Best online banking?
Discussion
Just come of the phone with first direct. Though the service is great, the phone security is a pita and really can't be bothered to carry round a list of memorable answers with me. Got 5 questions right, got the 6th wrong. Wouldn't ask me one of the other numerous security questions and after two wrong answers have not only refused to proceed but locked my online account out too. They should have memorable saying option, id remember that one, it would be, stop asking me stupid f
king questions.
I really can't be arsed with sorting it out with them but I suppose i'll have to, then i'll close the account.
Can anyone recommend a bank with a decent online system? I already have a halifax account and that seems fairly good. HSBC is out due to having to fanny about with card readers/pin number type things.
I fancied Handelsbanken but suspect from their website its a card reader type thing too.
I rarely use branches and speak to them as little as possible. Couple of direct debits, couple of standing orders and ability to to transfers and payments, thats all I need.
king questions.I really can't be arsed with sorting it out with them but I suppose i'll have to, then i'll close the account.
Can anyone recommend a bank with a decent online system? I already have a halifax account and that seems fairly good. HSBC is out due to having to fanny about with card readers/pin number type things.
I fancied Handelsbanken but suspect from their website its a card reader type thing too.
I rarely use branches and speak to them as little as possible. Couple of direct debits, couple of standing orders and ability to to transfers and payments, thats all I need.
I was asked 2 questions, plus the 2 letters of password, plus the normal address postcode stuff.
It's more the fact they completely lock your account after two attempts. Can't be bothered with so many passwords, internet password, phone passwords, memorable date, memorable address, mothers maiden, memorable name, first pet, ffs I never had a bloody pet! I have enough to remember! You'll know how it is at work, I keep getting told off for having my passwords printed out and stuck to the monitor!
It's more the fact they completely lock your account after two attempts. Can't be bothered with so many passwords, internet password, phone passwords, memorable date, memorable address, mothers maiden, memorable name, first pet, ffs I never had a bloody pet! I have enough to remember! You'll know how it is at work, I keep getting told off for having my passwords printed out and stuck to the monitor!
RBS works well for me. (Natwest use the same system).
For the automated telephone banking you need to remember a 10 digit customer number (the first 6 of these numbers are just your dob, ddmmyy) and then a 4 digit security number and it will ask you to enter 3 of these numbers in a different order each time. If you want to speak to someone after listening to the automated stuff then it's generally a couple of additional basic questions - eg. 'name one of your direct debits', 'do you have an overdraft and if so what is it'.
For online banking you again need the 10 digit customer number and the 4 digit security number (asks you for 3 of the digits) + an 8 character password (Asks you for 3 of the characters). And that's it. And you only need to use the card reader to set up a new payee, or change your address/telephone number/email.
So remember a 10 digit number, a 4 digit number, and an 8 character password and that's it.
All quite simple really and apparently it's one of the more secure ones too.
http://www.telegraph.co.uk/finance/personalfinance...
For the automated telephone banking you need to remember a 10 digit customer number (the first 6 of these numbers are just your dob, ddmmyy) and then a 4 digit security number and it will ask you to enter 3 of these numbers in a different order each time. If you want to speak to someone after listening to the automated stuff then it's generally a couple of additional basic questions - eg. 'name one of your direct debits', 'do you have an overdraft and if so what is it'.
For online banking you again need the 10 digit customer number and the 4 digit security number (asks you for 3 of the digits) + an 8 character password (Asks you for 3 of the characters). And that's it. And you only need to use the card reader to set up a new payee, or change your address/telephone number/email.
So remember a 10 digit number, a 4 digit number, and an 8 character password and that's it.
All quite simple really and apparently it's one of the more secure ones too.
http://www.telegraph.co.uk/finance/personalfinance...
Edited by BlackLabel on Friday 9th May 21:50
Have NatWest ditched the card readers they used to have then? Reminds me, I need to make my annual trip to be told they've closed my accounts when they haven't.
Santander I find ok most of the time. Apart from when they lost a year's worth of cash ISA and tried telling me I took it out in cash until the FSA were involved. And if one day you discover the mobile phone number required to add a new payee isn't one you've ever owned, don't think they'll suspect foul play and do anything in a hurry and good luck explaining it's not your contact telephone number but the online banking 2fa number to the old dear in the branch. And despite being online banking in theory you do need to go in branch to change it.
They're all useless to the point of criminality as far as I'm concerned, not enough competition.
Santander I find ok most of the time. Apart from when they lost a year's worth of cash ISA and tried telling me I took it out in cash until the FSA were involved. And if one day you discover the mobile phone number required to add a new payee isn't one you've ever owned, don't think they'll suspect foul play and do anything in a hurry and good luck explaining it's not your contact telephone number but the online banking 2fa number to the old dear in the branch. And despite being online banking in theory you do need to go in branch to change it.
They're all useless to the point of criminality as far as I'm concerned, not enough competition.
omegac said:
MajorProblem said:
When I ring FD they ask for my name and postcode then two letters of my password and to answer one question.
Same here, never had anything like five or six questions.Q1. What is your name?
Q2. What is your postcode?
Q3. What is letter 8 of your password
Q4. What is letter 2 of your password
Q5. What is your memorable address?
Q6. Hi, your through to First Direct, my name is Laura, what can I help you with today?
O/P f
k off Laura I'm not answering anymore questions!Gassing Station | Finance | Top of Page | What's New | My Stuff