Bank accounts that do not create dependency on smartphones to use the account

Hi

I would like to do online banking without the need to have a smartphone to access the account. If l lose my smartphone then i have a problem in that i can't make fast online payments. 

also i would like to use the smartphone as little as possible not everytime i make a payment. 

Any ideas on which banks do this. I am with HSBC right now. I lost a smartphone and the stress was increased because i could not make any urgent online payments. 
«13

Comments

  • dealyboy
    dealyboy Posts: 1,686
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    Santander  :). Online and telephone banking ... been with them for 35 years don't have their app.
  • Rob5342
    Rob5342 Posts: 1,357
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    edited 26 September 2023 at 8:35PM
    I'm not sure that many banks actually require a smartphone (modern banks like Monzo obviously do), but if you've used the app they often tend to push notifications over to that.

    With Halifax you can have an automated phone call to numbers you've registered instead. I'd imagine that Lloyds would be the same as they seem to use the same systems with different branding. Nationwide still use card readers for verification, I think they are still learning what a smartphone is!

  • F37A
    F37A Posts: 321
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    dealyboy said:
    Santander  :). Online and telephone banking ... been with them for 35 years don't have their app.
    I really hate apps and smartphones. The number of security measure and password are ridiculous.  So thank god there is a bank account that doesn't link in the smartphone
  • F37A
    F37A Posts: 321
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    Rob5342 said:
    I'm not sure that many banks actually require a smartphone, modern banks like Monzo obviously do , but if you've used the app they often tend to push notifications over to that.

    With Halifax you can have an automated phone call to numbers you've registered instead. I'd imagine that Lloyds would be the same as they seem to use the same systems with different branding. Nationwide still use card readers for verification, I think they are still learning what a smartphone is!

    Brilliant. I will change to one of those very soon.
  • xylophone
    xylophone Posts: 43,854
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    Lloyds works fine on an on line access basis through my laptop.
  • Have accounts with Halifax and FD. Don't use a smartphone to access either.
    Things that are differerent: draw & drawer, brought & bought, loose & lose, dose & does, payed & paid


  • grumbler
    grumbler Posts: 58,629
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    edited 26 September 2023 at 9:17PM
    F37A said:
    Hi

    I would like to do online banking without the need to have a smartphone to access the account. If l lose my smartphone then i have a problem in that i can't make fast online payments


    dealyboy said:
    Santander  :). Online and telephone banking ... been with them for 35 years don't have their app.
    Santander, like most other banks uses OTPs. You don't need a smartphone for this, but if you lose your dumbphone you can't receive an OTP.
    also i would like to use the smartphone as little as possible not everytime i make a payment.  Any ideas on which banks do this. I am with HSBC right now. I lost a smartphone and the stress was increased because i could not make any urgent online payments.

    I went to my medical man.  ...

    “Well, what’s the matter with you?”

    I said:

    “I will not take up your time, dear boy, with telling you what is the matter with me.  Life is brief, and you might pass away before I had finished.  But I will tell you what is not the matter with me.  I have not got housemaid’s knee.  Why I have not got housemaid’s knee, I cannot tell you; but the fact remains that I have not got it.  Everything else, however, I have got.”

    Jerome K. Jerome

    The correct question would be "which banks don't do this". With most you don't need a smartphone, including HSBC where you can use a physical 'secure key' instead of your mobile.



  • F37A
    F37A Posts: 321
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    edited 26 September 2023 at 9:38PM
    grumbler said:
    F37A said:
    Hi

    I would like to do online banking without the need to have a smartphone to access the account. If l lose my smartphone then i have a problem in that i can't make fast online payments


    dealyboy said:
    Santander  :). Online and telephone banking ... been with them for 35 years don't have their app.
    Santander, like most other banks uses OTPs. You don't need a smartphone for this, but if you lose your dumbphone you can't receive an OTP.
    also i would like to use the smartphone as little as possible not everytime i make a payment.  Any ideas on which banks do this. I am with HSBC right now. I lost a smartphone and the stress was increased because i could not make any urgent online payments.

    I went to my medical man.  ...

    “Well, what’s the matter with you?”

    I said:

    “I will not take up your time, dear boy, with telling you what is the matter with me.  Life is brief, and you might pass away before I had finished.  But I will tell you what is not the matter with me.  I have not got housemaid’s knee.  Why I have not got housemaid’s knee, I cannot tell you; but the fact remains that I have not got it.  Everything else, however, I have got.”

    Jerome K. Jerome

    The correct question would be "which banks don't do this". With most you don't need a smartphone, including HSBC where you can use a physical 'secure key' instead of your mobile.



    To my understanding you need to generate a log on code with your smartphone app in order to log on using your laptop. I can't see any secure key option on the online page for HSBC.

    I may keep two dumb phones and keep one at home so that it can never be lost and so i can always make online payment. The other phone i can take out and about. 

    But a smartphone you need for whatsapp that's the only thing.

    I am hoping OTP reduces complexity compared to HSBC app. Even routine payments need extra authorisatioin on HSBC which is annoying.
  • F37A said:
    Hi

    I would like to do online banking without the need to have a smartphone to access the account. If l lose my smartphone then i have a problem in that i can't make fast online payments. 

    also i would like to use the smartphone as little as possible not everytime i make a payment. 

    Any ideas on which banks do this. I am with HSBC right now. I lost a smartphone and the stress was increased because i could not make any urgent online payments. 
    It depends if you mean to previous payees or new ones... Barclays, HSBC (business at least), Lloyds, Nationwide all dont require a smartphone to make a payment to an existing payee online. Most dont require it for a new payee over the phone either.

    These days, it's sensible to have a spare basic smartphone anyway. I cannot work from home, get into our office or do a host of other things without a smartphone.
  • WillPS
    WillPS Posts: 3,043
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    I don't think any (licensed) bank account other than Kroo, Chase, Monzo and Starling requires a smartphone.
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