CHIP - contact if mobile phone unavailable?

Yellowman

With CHIP, what is the procedure for accessing an account if the mobile phone is lost or broken?

masonic

You can normally get a replacement SIM within a few days. In the event you cannot retain your old number, you'd need to contact them to associate your account with your new number (which will mean going through ID verification again). You can contact them via email for advice if you find yourself in this situation.

I don't know if Chip allows you to log in from multiple devices (e.g. a tablet and phone). This can serve as a useful backup option, but not all providers support it.

I'd always recommend keeping enough money in a non app-only account to cover your spending needs for at least a week or two in case of such an event.

Yellowman

Atom provides a telephone number which can be used to withdraw all funds over the phone if a mobile is lost (unless a new mobile is obtained).

CHIP does not provide a contact telephone number for this purpose, hence my question.

grumbler

The provide a e-mail address - hello@getchip.uk

cing0

I wondered with app only banks if a cloud/hosted  android virtual device could be used so customers can use a PC instead of phone/tablet.

masonic

cing0 said:

I wondered with app only banks if a cloud/hosted  android virtual device could be used so customers can use a PC instead of phone/tablet.

If you can make the virtual device look sufficiently like it is running on a non-rooted hardware phone or tablet, then it should work, yes. The challenge is in the configuration and defeating the banking app's device security checks.

If it is something that you are familiar with, then I'd encourage you to give it a try and report your findings as it could be very helpful to some folk.

fonesaver

masonic said:

You can normally get a replacement SIM within a few days. In the event you cannot retain your old number, you'd need to contact them to associate your account with your new number (which will mean going through ID verification again). You can contact them via email for advice if you find yourself in this situation.

I don't know if Chip allows you to log in from multiple devices (e.g. a tablet and phone). This can serve as a useful backup option, but not all providers support it.

I'd always recommend keeping enough money in a non app-only account to cover your spending needs for at least a week or two in case of such an event.

Yes the Chip app can be installed on multiple devices unlike Chase.

AmityNeon

Only one device can be active at a time. Setting up Chip on another device requires SMS confirmation and logs you out of your previous device, so a secondary device won't help if you lose the ability to receive an SMS to your registered mobile number. The Chip app is functional on emulated Android and Open Banking transfers can be conducted via a web browser (necessary for bank apps that aren't compatible with virtual devices).

grumbler

fonesaver said:

masonic said:

You can normally get a replacement SIM within a few days. In the event you cannot retain your old number, you'd need to contact them to associate your account with your new number (which will mean going through ID verification again). You can contact them via email for advice if you find yourself in this situation.

I don't know if Chip allows you to log in from multiple devices (e.g. a tablet and phone). This can serve as a useful backup option, but not all providers support it.

I'd always recommend keeping enough money in a non app-only account to cover your spending needs for at least a week or two in case of such an event.

Yes the Chip app can be installed on multiple devices unlike Chase.

Does this mean that anyone who finds my phone with a SIM that isn't locked, can put this SIM into another phone, install Chip app there and get access to my account?

I was told earlier that a fingerprint is needed only to unlock the app. If so, the only authentication factor remaining that is needed is the code sent by a SMS.

masonic

grumbler said:

fonesaver said:

masonic said:

You can normally get a replacement SIM within a few days. In the event you cannot retain your old number, you'd need to contact them to associate your account with your new number (which will mean going through ID verification again). You can contact them via email for advice if you find yourself in this situation.

I don't know if Chip allows you to log in from multiple devices (e.g. a tablet and phone). This can serve as a useful backup option, but not all providers support it.

I'd always recommend keeping enough money in a non app-only account to cover your spending needs for at least a week or two in case of such an event.

Yes the Chip app can be installed on multiple devices unlike Chase.

Does this mean that anyone who finds my phone with a SIM that isn't locked, can put this SIM into another phone, install Chip app there and get access to my account?

I was told earlier that a fingerprint is needed only to unlock the app. If so, the only authentication factor remaining that is needed is the code sent by a SMS.

You can set up biometrics to unlock the app, but as with all secure biometric access, this is specific to the device on which you activate it and never leaves that device. On a new device, there would not be the option to use biometrics until after a successful login, and those biometrics would be the ones stored on the new device.

No app security is set up by default, but you have the option to set a PIN, which is requested when opening the app. I believe this is a prerequisite of the biometric lock and is the secret that the biometric challenge unlocks. Therefore, if someone got hold of your SIM and it didn't have a SIM-PIN (or they did a SIM swap attack), then they could download the app, enroll the new device, but would need the app PIN to get in to your account.

k_man

Fingerprint settings are specific to each device.
When enabled for Chip, it prevents easy/quick access to the app, should someone get access to your unlocked mobile.

If someone gets your SIM, they could setup Chip (and Tandem, and WhatsApp, and a number of other apps, depending on account configuration).

But the worst they could do is transfer all your money out into one of your existing connected accounts.
Or sign you up for a monthly paid for account, or auto savings  

ETA: or mostly what @masonic said.
I forgot about the PIN, as Tandem is similar, but has no PIN option.