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

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  • grumbler
    grumbler Posts: 58,629 Forumite
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    F37A said:
    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.
    https://www.hsbc.co.uk/help/security-centre/secure-key/
    If you use online or mobile banking, our physical or Digital Secure Key gives you added protection against fraud. The Secure Key generates a temporary code so only you can access your accounts.

    HSBC boosts protection against online fraud

    They also have a big version for elderly people.
    But it's either 'physical' or 'digital', not both.


  • grumbler
    grumbler Posts: 58,629 Forumite
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    WillPS said:
    I don't think any (licensed) bank account other than Kroo, Chase, Monzo and Starling requires a smartphone.
    Tandem? Al Rayan?

  • Stuart_W
    Stuart_W Posts: 1,794 Forumite
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    Pretty sure the Co-op Bank offer OTPs via email rather than text if preferred. That would actually avoid the need for any phone, smart or otherwise.
  • F37A
    F37A Posts: 333 Forumite
    Third Anniversary 100 Posts Name Dropper
    grumbler said:
    F37A said:
    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.
    https://www.hsbc.co.uk/help/security-centre/secure-key/
    If you use online or mobile banking, our physical or Digital Secure Key gives you added protection against fraud. The Secure Key generates a temporary code so only you can access your accounts.

    HSBC boosts protection against online fraud

    They also have a big version for elderly people.
    But it's either 'physical' or 'digital', not both.


    Thanks. I had a chat with HSBC today at branch. They mentioned that the device in your picture can solve issue. I will try and see what comes of it.
  • subjecttocontract
    subjecttocontract Posts: 2,746 Forumite
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    edited 27 September 2023 at 7:58PM
    I don't have a smartphone. I have accounts with barclays, lloyds, rbs, bank of scotland, hsbc, santander, co-op, tesco, sainsbury, first direct, metro, marcus, tsb and I may have forgotten a few. Some of them provide card readers.
  • Aidanmc
    Aidanmc Posts: 1,317 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    grumbler said:
    WillPS said:
    I don't think any (licensed) bank account other than Kroo, Chase, Monzo and Starling requires a smartphone.
    Tandem? Al Rayan?


    Al Rayan provide a 'hard token' device on request, little device with a camera to scan QR code and enter pin
  • Neil49
    Neil49 Posts: 3,362 Forumite
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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!

    Yes, Lloyds Bank are the same. 
  • dealyboy
    dealyboy Posts: 1,936 Forumite
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    I don't have a smartphone. I have accounts with barclays, lloyds, rbs, bank of scotland, hsbc, santander, co-op, tesco, sainsbury, first direct, metro, marcus, tsb and I may have forgotten a few. Some of them provide card readers.
    Hi ...
    I would have said First Direct needs a smartphone. I have an FD account and need to use the app to generate a key to use when logging in on my laptop. I would like to know an alternative way.

    As has been said smartphones are a pain ... slow to load, slow to connect, fast to touch a button and take you somewhere else, did I say fast ... very fast to to take you to a different place, rotating the screen, trying to scroll but touching another button, leaving you in a box without a clue. Did I say I hate smartphones too @F37A ?
  • twopenny
    twopenny Posts: 7,587 Forumite
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    TSB do online banking through laptop. I'm thinking any security code is sent by text or email whichever you prefer.
    I haven't logged in for a while (bank only 5mins away which is quicker than ramping up my laptop and going through all the security procedures) but that's how it was set up and I was perfectly happy with it.
    I did find it useful twice, when the local lbank lines went awol and I could move money to another account and check if a bill had gone through.
    A TSB branch will help set it up or if you have problems which is a bonus.
    NatWest is a do it yourself afair. So I never did.

    I can rise and shine - just not at the same time!

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  • WillPS
    WillPS Posts: 5,149 Forumite
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    dealyboy said:
    I don't have a smartphone. I have accounts with barclays, lloyds, rbs, bank of scotland, hsbc, santander, co-op, tesco, sainsbury, first direct, metro, marcus, tsb and I may have forgotten a few. Some of them provide card readers.
    Hi ...
    I would have said First Direct needs a smartphone. I have an FD account and need to use the app to generate a key to use when logging in on my laptop. I would like to know an alternative way.

    As has been said smartphones are a pain ... slow to load, slow to connect, fast to touch a button and take you somewhere else, did I say fast ... very fast to to take you to a different place, rotating the screen, trying to scroll but touching another button, leaving you in a box without a clue. Did I say I hate smartphones too @F37A ?
    Call them and ask for a physical secure key. You'll be sent one like the HSBC one pictured upthread.
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