for calls and texts when I am out and about.

Seems you are making life unnecessarily difficult for yourself. Banking with apps is more secure than online banking.

Online banking is secure enough. Most of these apps are just shims for the webpage anyway.

The FD app is no 'shim' of their online banking. In fact, I know of no banking app that is, and I use loads of them. New functionality often now appears in the app first, or is only available in the app (e.g. cheque deposit, ID verification, biometric approval and so on). 

Carrot007 said:

Though I guess it's harder to get someone to install a fake app than go to the wrong website. But either way if is the user being persuaded to do something 99.9% of the time.

Goes without saying that apps should only be installed from the Apple AppStore / from GooglePlay.

Online banking can much more easily be hacked than an app, incl. via a fake website that looks exactly like your bank's website.

Brewer21

Get yourself the FD app, I've been a customer too for nearly as long as yourself, never had a problem. I never used to like using my phone for banking, I haven't used anything else but for a few years now, I consider it old school TBH to use a PC now.
All the bank accounts I have I use the app for everything, no probs.

Rob5342

You have various options:

Get a mobile that supports wifi calling, then you can receive text messages via wifi.

Change to a bank like Nationwide that lets you authenticate with a card reader, a bank like Halifax that lets you authenticate by landline or a bank like Monzo that lets you authorise via the app. If you don't want to do a full switch you could get a second account you only use for online shopping.

Zanderman

stewart37 said:

Hi,

Yes, but I dont want to do any banking on my phone. I am old school and only use my mobile for calls and texts when I am out and about.

The suggestion just before you said this was to use wi-fi calling on your phone. 

That's not banking on your phone, it's just your phone being able to get texts over your wi-fi.

Which would solve the problem you have.  If your phone supports wi-fi calling. 

But banking on your phone, as others have said, is much more secure than using web-based banking.