Bank accounts with no card reader for online?

[A.N.Other]

Halifax do not

Yup. Plain old passwords, thank god.

 

[shine]

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

They did use it a long time ago but it looks like they've stopped since:

http://news.bbc.co.uk/1/hi/business/4340898.stm

 

[uchuff]

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

Been online banking with them years using only passwords and the mobile call check thing mentioned above.

 

[Skillmister]

Yup. Plain old passwords, thank god.

Yeah perfect, except the fraud protection squad seems adamant i can't make any payment above £250 without going into the bank and giving them my life history

 

[panyan]

Santander doesn't use any tokens or card readers.

+1

 

[A.N.Other]

Yeah perfect, except the fraud protection squad seems adamant i can't make any payment above £250 without going into the bank and giving them my life history

Never had an issue myself Perhaps you're just suspicious?

 

[beachBOYken]

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

If you bypass the card reader at login and use personal passwords you have to use the card reader for any payments but if you use the card reader at login you can make payments without the card reader.

Thats how It works for me.

 

[K.C. Leblanc]

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 think LloydsTSB only issue them for business accounts.

 

[HeX]

HSBC don't have a card reader. They have a tiny little (keyring sized) code generator. Works a treat.

 

[Slime]

Natwest

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

Or make a payment to someone new.

 

[Smit]

Halifax.. Just the text password and security passphrase

 

[Mercenary Keyboard Warrior]

Santander have a system where they use an auth code which will be sent to your mobile linked to your account when you setup a new authority. Great as your existing ones require no special codes or anything.

Bit of a bugger when you forget to change this and come along later and cant remember which mobile number you had attached to your account though And you cant change your mobile without getting one of the same codes sent to your old mobile. Thats the only flaw I can see, but I guess customer services can get round it.

 

[Skully]

First Direct.

 

[Django x2]

First Direct sill don't use the card thingy that HSBC use (even though they are the same group). Speaking to them, they have no plans to anytime soon either

 

[Hatter The Mad]

Halifax

 

[Unicorn]

Halifax Love em

 

[Disco Boy]

Santander just have passwords.

HSBC have a code generator, but mine fits in my wallet.

 

[daver]

Halifax ring my mobile with a code to input on the site if I want to set up a new payment. Works well

 

[Speed]

Natwest

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

Natwest do on some accounts, mine needs the card reader to make payments to new or old Payees. However my sister’s student account doesn't.

Although Santander don't have a card reader I could never ever recommend them to anyone, if they didn't offer an overdraft that I couldn't get as my circumstances have changed since applying I'd have closed my account long ago. Transfers going out are often extremely slow, they were one of the last to adopt the faster payment scheme and even now I have had transfers taking days due to their "security" process. Their customer "care" is god awful as they seem to have picked up all the bad staff from Abbey when they merged.

Lloyds TSB and Halifax don't, I'd recommend Lloyds overall due to their excellent CS. For security they have an automated phone process that calls your registered number when setting up a new payee, works well.

 

[KIA]

Halifax will ring your landline/mobile and a computer will read out a code if you're adding a new recipient.