View Full Version : Online banking without stupid home card readers
Does anyone know which banks use these and which don't for online banking?
Natwest have now told me I will have to use one and when I said I didn't want one they refused to change it so I'm considering sticking 2 fingers up at them and looking for a new bank.
NicolaUK
16-05-2008, 10:14
You only have to use the reader when setting up a new payment method.
Nationwide now use them.
Even need to use the card reader when paying off my credit card.
Halifax don't...
/touches wood.
First Direct don't use any of that nonsense. Excellent bank too.
You only have to use the reader when setting up a new payment method.
Barclays require you also use it to log into internet banking so I'm guessing the others will follow suit soon enough if they're not already doing so.
I wouldn't mind if (a) they were conveniently size for carrying and (b) you could just pop to the bank and get a replacement if something happened.
As it is I'm going to have to carry it with me when I go on holiday on the off-chance I may need to sort out some financial affairs. Great. :|
Cahoot do not and pay decent interest too! Personally I would prefer an RSA Token ID card instead to login
Great, so we're gonna be stuck with them. I love it though really, I rang Natwest to say I didn't want it and they said you can just use telephone banking when you have access to the internet but don't have the card reader. That surely defeats the point of having internet banking.
I use natwest internet bankig without one, as Nicola said I think its just for setting up new payment methods etc?
AdsterUK
16-05-2008, 10:24
Co-op dont use them either.
What are these card readers? Are they a bit like chip and pin?
ShakeyJake
16-05-2008, 10:25
Lloyds TSB don't seem to have them yet
What are these card readers? Are they a bit like chip and pin?
Basically yes!
still average joe
16-05-2008, 10:27
Me and the wife have one each, Both with RBS. Very straightforward to use.
Whats the problem?
Are you one of these folk who used to complain that they cant program the video recorder?;)
NicolaUK
16-05-2008, 10:29
I've only had to use mine once in the many months it's been kicking around and I do all my banking online, no real hardship :shrug:
neilalford
16-05-2008, 10:29
Me and the wife have one each, Both with RBS. Very straightforward to use.
Whats the problem?
Are you one of these folk who used to complain that they cant program the video recorder?;)
Don't currently have one (with Halifax) but if I did I'd need to be constantly taking it from home to work in case I needed to check my account, and of course, would then be stuck if I accidentally left it at work over the weekend or something.
My missus has one for barclays looks like a calculator with a slot at the top which reads your card. She uses regularly no problem. Halifax don't
Me and the wife have one each, Both with RBS. Very straightforward to use.
Whats the problem?
Easy to use, yes. But impossible to memorise so you can use on any computer you happen to be near if you need to get to your account so you have to carry it around.
As I say, Barclays require that you have it to log into online banking. There's a link for if you don't have it but that basically says:
http://theogb.com/archive/nelson.jpg
And you have to register for phone banking as a separate facility (not that I'd want to be ringing from my mobile in a foreign country and paying £££s). Maybe Barclays is the only bank being this irritating about it, though.
HSBC don't. Hopefully it will stay that way.
The problem is that I'm not going to be carrying the card reader around with me so could potentially be stuck with having to do certain things only at home. I quite often use my online banking from my work PC as well and have on occasions needed to create new payees in a hurry.
got a nationwide one but not had to use it yet.
are they all standard or custom depending on what bank you use i.e. will we see keyboards or even mobile phones with them embedded soon.
Cahoot do not and pay decent interest too! Personally I would prefer an RSA Token ID card instead to login
HSBC Business accounts and Alliance and Leicester use a form of RSA token (though it might be their own rip off of one rather than a legit RSA token).
I use a 'sentry' for Barclays.
I guess I can safely lose my laptop and not worry about people using it (ie reading keystrokes) to access my bank details (because they won't have the 'sentry').
Or is that false comfort I'm taking in the 'sentry'?
I have lloyds/tsb and dont have a reader
maddogsuk
16-05-2008, 10:47
http://www.mrg9999.com/pub/psm/
Remote control Pin Sentry
:dork: But then you have to leave your card at home? Typically you want your debit card with you?
nigel_williams
16-05-2008, 10:58
I have a Halifax High Interest Current account and it's just a normal login, same as my old Intelligent Finance one (same banking group).
Personally I think an RSA device would be a good thing, I used to use one for accessing corporate networks.
I have a Halifax High Interest Current account and it's just a normal login, same as my old Intelligent Finance one (same banking group).
Personally I think an RSA device would be a good thing, I used to use one for accessing corporate networks.
That I could deal with as they're small enough to put on a keyring loop.
Never noticed those disclaimers in red before. Has something happened before that came back to bite the forums?
Highlander
16-05-2008, 11:19
I use 2 banks, Barclays and Nationwide, and unfortunately both use them :( . I have yet to use the Nationwide one, but as said previously, you need to use the Barclays one just to log on. It's is a real pain, and i've gone from checking my bank account a couple times a day, to maybe once a week because of this. :mad:
puddleduck
16-05-2008, 11:57
I use Nationwide and I've never been given or sent a card reader. I can still login fine, and I just paid a bill no problem.
neilalford
16-05-2008, 12:29
Never noticed those disclaimers in red before. Has something happened before that came back to bite the forums?
Always had them in the finance forum as far as I can remember.
cjanderson
16-05-2008, 12:34
you don't need to use the barclays one, i sometimes say "i haven't received it", then you have to give them a password and perhaps your card details and then you use those for next 2 weeks to log on. you can't pay bills but you can see your balance.
its all abit rubbish though. and means egg money consolidator won't work with barclays.
KennyVader
16-05-2008, 17:35
You only have to use the reader when setting up a new payment method.
Yeah - for now. I'm sure the letter that came with it when I got mine from Nat West said it would be introduced to different online features gradually. I certainly wouldn't count on it staying as just for setting up new payments.
I have a securid token for my Bank of Scotland business account and it's needed for every logon. It's an absolute pain, despite being far smaller than the Nat West thing, mainly because I can't carry it everywhere I go. Nearly all my logins to that account are just to check a balance and see if a customer paid up yet. I can no longer do that unless I do carry the thing everywhere :mad:
you don't need to use the barclays one, i sometimes say "i haven't received it", then you have to give them a password and perhaps your card details and then you use those for next 2 weeks to log on. you can't pay bills but you can see your balance.
Maybe they changed that. Like I say, it just refused point-blank to me. I had to through a bunch of Indian guys until I got through to someone in Coventry who just reversed it entirely so it didn't ask me for a few months if I even had a PINSentry.
Nick dVl
17-05-2008, 12:40
I've only ever had to use my NatWest reader when creating a new payee for a transfer transaction which is fair enough.
Logging in, viewing statements, moving money between my accounts (which is what I do most often) etc uses the normal web login screens, so no big deal.
snoopstah
17-05-2008, 13:01
For those complaining about having to carry it from home to work (and I was the same when they first introduced it), NatWest allow you to request an additional card reader free of charge via the online banking website - so now I have one in my desk drawer at home and one in my work bag.
I'd also agree that I was worried about how much of a hassle they'd be to use, but as others have said, NatWest only require it for adding new third-party payment methods (at the moment, at least) - so I've only had to use it a handful of times in the last year.
Personally I would prefer an RSA Token ID card instead to login
i've got a RSA one. use suncorp (http://suncorp.com.au)for your banking!
For those complaining about having to carry it from home to work (and I was the same when they first introduced it), NatWest allow you to request an additional card reader free of charge via the online banking website - so now I have one in my desk drawer at home and one in my work bag.
I'd also agree that I was worried about how much of a hassle they'd be to use, but as others have said, NatWest only require it for adding new third-party payment methods (at the moment, at least) - so I've only had to use it a handful of times in the last year.
Ah, well if you can get another for free then I'll just do that and leave it in my desk drawer at work.
I use natwest internet bankig without one, as Nicola said I think its just for setting up new payment methods etc?
I bank with Natwest and Barclay's and got sent card readers from both banks. And i was told that i would need to use them to log on and not be able to if i didn't use them. But i've carried on as before and never need to use them yet :thinking:
stupendo
17-05-2008, 17:48
I bank with Lloyds TSB and have a keyfob like here http://news.bbc.co.uk/1/hi/business/4340898.stm.
I have had it since late 2005, I wonder why they have never rolled it out. :thinking:
DJBenson
17-05-2008, 20:53
got a nationwide one but not had to use it yet.
are they all standard or custom depending on what bank you use i.e. will we see keyboards or even mobile phones with them embedded soon.
The software on them does not differ on a per-bank basis from what I can tell.
I am with RBS and Nationwide and have used both banks machines whilst doing transactions on either site with no problems.
Surely it won't be long before the algorithm is worked out and a mobile application written.
Nebiroth
18-05-2008, 09:25
Yes my heart sank when I got the letter from Natwest.
Does anyone know if it's possible to buy the card reader units anywhere on the high street, or if branches happen to keep stock of them for account holders? The Nationwide are sending me one for my new account, but I'm heading overseas and likely won't get it in time. The units appear to be entirely generic - the Nationwide site actually says you can use a reader from any UK bank, and a borrowed RBS reader works fine. So if I can buy one fairly cheaply or cadge one from a Nationwide branch it might save me a bit of hassle.
Pain in the arse overall. At least the Nationwide only require it for a few things - payments outside of Nationwide and changing phone numbers, etc, it seems.
cjanderson
27-09-2008, 15:19
am hating my barclays one, means i don't go to the website nearly as much as i used to as most times i think about it i am at work and the card reader is not.
Does anyone actually think they are a help? barclays seems totally OTT making you use it to even log on and check balances (you can sort of log on by saying you have not got it yet but thats reset every 14 days or so)
I am with nationwide,got one last month I can't remember where I put it.
Complete PITA concept. If it gets in the way I'll move to cahoot.
Bapapapa
27-09-2008, 16:38
I've only used my Natwest one twice and the batteries are almost shot already.. :nuts:
Not a lot of point moving banks because of this, they'll all be doing some kind of strong authentication at some point.
pompeyfan
27-09-2008, 18:01
am hating my barclays one, means i don't go to the website nearly as much as i used to as most times i think about it i am at work and the card reader is not.
Does anyone actually think they are a help? barclays seems totally OTT making you use it to even log on and check balances (you can sort of log on by saying you have not got it yet but thats reset every 14 days or so)
Same - its a complete pain in the arse if I want to check my balance and haven't got the reader to hand.
odd, i'm with barclays and i dont have one at all
Great, so we're gonna be stuck with them. I love it though really, I rang Natwest to say I didn't want it and they said you can just use telephone banking when you have access to the internet but don't have the card reader. That surely defeats the point of having internet banking.
It also means they don't really understand what Internet banking is for ;)
Barclays do them, they're a pain as I keep needing to get my wallet for my card every time I want to check balances and that's at least 15 feet away :help:
Nobody got any idea as to the chances of picking one of these up from a branch or on the high street?
odd, i'm with barclays and i dont have one at all
Try setting up a new payment to someone you've never paid before, and it'll trigger the procedure. This is what happened to my girlfriend when she wanted to set up a standing order to her mum.
We cancelled the setup immediately, and she went into a branch to set it up instead.
Nobody got any idea as to the chances of picking one of these up from a branch or on the high street?If you were to say where you are, someone may have a spare to loan you.
Does anyone know if it's possible to buy the card reader units anywhere on the high street, or if branches happen to keep stock of them for account holders? The Nationwide are sending me one for my new account, but I'm heading overseas and likely won't get it in time. The units appear to be entirely generic - the Nationwide site actually says you can use a reader from any UK bank, and a borrowed RBS reader works fine. So if I can buy one fairly cheaply or cadge one from a Nationwide branch it might save me a bit of hassle.
Pain in the arse overall. At least the Nationwide only require it for a few things - payments outside of Nationwide and changing phone numbers, etc, it seems.
The banks didn't have them a year back. When mine kicked in I hadn't received my reader (details probably earlier in this thread or another one) so I asked the bank to give me one (given I was clearly who I said I was) but they don't have them. I think it's because the online side is totally separate. :|
According to a message I received through the HSBC online service, it looks like they're bringing in something very soon...
As part of our ongoing commitment to offer you the safest possible internet banking service, we are constantly reviewing and enhancing the security we offer our customers. In the coming months we are going to be introducing an additional security feature for online payments.
We will write to you to tell you more about the service before the launch. For now, it's very important that you check the contact numbers we hold for you and ensure that you keep them updated so you can use the service when it is launched.
Only you can confirm your numbers. Please check and update them if necessary by clicking on 'My details' and then 'Personal details'.
Thank you for banking with HSBC.
KennyVader
28-09-2008, 14:28
According to a message I received through the HSBC online service, it looks like they're bringing in something very soon...
That sounds more like they're going to bring in some sort of telephone security to the service. Perhaps when you go to make an online payment they will call you or text you with a reference number that you have to enter on the site to allow it to go ahead. Now if the number they call or text you on to give you this code is one that you fixed ahead of time this would be a very secure and very simple system, as the only way it could be compromised would be if people lost both their mobile phone and their online banking details together. Especially if they added the proviso that you can't make any online payments for say 7 days after changing your phone numbers (during that period you might have to phone up to make payments and go through full verbal security). Something like this would be a lot easier, cheaper and probably overall more secure than the card readers to be honest!
AKPiggott
29-09-2008, 11:14
I'd never even heard of these until recently.
Was with HSBC for years but got so fed up with them and their stupid charges. So I opened a new account with Barclays just because I have a branch local to work that I can go into on lunch times. Was using net banking no problem until the PINsentry reader arrived through the post and I was forced to use it. Thought it was quite clever at first, but it's just a bleeding nuisance. I wish it wasn't compulsory.
sideshowbob
29-09-2008, 11:21
It is a pain to have to faff about with these. I also can't understand why Natwest need me to put my pin in at the branch when I'm paying in money. You say anything to the staff about it and it doesn't seem to register as stupid to them at all ...
TigaSefi
29-09-2008, 11:25
If HSBC doesn't include a text option, they can go **** themselves!!!
GCfreako
29-09-2008, 13:35
am hating my barclays one, means i don't go to the website nearly as much as i used to as most times i think about it i am at work and the card reader is not.
Does anyone actually think they are a help? barclays seems totally OTT making you use it to even log on and check balances (you can sort of log on by saying you have not got it yet but thats reset every 14 days or so)
I have had lots of problems with Barclays. Two weeks before I migrated, I went into a branch and requested a change of address to my new overseas address. Filled in the forms etc.. A month later, I realise that I can't login because I need that new card reader. I call CS via Skype and they say the reader's been sent to my address (the old one) and that they never got any request to change it to my new address abroad. So now, I'm stuck with an account that I can't access at all. Oh and they can't change my address over the phone and it has to be done at a branch (which I did before I moved but for some reason didn't get processed).
euqiddis
29-09-2008, 20:50
i re-registered with natwest and it asked if i wanted the card reader, i said no and can access my account.
Lagerlout
29-09-2008, 21:44
Never had one for Barclays, yet my brother has to use one, despite that we have a joint account for bills etc. cos we share a house. If they make me use one, I'll use them less.
KennyVader
29-09-2008, 22:17
i re-registered with natwest and it asked if i wanted the card reader, i said no and can access my account.
Bet you can't make a new transfer though.
Bapapapa
30-09-2008, 08:38
Yeah with Natwest you only need the reader to set up new transfers.. for everything else balance checks, transaction searches, etc. it's not necessary..
waldopepper
30-09-2008, 14:46
am hating my barclays one, means i don't go to the website nearly as much as i used to as most times i think about it i am at work and the card reader is not.
Does anyone actually think they are a help? barclays seems totally OTT making you use it to even log on and check balances (you can sort of log on by saying you have not got it yet but thats reset every 14 days or so)I don't mind using mine - then again I only log in from home so it's always handy.
Each specific one isn't linked in any way to just your account - I know because me and the GF both have one and they both work. So to all those having the problem of bringing theirs in to work - just call the bank and say you lost yours and get another (I'm assuming they don't charge).
I don't think it's a real effort to use it - just a couple of steps more than just using a password, but I think it's worth it to know that it would scupper any would-be thieves if my laptop managed to get a Trojan horse/virus etc - I know too many people who have had various accounts hacked.
euqiddis
30-09-2008, 14:49
aaah...
Havent read the thread but I find Lloyds TSB online banking to be excellent. Used it for years with no problems.
Nobody got any idea as to the chances of picking one of these up from a branch or on the high street?
In case it's of any use to anyone - popped into a Nationwide branch and they gave me one - didn't check I was a customer, so you could just try your nearest bank if you ever need one. Said they don't always have them though.
ascender
03-10-2008, 08:38
With RBS you only need the reader to do certain things like setting up new payments. I guess if you need to do one without it, you just phone their telephone banking service.
Can these things be called stupid when they're trying to stop you from being the victim of fraud? So long as they're implemented sensibly, surely they can only be a good thing?
Northumbrian
11-01-2009, 20:42
Just had to use my nationwide card reader to pay my nationnwide credit card from my nationwide flex account. How can that be considered sensible implementation of the technology?
Dave h-j
11-01-2009, 22:14
Smile bank are introducing these over the next few months -to be used for online/phone banking but only for certain actions (I'm guessing that's thinsg like setting up a payment, rather than having to make one)..
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