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Push towards banking apps

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  • Zanderman said:
    Though to be fair, many of those will send OTPs to a landline, e.g. TSB and others, such as HSBC, Natwest, RBS, Virgin Money will let you log into online banking with a card reader/security token.
    The new fibre-optic cable system (Openreach "Digital Voice") that is gradually replacing the old copper telephone cables does not support SMS text messaging, so you wont be able to receive a text message on your land line.

    The target is to have changed ALL of the UK's copper telephone cables to fibre-optic by the end of 2025. So anyone relying on SMS text messages being sent to their land line will need to consider an alternative such as an on-line SMS message service after 2025.


    That is, as I understand it, incorrect.  Digital voice does not support outgoing text messages.  But it still supports incoming text messages. So, on my understanding, it is wrong (and a little bit scaremongering) to say that landlines won't receive text messages after 2025.

    My apologies, I did not mean to be scaremongering. When I upgraded to Digital Voice all my text messages stopped working - both inbound and outbound. I contacted BT's customer support and they told me that Digital Voice did not support SMS text messaging (the actual quote from BT was "That facility is no longer available on BT Digital Voice". It seems that I was incorrectly advised and Digital Voice can receive inbound SMS text messages.

  • As long as my accountant can get hold of me at my beachfront property in the Bahamas I reckon I can still operate without a smart phone or an app in 2025. 
  • Zanderman
    Zanderman Posts: 4,861 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    As long as my accountant can get hold of me at my beachfront property in the Bahamas I reckon I can still operate without a smart phone or an app in 2025. .  
    That's missing the point, squire. Your servant, the accountant, will be doing your banking and will be needing a smartphone.  
  • km1500 said:
    Apart from letting us know that Mr Jacopo de Simone is a handsome chap with an attractive girlfriend called Alicia, that article is very light on any useful information on how the bad people accessed a secured banking app on a secured phone and therefore how others might avoid the same fate.
  • km1500
    km1500 Posts: 2,790 Forumite
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    edited 27 January 2023 at 9:56AM
    Exactly right. I can only assume the person used the same pin for banking app as for eg unlocking phone and was shoulder-surfed

    Adding a new payee - well some banks send a OTC so if they had the phone they could get that.

    Edit: if you have a Samsung Galaxy S series phone I would recommend installing your banking apps in the secure folder and use a unique PIN to open that folder
  • km1500 said:

    Edit: if you have a Samsung Galaxy S series phone I would recommend installing your banking apps in the secure folder and use a unique PIN to open that folder
    Very good idea, not just S, my A52 has the same feature. Setting it up now.
  • k_man
    k_man Posts: 1,636 Forumite
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    km1500 said:
    Exactly right. I can only assume the person used the same pin for banking app as for eg unlocking phone and was shoulder-surfed

    Adding a new payee - well some banks send a OTC so if they had the phone they could get that.

    Edit: if you have a Samsung Galaxy S series phone I would recommend installing your banking apps in the secure folder and use a unique PIN to open that folder
    In the BBC article, they claim not:

    "I don't access my phone using a pin code - I use facial recognition. My Barclays pin is different to my phone pin and they'd need to have both of them."

    Isn't facial recognition/biometric a bit of a red herring though, as there still an underlying PIN/passcode? Albeit prevents shoulder surfing.

    SMS (or other messages) shown on lock screens is a big risk.
    IIRC there was an issue with Santander, where a stolen card and phone allowed registering of the card to a new device, using the OTP shown on the stolen phone.

    I am sure there is a bit more to this story.


  • k_man said:
    km1500 said:
    Exactly right. I can only assume the person used the same pin for banking app as for eg unlocking phone and was shoulder-surfed

    Adding a new payee - well some banks send a OTC so if they had the phone they could get that.

    Edit: if you have a Samsung Galaxy S series phone I would recommend installing your banking apps in the secure folder and use a unique PIN to open that folder
    In the BBC article, they claim not:

    "I don't access my phone using a pin code - I use facial recognition. My Barclays pin is different to my phone pin and they'd need to have both of them."

    Isn't facial recognition/biometric a bit of a red herring though, as there still an underlying PIN/passcode? Albeit prevents shoulder surfing.

    SMS (or other messages) shown on lock screens is a big risk.
    IIRC there was an issue with Santander, where a stolen card and phone allowed registering of the card to a new device, using the OTP shown on the stolen phone.

    I am sure there is a bit more to this story.


    Exactly my point. I know it's not a technical article but the valid points you make (and other guidance or advice) could have been addressed or linked to.

    Personally, I've decided that it's not necessary to have every financial institution's app on my phone. Really hurts my inner geek but it just makes sense. And the advice about nor showing notifications on a lock screen is good.
  • km1500
    km1500 Posts: 2,790 Forumite
    1,000 Posts Second Anniversary Name Dropper
    edited 27 January 2023 at 11:11AM
    km1500 said:

    Edit: if you have a Samsung Galaxy S series phone I would recommend installing your banking apps in the secure folder and use a unique PIN to open that folder
    Very good idea, not just S, my A52 has the same feature. Setting it up now.
    Barclays is the only bank I found that used to not support secure folder but that may have changed now

    Make sure you only specify the PIN to unlock the folder eg no fingerprint etc
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