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    • pete_v
    • By pete_v 27th Aug 13, 10:53 AM
    • 56 Posts
    • 115 Thanks
    pete_v
    • #2
    • 27th Aug 13, 10:53 AM
    • #2
    • 27th Aug 13, 10:53 AM
    I did switch banks to avoid them. I also wrote to the new bank letting them know that this was the reason, and asking them to please avoid introducing card readers in future. So far they've shown no plans to do so. (Not that I think my one letter made a difference, but if enough of us made our preferences clear...). Instead, when I set up a payment to a new recipient, they make an automated phone call to my registered number (my mobile) and I type in a code to authorise the transaction. This seems acceptably secure against an attacker somehow accessing the Internet part of my account.

    My friends and I quite often need to transfer money around; Faster Payments has made this quite a practical way to pay for a shared takeaway or trolleyful of shopping for a week away. But more and more people now say "I'll have to do that when I get home, I need one of those card reader things" - that's not progress.

    Pete
  • SawyerLatte
    • #3
    • 27th Aug 13, 6:22 PM
    • #3
    • 27th Aug 13, 6:22 PM
    Agree with pete. I also cited this as a reason when I changed banks, although it wasn't the only one.

    One of the major advantages of internet banking - especially now that more of us have tablets and smartphones - is the ability to access your account anywhere and everywhere. The practice of issuing card readers pretty much limits you to internet banking at home, unless you make a habit of carrying the reader around with you.

    I'm sure there are better alternatives.
    • Torry Quine
    • By Torry Quine 27th Aug 13, 6:28 PM
    • 17,253 Posts
    • 26,865 Thanks
    Torry Quine
    • #4
    • 27th Aug 13, 6:28 PM
    • #4
    • 27th Aug 13, 6:28 PM
    I'm really not bothered either way. As long as it's secure.
    Lost my soulmate so life is empty.

    I can bear pain myself, he said softly, but I couldna bear yours. That would take more strength than I have -
    Diana Gabaldon, Outlander
  • Lagoon
    • #5
    • 27th Aug 13, 6:30 PM
    • #5
    • 27th Aug 13, 6:30 PM
    I'm with the (current) 40%.

    I find it incredibly annoying, and there are some times when I've needed to make a payment but haven't had it with me. Very inconvenient, but not worth switching banks over, for me.
    • teeb
    • By teeb 27th Aug 13, 6:34 PM
    • 388 Posts
    • 191 Thanks
    teeb
    • #6
    • 27th Aug 13, 6:34 PM
    • #6
    • 27th Aug 13, 6:34 PM
    I switched to First Direct to avoid them.

    Now that First Direct is trying to introduce them, I am sorely tempted to switch away - I did write them a letter.

    They are horrible things - especially when you have to use them every time you log in. At least with some banks (like RBS) you only have to use them to send payments to new people, and not just to log in and check balances.
    • Herbalus
    • By Herbalus 27th Aug 13, 10:01 PM
    • 2,367 Posts
    • 2,077 Thanks
    Herbalus
    • #7
    • 27th Aug 13, 10:01 PM
    • #7
    • 27th Aug 13, 10:01 PM
    It's worth noting, for those who are wanting to send payments when they are out and about, that the mobile app doesn't allow you to make add new payees. Surely it can't be too hard to wait until you get home?

    I have accounts with First Direct and Santander. Even though Santander have the OTP code sent to your mobile to make sure the transaction is authorised, they take their time processing new transactions, and query transactions (even blocking the account) to established payees. For this reason I divert all my online payments through First Direct, especially when it's a new payee, because I know that it will work. I just hope the new system, while more irritating than before, retains reliability and doesn't get hung up on security measures.
    • bagby
    • By bagby 28th Aug 13, 12:12 AM
    • 773 Posts
    • 426 Thanks
    bagby
    • #8
    • 28th Aug 13, 12:12 AM
    • #8
    • 28th Aug 13, 12:12 AM
    Hate my card reader. Used to go on banking site all the time, now the reader is upstairs or anywhere but near the computer. So rarely go on site now. Very inconvenient. Can't be bothered to change bank over it tho.
    ..
  • shammyjack
    • #9
    • 28th Aug 13, 7:37 AM
    • #9
    • 28th Aug 13, 7:37 AM
    It would help if the damned things actually worked.

    I am on my 3rd from Smile as in spite of being ultra careful to enter codes correctly the previous 2 have thrown up incorrect calculations and locked themselves and my account.

    I hate the bloody things !
    • alanq
    • By alanq 28th Aug 13, 10:17 AM
    • 4,154 Posts
    • 2,733 Thanks
    alanq
    Customer service champion First Direct is planning to introduce a card reader that you'll always need to get full internet banking facilities.
    Originally posted by MSE Debs
    Get your facts straight MSE. First Direct is not about to introduce a card reader. It will be a SecureKey as currently issued by HSBC. Nor will this security device be a requirement as First Direct will be offering the option of using a smart phone app instead. Two errors in one sentence!!!!
    http://www1.firstdirect.com/1/2/securekey

    Even with identical card readers / security devices different banks require them for different purposes. Some require them to log in others only for making payments or for setting up new payees. Customers' reactions will very much depend on these policies.
    Last edited by alanq; 28-08-2013 at 10:24 AM.
    • kkgree1
    • By kkgree1 28th Aug 13, 11:05 AM
    • 322 Posts
    • 163 Thanks
    kkgree1
    I don't have any problems with card readers generally, though I have seen the older generation struggle using them, particularly my mother in law who has Parkinsons and has very little dexterity. The HSBC secure key is apparently designed to fit in your wallet but she has so many problems using it and apparently there is no alternative! Very tempted to move all her accounts from them but it would be too much for her. I wish the banks would consider this before making internet banking difficult for some of the population!
    • alanq
    • By alanq 28th Aug 13, 11:37 AM
    • 4,154 Posts
    • 2,733 Thanks
    alanq
    and apparently there is no alternative!
    Originally posted by kkgree1
    It seems that there is a large key version though HSBC received criticism for making use of SecureKey mandatory before ensuring that they had adequate stocks (any?) of that version available.

    http://www.youreable.com/forums/showthread.php/818-Disabled-Not-Allowed-to-use-Internet-Banking!
    • MothballsWallet
    • By MothballsWallet 28th Aug 13, 3:14 PM
    • 13,602 Posts
    • 18,902 Thanks
    MothballsWallet
    We still have to pay for new batteries for the things though.

    Unless you request a new one when the batteries go, but that's not very environmentally friendly at all.
    Always ask yourself one question: What would Gibbs do?

    I live in the UK City of Culture 2021
  • Brian Steele
    I don't have a problem with them per se - I use one at my office with HSBC (First Direct's parent company). The trouble is, I transact with my current account both at home and in the office and they will only let me have one device. I certainly don't want to carry it around with me, so would want to keep it in a drawer. But at which location?
    • BNT
    • By BNT 28th Aug 13, 4:18 PM
    • 2,679 Posts
    • 4,203 Thanks
    BNT
    I have one for Barclays, but rarely use it. They have an app that lets me use my phone instead of the card reader and that suits me fine.
    • Torry Quine
    • By Torry Quine 28th Aug 13, 4:43 PM
    • 17,253 Posts
    • 26,865 Thanks
    Torry Quine
    We still have to pay for new batteries for the things though.

    Unless you request a new one when the batteries go, but that's not very environmentally friendly at all.
    Originally posted by MothballsWallet

    I didn't know that. Mine has yet to stop working though!
    Lost my soulmate so life is empty.

    I can bear pain myself, he said softly, but I couldna bear yours. That would take more strength than I have -
    Diana Gabaldon, Outlander
    • alanq
    • By alanq 28th Aug 13, 5:35 PM
    • 4,154 Posts
    • 2,733 Thanks
    alanq
    Over the years I have accumulated several card readers for several bank accounts some of which were closed long ago. None of the readers has stopped working though one of the Nationwide ones (when one didn't arrive I queried it., then it did arrive and so did a second!) has a missing row of pixels.
    • skyeblue
    • By skyeblue 28th Aug 13, 8:59 PM
    • 31 Posts
    • 7 Thanks
    skyeblue
    We bank with Bank of Scotland, Halifax and Santander. None of these have introduced such a thing, as far as we know, so I don't really know what such a device does or how it works. Or is it an English (non Scottish) thing.
    • alanq
    • By alanq 29th Aug 13, 12:32 AM
    • 4,154 Posts
    • 2,733 Thanks
    alanq
    Or is it an English (non Scottish) thing.
    Originally posted by skyeblue
    As used by the Royal Bank Of Scotland.
    http://www.rbs.co.uk/personal/online-banking/g1/existing-customers/staying-safe-online/card-reader.ashx
  • Gwappa
    It should not be an issue at all - the email I received from First Direct explains you have the option to either have a physical keypad, or use an app that runs on an Apple/Android smartphone which means it should not be a problem if you are out an about.
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