Best Way to Save Bank Passwords

Desmond_Hume

GadgetGuru said:

I have my passwords in a password manager, as well as in a note within the Notes app on my phone. 

The Notes app itself cannot be accessed without FaceID or a Passcode being entered.
That particular note is then password protected with a separate password.
So basically the passwords are behind two layers of security. 

I'm sure someone will find something wrong with this as well, but it works for me. 

Why not just use Apples password manager? Really not sure what the Notes app is adding here.  Other than complexity. 

400ixl

DoneWorking said:

Is Last Pass safe and secure

LastPass is the last password manager you should be considering. The free tier is too restrictive and its closed source with a poor history of vulnerabilities.

Use Bitwarden where you will get more than you need for free.

Sarahspangles

I worked for a cybersecurity company for a while. Security analysts and testers would normally suggest using a password manager that generates strong passwords, so the only password you actually need to remember is the password for that app. It needs to be changed regularly. Biometric ID is an improvement on passwords as is multi-factor authentication (such as when an app texts your phone).

But what they also said was that it was important to log into accounts regularly in case they’ve been taken over. Another good idea is to use a different email address for important accounts. Then if your email address is pwned (sic) you can migrate key accounts over to a new one. You can check if some of your data has been leaked via the haveibeenpwned website.

There are bots all over the internet collecting information that hackers may be able to link to email addresses to help them to take over accounts. Posts on Facebook and websites like this inviting you to chat about your first school, first pet, first car, home town are examples.

Having said all that, most people who are hacked actually give their information willingly by clicking links or falling for deception.

UKX69

Murmansk said:

DasTechniker said:

The same as you, I keep all my passwords and info in one small book - but it never leaves the house. I have instructed Mrs Techniker to hand over the book to my daughter if I should keel over, who will then carry out any monetary transactions as Mrs T. does not know her bits from her bytes. 

Seems to me that if you are no longer alive your relatives should not be using your login details to access your accounts as those accounts should be frozen on your death unless they are joint ones? 

The correct thing to do is tell the banks etc what has happened and then they will freeze the accounts and allow access to whoever gets the Grant of Probate.

Correct, all bank and investment accounts are joint with the exception of a few savings accounts with very little in them at the moment. In the process of restructuring our finances. The log-ins I refer to is Mrs T’s own as my daughter would have to guide her. Tech is not her strongest point!

oldernonethewiser

Desmond_Hume said:

GadgetGuru said:

I have my passwords in a password manager, as well as in a note within the Notes app on my phone. 

The Notes app itself cannot be accessed without FaceID or a Passcode being entered.
That particular note is then password protected with a separate password.
So basically the passwords are behind two layers of security. 

I'm sure someone will find something wrong with this as well, but it works for me. 

Why not just use Apples password manager? Really not sure what the Notes app is adding here.  Other than complexity. 

Currently Apple's Password Manager doesn't allow you to store extra info which you may find useful so some people use the Notes app in conjunction with the Password Manager.

Sarahspangles

oldernonethewiser said:

Desmond_Hume said:

GadgetGuru said:

I have my passwords in a password manager, as well as in a note within the Notes app on my phone. 

The Notes app itself cannot be accessed without FaceID or a Passcode being entered.
That particular note is then password protected with a separate password.
So basically the passwords are behind two layers of security. 

I'm sure someone will find something wrong with this as well, but it works for me. 

Why not just use Apples password manager? Really not sure what the Notes app is adding here.  Other than complexity. 

Currently Apple's Password Manager doesn't allow you to store extra info which you may find useful so some people use the Notes app in conjunction with the Password Manager.

If you open the new Password app rolled out in the latest iOS you can save additional notes. It’s still a bit clunky if a bank login requires you to give the 5th, 11th etc digit.

oldernonethewiser

Sarahspangles said:

oldernonethewiser said:

Desmond_Hume said:

GadgetGuru said:

I have my passwords in a password manager, as well as in a note within the Notes app on my phone. 

The Notes app itself cannot be accessed without FaceID or a Passcode being entered.
That particular note is then password protected with a separate password.
So basically the passwords are behind two layers of security. 

I'm sure someone will find something wrong with this as well, but it works for me. 

Why not just use Apples password manager? Really not sure what the Notes app is adding here.  Other than complexity. 

Currently Apple's Password Manager doesn't allow you to store extra info which you may find useful so some people use the Notes app in conjunction with the Password Manager.

If you open the new Password app rolled out in the latest iOS you can save additional notes. It’s still a bit clunky if a bank login requires you to give the 5th, 11th etc digit.

Thats definitely a bonus.  I am sure it will develop but it is a good start for those who like to have everything as part of the Apple walled garden or those who have never considered a password manager before.

sausage_time

For those of us enjoying life outside the Apple walled garden, Google Password manager lets you save notes for each entry.

PRAISETHESUN

Another recommendation for Bitwarden here

Murphybear

Murmansk said:

DasTechniker said:

The same as you, I keep all my passwords and info in one small book - but it never leaves the house. I have instructed Mrs Techniker to hand over the book to my daughter if I should keel over, who will then carry out any monetary transactions as Mrs T. does not know her bits from her bytes. 

Seems to me that if you are no longer alive your relatives should not be using your login details to access your accounts as those accounts should be frozen on your death unless they are joint ones? 

The correct thing to do is tell the banks etc what has happened and then they will freeze the accounts and allow access to whoever gets the Grant of Probate.

That is very true but I am sure there are many couples that can access their OH’s bank account.