Banking/Ordering Online - Additional Security Measures

mrbell1984 said:
Then who's mobile does the joint account go to? his or her mobile or a one kept in the draw at home for 2fa?
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What?
You have a different card so it goes to the card holders phone. But the money goes out of the same account. That's the whole point of joint accounts.
 
robj20 said:
What?
You have a different card so it goes to the card holders phone. But the money goes out of the same account. That's the whole point of joint accounts.
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yes, and the op said "The problem will arise if I'm out and have the mobile, means the wife can't order anything until I get home as she won't be able to access the code." to which I replied "Ring her up and tell her the code over the phone? or text her the code? " post 15.

I know how this new thing is going to work!
 
mrbell1984 said:
yes, and the op said "The problem will arise if I'm out and have the mobile, means the wife can't order anything until I get home as she won't be able to access the code." to which I replied "Ring her up and tell her the code over the phone? or text her the code? " post 15.

I know how this new thing is going to work!
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Makes no sense. Use your own card why the need to share one?
He orders, uses his card, uses his phone.
She orders, uses her card, uses her phone.
Where is the problem?
 
robj20 said:
Makes no sense. Use your own card why the need to share one?
He orders, uses his card, uses his phone.
She orders, uses her card, uses her phone.
Where is the problem?
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I never said there was a problem OP thinks there is a problem by saying "The problem will arise if I'm out and have the mobile, means the wife can't order anything until I get home as she won't be able to access the code."
 
Pho said:
I wish they'd give the option to do it using normal two-factor codes rather than a text, then you could add it to Google Authenticator (or whatever two-factor tool you want) on several phones/tablets, or into one of the many authenticator extensions for your browser - all of which don't require an internet/mobile connection to generate the code you need.

I use two-factor on most things where i can - e.g., Gmail, PayPal, Amazon, Lastpass, Steam. As always the banks are years behind.

Having to use a card reader to authenticate payments is/was such a faff as you never have your card reader with you when you want it.. their text approach is only slightly better!
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I'd prefer this approach too if i'm honest. You can generate the 2FA code instantly, none of this faf of waiting for a text message to come through with a code.
 
robj20 said:
Deadline for all banks is mid September.

I like Halifax approach, I will get a push notification that I just tap accept or decline so no codes.
Plus you can trust places so you only get asked the first time.
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Ah good to know, and i'm happy with that method too (i have an account with Halifax). Although presumably for this method to work would require you to install the Halifax banking app. I'd assume they've made provisions for those who don't have it installed.

(i do have the app, just thinking outside the box)
 
Semple said:
Ah good to know, and i'm happy with that method too (i have an account with Halifax). Although presumably for this method to work would require you to install the Halifax banking app. I'd assume they've made provisions for those who don't have it installed.

(i do have the app, just thinking outside the box)
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Halifax say, with the app you can use the tap to verify.
Without you can text a code or phone a code, and landline works for those without a mobile.
 
It is a joint account and we both have our own debit cards but as we go most places and do things together, little point incurring more than one set of mobile monthly payments. The phone is primarily for emergencies or essential calls when out, or using mobile apps, the actual calls made has used a tiny fraction of the 1500 minutes allowance.

I guess for Amazon etc. we could always keep the account topped up with gift vouchers, to avoid using the debit card.
 
Vern1961 said:
It is a joint account and we both have our own debit cards but as we go most places and do things together, little point incurring more than one set of mobile monthly payments. The phone is primarily for emergencies or essential calls when out, or using mobile apps, the actual calls made has used a tiny fraction of the 1500 minutes allowance.

I guess for Amazon etc. we could always keep the account topped up with gift vouchers, to avoid using the debit card.
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Just get another cheap smartphone, even on PAYG if you must. Or, as the phone isn't used for other than emergencies, give the phone to your wife.

It has got to the point now where it is odd if someone doesn't have their own mobile, unless they're Amish or 80+.
 
The_Abyss said:
Just get another cheap smartphone, even on PAYG if you must. Or, as the phone isn't used for other than emergencies, give the phone to your wife.

It has got to the point now where it is odd if someone doesn't have their own mobile, unless they're Amish or 80+.
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Even 80+ year olds have mobile phones these days. :p

Usually cheaper than landline bundles as well with all these £5 sim only deals available.

Natwest has been prompting me about these extra security measures for ages now but has never actually sent me a verification text.
 
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