Banking without a mobile, possible?

ChangFai

https://forums.moneysavingexpert.com/discussion/comment/82176228#Comment_82176228

This is wrong, you need a code from the app, before you can access the website.

ChangFai

https://forums.moneysavingexpert.com/discussion/6687613/banking-without-a-mobile-possible

I have an account with Virgin Bank, which originally was Clydesdale Bank, who gave me a small keypad (not sure of the proper name) that I put my PIN into, and it gives me a code to access the website.

This works great for me, especially when overseas.

I keep thinking they will do away with this facility, but when the battery ran out earlier this year, they sent me a new keypad,

I wish other banks would follow suit.

wmb194

https://forums.moneysavingexpert.com/discussion/comment/82176508#Comment_82176508

From the OP's previous post on another thread it's NatWest. The next problem they might have opening new accounts is the lack of a passport.

https://forums.moneysavingexpert.com/discussion/comment/82161514#Comment_82161514

oldernonethewiser

https://forums.moneysavingexpert.com/discussion/comment/82176541#Comment_82176541

Is this for the initial set up?

You definitely don't need an app if using their Secure Key device.

Rob5342

How do you phone people? If you have a home phone then that will probably be costing more than £3.60 for a TCL 5041 from Argos and £3.90 per month for a Spusu sim that has unlimited minutes.

ChangFai

https://forums.moneysavingexpert.com/discussion/comment/82176552#Comment_82176552

No, every time I try to log into their website, I am sent to the app to input the 6 digit code, and only then will the website work.

I complained, as I was disappointed, considering the amount of hoops I had to jump through to open the account, which I only did, because they had a website.

And got "security" as a reply.

oldernonethewiser

https://forums.moneysavingexpert.com/discussion/comment/82176605#Comment_82176605

I don't have an app for my FD account and use their physical Secure Key to sign in on my computer.

GeoffTF

https://forums.moneysavingexpert.com/discussion/comment/82176527#Comment_82176527

This is a good answer. You do not need a phone at all with Nationwide. A dumb phone would give the OP access to a much wider range of accounts. There is no need for a smartphone with most financial service providers. The cheapest Pay As You Go phone and text SIM that I could find costs £4 per month:

https://mobile.asda.com/pay-as-you-go/talk-text/plan

That is not negligible for someone on a very tight budget. Nonetheless, if the OP has money to save, the extra interest that he could earn if he had a phone might more than pay for the SIM.

grumpy_codger

https://forums.moneysavingexpert.com/discussion/comment/82176605#Comment_82176605

It's either the app or a physical secure key. You cannot have both. Request the latter and uninstall the app. You still will be able to use a browser in your smartphone if needed.

pafpcg

Hang on! It's not just the cost of acquiring a mobilephone and SIM that's the issue with expecting everyone to use an app. For some people, using a mobilephone can be difficult or impossible. For example, my partner has declining eyesight making reading text on a tiny screen difficult enough but, with arthritis in the hands, operating a miniscule screen-based touchpad is near impossible. If I go first, I dread to think of how my partner will cope with our current range of accounts…

If considering First Direct, I can heartily recommend the Digipass 302 physical secure key (big screen, proper large keys and even audio playback!) which FD supply to customers with disabilities - just ask via their website.