Bank accounts with no card reader for online?

[Bossk128]

Is anybody with a bank whose digital banking does NOT require them to use a card reader authentication scheme?? This has cropped up a few times for me now where I need to set up a payment and don't have the card reader to hand. Usually a phone call to phone banking allows me to use it, but today they said I can make a single payment but the card reader should be used to authorise a payee to stay in my payee list. I don't want to carry a card reader around with me all the time, it totally goes against the idea of digital banking for me (quick simple and accessible, unlike visiting a branch).

So, are any digital banking accounts free from hardware based authentication and rely on user/passwords only?

 

[RDM]

Lloyds TSB?

 

[FNGsam]

Just carry all your cash around with you IMO

 

[shine]

Santander doesn't use any tokens or card readers. The online banking works well enough.

 

[antijoke]

Nationwide.

I have one, but I don't have to use it.

 

[shine]

Lloyds TSB?

I though Lloyds had an RSA token?

 

[Liquid_Entity]

Halifax do not

 

[RDM]

I though Lloyds had an RSA token?

Optional I believe. Well I certainly don't have one!

 

[SiD the Turtle]

Nationwide.

I have one, but I don't have to use it.

You can bypass the login without the card reader, but you still need it for bank transfers don't you?

 

[Street]

I though Lloyds had an RSA token?

I don't have one for Lloyds.

For new payment recipients they give you a code when you send the payment online, then phone you and ask you to put the code in on your phone. If the recipient is already known, it just goes straight through online.

 

[shine]

Optional I believe. Well I certainly don't have one!

I don't have one for Lloyds.

For new payment recipients they give you a code when you send the payment online, then phone you and ask you to put the code in on your phone. If the recipient is already known, it just goes straight through online.

My friend has one and I know he's forgotten it at home a few times which has caused him issues. Maybe they've changed their security as they don't mention it on the website anymore.

 

[MickeyFinns]

I use First Direct, nothing but great things to say for them.

 

[Begbie]

Bank Of Scotland/Halifax

 

[Swordfish]

Clydesdale

 

[stealthgeek]

another +1 for Santander, they even have an iPhone app, brilliant for managing dosh on the go, plus their 123 current account is great for anyone who regularly pays their bills by direct debit, essentially you get cash back on them

 

[cwhitehead]

Another vote for lloyds, excellent online banking service too.

 

[Bossk128]

Bank Of Scotland/Halifax

I have a BoS account too, and it also requires a card reader (but no idea if I can use phone banking without a card reader).

 

[Bossk128]

another +1 for Santander, they even have an iPhone app, brilliant for managing dosh on the go, plus their 123 current account is great for anyone who regularly pays their bills by direct debit, essentially you get cash back on them

So far this is the winner, the 1-2-3 account is something I was looking at anyway. Am I right in thinking there is a £2 a month fee?

Edit: looks like they do not have an Android app yet, not for the UK anyway.

 

[robgmun]

Natwest

They only use a card reader when you want to setup a standing order etc

 

[Street]

My friend has one and I know he's forgotten it at home a few times which has caused him issues. Maybe they've changed their security as they don't mention it on the website anymore.

I've been with Lloyds my whole life and they've never even sent me one or mentioned it to me!