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  • FIRST POST
    • Squire Fulwood
    • By Squire Fulwood 21st Jul 19, 1:14 PM
    • 383Posts
    • 239Thanks
    Squire Fulwood
    Owning a mobile phone will soon be compusory.
    • #1
    • 21st Jul 19, 1:14 PM
    Owning a mobile phone will soon be compusory. 21st Jul 19 at 1:14 PM
    My bank (Santander) uses customer's mobiles as part of its security measures. I once questioned this and was told that if I didn't then I would get a reduced banking service. I bought a phone and they did not/do not contribute.

    Now as part of their proposed security upgrade they say this ...

    Will I be able to continue using Online Banking without a mobile?

    We require you to have a mobile phone because for some transactions we need to text you a One Time Passcode for authorisation. This is highlighted in our terms and conditions.”

    So people with poor coverage or no phone at all will now get no service at all with this bank since it will be required in order to sign in. The title should have said compulsory.
    Last edited by Squire Fulwood; 21-07-2019 at 1:16 PM. Reason: bad spleling.
    It's not my fault your honour, they made me do it.
Page 3
    • vacheron
    • By vacheron 15th Aug 19, 12:41 PM
    • 1,020 Posts
    • 998 Thanks
    vacheron
    OP. if Santander won't let you bank properly without a mobile phone just switch banks to one with a £100-150 switching incentive and use that to buy a nice basic smartphone as well.
    ē The rich buy assets.
    ē The poor only have expenses.
    ē The middle class buy liabilities they think are assets.
    Robert T. Kiyosaki
    • Squire Fulwood
    • By Squire Fulwood 16th Aug 19, 9:15 AM
    • 383 Posts
    • 239 Thanks
    Squire Fulwood
    OP. if Santander won't let you bank properly without a mobile phone just switch banks to one with a £100-150 switching incentive and use that to buy a nice basic smartphone as well.
    Originally posted by vacheron
    Thanks for the suggestion but it has already been mentioned (not the £100-£150 bit). It doesn't help the people that have no signal coverage, handicap or just exercise the right not to own a mobile phone.

    It has also been suggested that I might have known about this problem when I joined. I joined in 1970 and the bank keeps moving the goalposts.

    To all the contributors who are happy with the proposed arrangement, I am pleased for you.
    It's not my fault your honour, they made me do it.
    • headoffinance
    • By headoffinance 21st Aug 19, 12:19 PM
    • 15 Posts
    • 4 Thanks
    headoffinance
    I don't agree with this being mandatory as there is still a lot of people that don't use mobile phones! Fortunately i have a mobile phone and i do bank with Santander so i have no problems there. I do honestly think there should be an option for using the telephone instead.
    • General Grant
    • By General Grant 21st Aug 19, 3:38 PM
    • 1,160 Posts
    • 1,077 Thanks
    General Grant
    I've recently purchased a mobile phone in order to be able to bank online and now find Lloyds (and Halifax) are determined to send me texts to say accounts are at or close to the limit and to do something about it.

    I didn't provide my mobile number to be bombarded with these texts and have been able to opt out of receiving texts and calls for marketing purposes but there is no way of opting out of these alerts except by sending a Stop text back. I didn't provide the number for the purpose they are now using it (and don't need this "service").

    And I don't need to receive a text to say that there's only £1 in an account when the only outgoing each month is a £1 SO.
    • whitegoods_engineer
    • By whitegoods_engineer 21st Aug 19, 6:25 PM
    • 604 Posts
    • 804 Thanks
    whitegoods_engineer
    Come on!! This is the 21st Century!

    A smart phone can be bought for £10 and if nothing else, it's useful in an emergency or National crisis or accident, etc.

    It's a pretty standard item to carry these days. Nobody is saying you must take it out with you. The bank uses it as an extra security layer, which is sensible.

    You can be a Luddite and refuse to carry a phone or have a television set, but anybody who does, is just a little bit eccentric.

    Get a cheap mobile and top-up sim card and the 'problem' is solved. Alternatively, you can bang on about how these corporations are forcing you to adopt these modern new-fangled technological thingies, but really, just get a mobile. It'll cost you £20 quid with a sim card, if that!

    You're on the Internet, discussing this on an Internet forum for heavens sake!
    • molerat
    • By molerat 21st Aug 19, 10:36 PM
    • 21,395 Posts
    • 15,653 Thanks
    molerat
    Come on!! This is the 21st Century!

    A smart phone can be bought for £10 and if nothing else, it's useful in an emergency or National crisis or accident, etc.

    It's a pretty standard item to carry these days. Nobody is saying you must take it out with you. The bank uses it as an extra security layer, which is sensible.

    You can be a Luddite and refuse to carry a phone or have a television set, but anybody who does, is just a little bit eccentric.

    Get a cheap mobile and top-up sim card and the 'problem' is solved. Alternatively, you can bang on about how these corporations are forcing you to adopt these modern new-fangled technological thingies, but really, just get a mobile. It'll cost you £20 quid with a sim card, if that!

    You're on the Internet, discussing this on an Internet forum for heavens sake!
    Originally posted by whitegoods_engineer
    How does owning a mobile phone help in an area with no mobile signal ? Don't say wi-fi calling because that is not a universally available service. https://www.simsherpa.com/networks/best-wifi-calling And what about the guidance from the FCA that states for those, amongst other groups, without a mobile / smart phone or limited mobile network access
    PSPs must provide a viable means to strongly authenticate customers in these situations.
    Last edited by molerat; 21-08-2019 at 11:05 PM.
    https://www.helpforheroes.org.uk/give-support/donate-now/
    • Fire Fox
    • By Fire Fox 22nd Aug 19, 9:07 AM
    • 25,155 Posts
    • 29,398 Thanks
    Fire Fox
    You seem to be suggesting that thereís something outright wrong about this. The world is changing, as it always has been, and technology marches onwards. This means that yes, there will be services that you can no longer access sometimes if you lag behind..
    Originally posted by Kentish Dave
    What you describe as 'lagging behind' is a widening gap between the haves and have-nots.

    Plenty of singletons do not have the disposable income for all the essential gadgets, technology, contracts ... and nowhere to secure them in shared accommodation or as a lodger.

    It comes down to a commercial / regulatory decision by your bank. They know that the occasional customer will need to move on but also know that they have to comply with regulations and that itís prohibitively expensive to cater to everyone.
    Originally posted by Kentish Dave
    Which? are suggesting it a significant minority could be affected

    "However, when we surveyed 1,838 Which? members in March 2019, nearly one in five told us they could be excluded from making online card payments entirely, either because they donít own a mobile phone (4%) or have poor mobile phone signal at home (13%)."

    TV license fee is regulations too: but to access a huge chunk of the services BBC constantly brag about you need broadband ... and a landline and a far newer TV. Hardly anyone I know socially has this, I am the exception.

    Thankfully my bank - Coop - aren't trying to force me to have a mobile telephone. Instead I am dealing with a second batch of contactless fraud (one card cloned/ one card lost or stolen). This time over twenty completely out-of-character transactions.

    Both times I requested no contactless, both times Coop send another contactless card. I cannot understand how chip-and-PIN superceded signatures for security, then contactless and hang the security.... IMO should be opt-in not a PITA to opt out of.

    Sorry ranty.
    Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️
    • AndyPix
    • By AndyPix 22nd Aug 19, 11:10 AM
    • 4,428 Posts
    • 3,980 Thanks
    AndyPix
    Iíve just got in from a terrible trip home. Wailing Street has been paved over, and the bloody police told me that I canít ride my horse along it any more.

    I asked how I am supposed to get home, and was told Iíll have to buy a bicycle, with lights, if I want to use it in future.

    What right does anyone have to put me to this expense when Iíve been perfectly happy on my horse for so many years?
    Originally posted by Kentish Dave

    Pfff - next they will be insisting that I have a front door , with a letter box in it !!
    So I can receive letters that they send me - all at my expense too ! They wont even help pay for the upkeep !!


    OP im afraid that times change, and you can choose to either keep up, or not.


    Im sure you would be the first to complain about the LACK of security / 2fa if your bank account got rinsed by a scammer who had obtained you banking creds
    Running with scissors since 1978
    • General Grant
    • By General Grant 22nd Aug 19, 4:30 PM
    • 1,160 Posts
    • 1,077 Thanks
    General Grant

    A smart phone can be bought for £10
    Originally posted by whitegoods_engineer
    Please tell me where.
    • whitegoods_engineer
    • By whitegoods_engineer 24th Aug 19, 3:13 PM
    • 604 Posts
    • 804 Thanks
    whitegoods_engineer
    Please tell me where.
    Originally posted by General Grant
    Gumtree, Facebook, Car boot.
    • twhitehousescat
    • By twhitehousescat 27th Aug 19, 8:29 PM
    • 4,193 Posts
    • 5,204 Thanks
    twhitehousescat
    lloyds bank have just held up an online purchase and sent me a txt asking me to enter a "pin" number

    my phone was in the car , and wife was running son to airport
    Last edited by twhitehousescat; 27-08-2019 at 8:58 PM.
    Time pretending I was asleep whilst under his desk , has given me insight to this sordid world
    • giraffe69
    • By giraffe69 1st Sep 19, 5:17 PM
    • 2,771 Posts
    • 2,405 Thanks
    giraffe69
    There is a big change in the way people bank and, for example, branches are closing because fewer people use them. You can't use cash on London Underground or buses any more and this is spreading. You can use your phone to pay for many things or a contactless card.
    It isn't just Santander. If I make a big payment by credit card I may well get rung to establish it is me. I appreciate the security. You will always find some people who can't change or don't want to change but that's life. Whenever anything changes there is a fuss. Remember them turning off analogue TV signals and forcing people to give up on the TV which had served them so well since coronation day.
    The trouble is the moaners, like OP, want the advantages, will scream the roof down if something goes wrong but wish to preserve their inalienable right to have it just as it was in 1896.
    • longforgotten
    • By longforgotten 5th Sep 19, 7:20 PM
    • 1,067 Posts
    • 702 Thanks
    longforgotten
    We're with Santander, have three bank accounts maxed out ( when possible ) . I don't have online banking with them and only use the debit card for identification when I actually go in to the branch.


    If it turns out that it becomes mandatory to have a mobile phone then me and our money will be off to another bank or building society.As has been said previously it's easy to move accounts these days. I've moved from Lloyds bank because my local branch does not want people to use the teller , want's them to go to the hole in the wall. Much of the reason banks aren't used any more is because they are not welcoming.


    Besides, would it be so bad if we stopped this online shopping malarky and supported our high streets and 'old fashioned' markets.


    PS. Yes I've sent back the little box gadget affair that Barclaycard sent me. I wouldn't understand how to use it and haven't used my Barclaycard for years so it was another reason to close my account
    Last edited by longforgotten; 05-09-2019 at 7:24 PM.
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