physical card readers

flaneurs_lobster

noh said:

adindas said:

housebuyer143 said:

You know it's not one or the other right? You can still access it online but the app is additional.

..........Some people here are banking with more than twenty financial institutions

Are they going to install all of them on their mobile devices??.........

Yes some are. I just counted my banking and savings apps the total is 27 and that doesn't include the credit card apps or Sharedealing app

26 on my phone that doesn't leave the house, 3 on the one that does.

Apps are simply much easier/quicker to access account details on, but I accept that there are inherent risks in carrying that ease of use around in your pocket.

pridehappy

Nationwide Building Society is the only bank I’ve used which still requires one, however, they have admitted they are slowly moving away from it (new transactions can now be made with face ID/passnumber like all others).

Without digital secure key, HSBC and first direct still use a tiny “Digital Secure Key” which is horrific to use and my final one didn’t even work properly before I closed my account in-branch. 

B0bbyEwing

flaneurs_lobster said:

B0bbyEwing said:

Baffled by the opening post tbh.

Quote it and explain your bafflement.

Otherwise your comment is simply baffling.

I actually did but then I thought someone somewhere would end up upset so deleted it & re-did it to my previous post which I thought surely couldn't upset even the most sensitive soul.

But in a nutshell, my OP just basically said I couldn't understand how they're asking if they still need a card reader & immediately follow it up with the words "i use nationwide" ..... who insist on using a card reader system, therefore answering their own question immediately after they asked it.

boingy

I had to use one yesterday to close a Nationwide regular saver. Next to the one I used (branded "Co-op") are three more unbranded, unused ones, still with the bit of plastic sticking out of the battery slot. Can't remember which banks sent them to me but I assume one of them was Nationwide.

I've also been on RBS online today to close another regular saver. It might be the first time I have logged in online rather than with the app and it somewhere along the way they said "We'll send you a card reader". So that will take my tally to five. Not so much single-use plastic as zero-use plastic.

eskbanker

B0bbyEwing said:

flaneurs_lobster said:

B0bbyEwing said:

Baffled by the opening post tbh.

Quote it and explain your bafflement.

Otherwise your comment is simply baffling.

I actually did but then I thought someone somewhere would end up upset so deleted it & re-did it to my previous post which I thought surely couldn't upset even the most sensitive soul.

But in a nutshell, my OP just basically said I couldn't understand how they're asking if they still need a card reader & immediately follow it up with the words "i use nationwide" ..... who insist on using a card reader system, therefore answering their own question immediately after they asked it.

Doesn't seem baffling to me - OP is clearly asking if banks other than Nationwide insist on card readers, in the full knowledge that Nationwide do:

tiger135 said:

do i still need card readers? 
i use nationwide and they still require it for bacs payments.
do other banks still require these devices? 

Middle_of_the_Road

I've got four, Natwest's one, also been using it with nationwide, RBS, Ulster and Nationwide ones still unopened. 

35har1old

dealyboy said:

I am not too troubled by card readers (have 4) or security key devices (1), I want the simplest means of accessing my account commensurate with security.

All the banks seem to have a complexity of login methods, from FD which require me to get a key from the app before I can login to my laptop online banking, to RBS and NatWest which send an OTP to my smartphone (not the linked number) when I login to online banking. I don't use my smartphone much, leaving it switched off, and it takes about 5 minutes to switch on and get a WIFI connection.

Surprisingly the easiest bank to use for me is Santander, just a couple of codes/ids and I'm in (online banking), considering that a just a few years ago it was the most onerous.

I do agree though with @housebuyer143 that flexibility to be able to use an app, phone call or internet banking, is a must.

What Santander removed was enchanced security.
When you logged on it brought up a image which you had chosen this confirmed to you that you had entered a legitimate site.
Just because it's easy doesn't mean. it's good

Section62

35har1old said:

dealyboy said:

I am not too troubled by card readers (have 4) or security key devices (1), I want the simplest means of accessing my account commensurate with security.

All the banks seem to have a complexity of login methods, from FD which require me to get a key from the app before I can login to my laptop online banking, to RBS and NatWest which send an OTP to my smartphone (not the linked number) when I login to online banking. I don't use my smartphone much, leaving it switched off, and it takes about 5 minutes to switch on and get a WIFI connection.

Surprisingly the easiest bank to use for me is Santander, just a couple of codes/ids and I'm in (online banking), considering that a just a few years ago it was the most onerous.

I do agree though with @housebuyer143 that flexibility to be able to use an app, phone call or internet banking, is a must.

What Santander removed was enchanced security.
When you logged on it brought up a image which you had chosen this confirmed to you that you had entered a legitimate site.
Just because it's easy doesn't mean. it's good

I don't think that really counted as 'enchanced security'.

The 'security' image approach risks giving people a false sense of security in some situations (e.g. 'man-in-the-middle type attacks) because it reassures them all is well when that may not be the case.

It certainly doesn't confirm you have entered a legitimate site.  It just shows a legitimate site - or a hacker - knows which image you selected.