I need a new friendly EASY TO USE bank

BillMasen

Hi guys, I'm at my wits end, 60 years of easy, friendly simple banking with the Yorkshire bank has been totally ruined by Virgin Moneys take over. Basically I have to ask THEIR permission to spend MY OWN money.   For decades it was enter my debit or credit card details, then the 4 digit pin. 

That was it, SECURE and SIMPLE.

 Now its Verification required, Authenification required, Respond to SMS message ( not easy when you dont have a phone.   Its actually almost impossible to use my VM debit card at all. And for trying to speak to them, guess what? You need to Register on the website, then you phone them, but THEN you need to find another code they send, just so they will answer the phone.

Enough is enough there must be millions of older folks, technically illterate folks, folks with no cell phone or PC out there who face an unclimable mountain of barriers to you beinb ALLOWED  by the banks to spend you own money.

#

I should have the ABSOLUTE right to spend MY money on LEGAL purchases, any way, where or time I like, And ALL I should LEGALLY need is my credit and debit cards details and my 4 digit pin number. NO security codes, NO Verification, no Authentification, No SMS codes, NO we dont like how much of where you are spending it, 

 This is an attack on the human rights of older and less computer literate people who often dont own a PC or Cell Phone.

Today was the last straw, I needed to pay for TWO time sensitive items by 10AM, I went through everything as normal by 9.50, pressed enter to pay.  Virgin Money REFUSED to Authorise me spending my own money, By the time I went through it again it was 10.5 and I lost the chance to buy.

I'm not interest in their utterly pathetic non stop attempts to combsat fraud, all they do is make customers lives more miserable.

I need to find a welcoming, friendly EASY TO USE bank that actually cares for its customers and does not require a degree in computing to navigate.

Please tell me theres a better bank than age discriminating VM

Cheers Bill.

BillMasen

Sorry for the typos, I've been trying since 9 am to simply spend my own money.

elsien

It’s due to the number of people who complain that the bank haven’t protected them when they get scammed.

I think all banks now do two factor authentication, but it doesn’t have to be via a cell phone. Parent was just given the option of a text to her mobile, an email or a call to her landline.
She is 84 and manages the process perfectly well although I realise that isn’t the same for everyone. But you clearly have access to the Internet because you’re on here so you could request the email instead of the text instead?

eskbanker

All banks are now required to implement Strong Customer Authentication (involving two factors) for selected online purchases or online banking access - this isn't age discrimination and is a mandated requirement under the Payment Systems Regulations 2017, so don't expect to go to a different bank and suddenly find that everything is back to the old days without the security measures....

Olinda99

although I sympathize with you somewhat I can only say that it will get worse not better. Technology is here to stay so no.point fighting it.

you say you don't have a cell phone or PC but then say you are trying to buy something by pressing enter - so what are you pressing enter on?

you are already using technology by using a debit card.

the best way forward for you would be for you to buy a mobile phone of some sort so that you can receive the codes

WillPS

Clydesdale took over Virgin Money, and these changes are nothing to do with Clydesdale Bank rebranding as Virgin Money.

What you're describing isn't discrimination either.

mebu60

It's nothing to do with VM's takeover, all banks now implement similar measures not least of which because it is perceived to be the banks' fault when customers are scammed regardless how negligent the customer may have been in many cases. Your frustrations, which many of us share, are the price we all have to pay for this.
The technology isn't going away, smartphones and apps are required for many everyday activities now. I truly feel for those who don't want to engage for whatever reasons but I'd suggest you persevere with VM and learn how to make their processes work for you as best they can. 

wmb194

BillMasen said:

Hi guys, I'm at my wits end, 60 years of easy, friendly simple banking with the Yorkshire bank has been totally ruined by Virgin Moneys take over. Basically I have to ask THEIR permission to spend MY OWN money.   For decades it was enter my debit or credit card details, then the 4 digit pin. 

That was it, SECURE and SIMPLE.

 Now its Verification required, Authenification required, Respond to SMS message ( not easy when you dont have a phone.   Its actually almost impossible to use my VM debit card at all. And for trying to speak to them, guess what? You need to Register on the website, then you phone them, but THEN you need to find another code they send, just so they will answer the phone.

Enough is enough there must be millions of older folks, technically illterate folks, folks with no cell phone or PC out there who face an unclimable mountain of barriers to you beinb ALLOWED  by the banks to spend you own money.

#

I should have the ABSOLUTE right to spend MY money on LEGAL purchases, any way, where or time I like, And ALL I should LEGALLY need is my credit and debit cards details and my 4 digit pin number. NO security codes, NO Verification, no Authentification, No SMS codes, NO we dont like how much of where you are spending it, 

 This is an attack on the human rights of older and less computer literate people who often dont own a PC or Cell Phone.

Today was the last straw, I needed to pay for TWO time sensitive items by 10AM, I went through everything as normal by 9.50, pressed enter to pay.  Virgin Money REFUSED to Authorise me spending my own money, By the time I went through it again it was 10.5 and I lost the chance to buy.

I'm not interest in their utterly pathetic non stop attempts to combsat fraud, all they do is make customers lives more miserable.

I need to find a welcoming, friendly EASY TO USE bank that actually cares for its customers and does not require a degree in computing to navigate.

Please tell me theres a better bank than age discriminating VM

Cheers Bill.

As others have written, it's just the way it is now but if you don't already it's always a good idea to have an alternative current account(s) with a separate bank and possibly a credit card so when time sensitive situations arise you have options.

GeoffTF

You have used the Internet to post this. You can get a new SIM free dumb mobile phone for under £18, and 1p mobile will average out to £2.50 per month.

MikeJXE

Quite simple I would have thought

Use a bank with a local branch

Only shop locally with businesses that take cash 

I could be wrong of course 

Eco_Miser

Virgin Money do have available a token to generate the 2FA codes, rather than using the app or a text to mobile, though they keep rather quiet about it.