Halifax, Lloyds Bank of Scotland undocumented online banking security restrictions

Ogre_De_Flamme

You need a phone number in order to fully and consistently use LBG/BOS online banking but sometimes no choice is given between SMS or voice calls for code transmission.

The following may be useful to know because when you need them, you may have to wait days to login or make payments.

When you register for online (web and app based) banking or want to reset your login details, only voice is possible for sending the code.

When logging in from an unrecognised (or suspicious) device, SMS or voice call are the options.

When making a new online banking FPS payments, only voice call is available.

When making online shopping card payments, SMS or voice call are the options.

Activation codes for online banking registration and OTP's for password reset are also sent in the post.

If you change your personal details too often or make too many new payments, you'll get an OTP sent to you in post if not blocked completely as was the case historically.
In summary, the battle against bank fraud is far from over.

Can anyone think of the reasons for the inconsistency in SMS/voice or have found this documented elsewhere?