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

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  • WillPS
    WillPS Posts: 5,149 Forumite
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    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?

    I meant Current Accounts.
  • grumbler
    grumbler Posts: 58,629 Forumite
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    edited 27 September 2023 at 10:09PM
    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.
    Read the thread. FD is the same as HSBC.
    However, it isn't easier to generate a code with a 'secure key' than with a smartphone.

  • 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 ?

    No FD provide a 'digipass' that provides the log in codes.
  • adindas
    adindas Posts: 6,856 Forumite
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    edited 27 September 2023 at 11:06PM
    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. 
    I understand it is just dependency on smart phones that you do not like. Online banking accessing it using internet from your PC, Laptop is fine.
    If it is the case almost all high street traditional banks, with brick-and-mortar locations offer an online access.
    So HSBC, First direct, Halifax, TSB, NatWest, RBS, Metro, Santander, Lloyds, Nationwide BS, a few to name.
    You might still need a non smart phone to receive the access code via sms if you want to access it from home. Alternative they might give you  secure key for access. You could also visit their Branch.

    I personally prefer an online banking rather than mobile banking using apps.


  • km1500
    km1500 Posts: 2,790 Forumite
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    I have one of those HSBC dongle things to log on to my HSBC account

    all you do is press the power on button enter your pin and it generates a logon code for you it is super simple although rather small so if you think it's just too small for your fingers then you can get a larger one
  • dealyboy
    dealyboy Posts: 1,936 Forumite
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    edited 28 September 2023 at 8:48AM
    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.
    Read the thread. FD is the same as HSBC.
    However, it isn't easier to generate a code with a 'secure key' than with a smartphone.

    Thanks grumbler (and others) ...

    I've just phoned FD (no info on the website re. using a physical secure key).

    Apparently it's one or the other, digital xor physical. Whilst the physical key is being ordered the digital secure key is deactivated so although SOs and DDs etc will still be processed, the customer cannot login to either the app or online banking (although 24hr telephone banking will be available).

    When the card arrives the customer needs to activate it via a changed login interface.

    I've decided to stick for reasons of flexibility.

    I presume it's the same for HSBC.
  • grumbler
    grumbler Posts: 58,629 Forumite
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    edited 28 September 2023 at 1:19PM
    dealyboy said:
    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.
    Read the thread. FD is the same as HSBC.
    However, it isn't easier to generate a code with a 'secure key' than with a smartphone.

    ...
    Apparently it's one or the other, digital xor physical. .....

    I presume it's the same for HSBC.


    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.
    ............
    But it's either 'physical' or 'digital', not both.


     :D                
  • Bear in mind that if you choose the dinky keypad device for HSBC or First Direct to login and subsequently lose it, you are as equally stuffed as losing/breaking your phone, and a replacement will probably take a week or more to arrive in the post.

    I'd used Lloyds for many years without the app, and the same online banking platform means Halifax and Bank of Scotland will be just as easy to manage. No devices or card readers needed to login, and you can reset passwords etc via customer service if need be.

  • I switched a dormant account to HSBC earlier this year and I was able to get a physical key device from my local branch with no fuss at all.

    M&S credit cards also require the same type of device.
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