Intenet Banking

[soliloquy]

Nearly every time I log in to my TSB bank account, I have to receive a security code either on landline or mobile before I gain access to my account. When this first started happening, I was told that it would occur "now and again". I have now been advised that this should be expected every time I log in. Are there any other TSB customers on The Answer Bank who experience this frequency - and indeed, does it happen with internet customers of other banks?

[Toorak]

I’m not with TSB but I get a code to access a different bank account. I don’t mind - it’s an extra layer of security.

[davebro]

I think several banks are doing this - it's a way they fulfill a new requirement for an additional level of security. Maybe all will need to soon?

(but I've not had it yet on my TSB account!)

[marval]

I am not with TSB, but I have a card reader. I put my card in and it identifies me and gives me a code to put in.

[alavahalf]

Recently I have noticed that even though I have put the correct login details .. I get asked to re-enter my details again. But I can't remember needing a security code.
This is with Lloyds ..!

[Buenchico]

'Strong Customer Authentication' (SCA) is now required for all online banking activities under the rules laid down by the Financial Conduct Authority:
https://www.fca.org.uk/firms/strong-customer-authentication

[Tilly2]

That's 'cos you did it wrong the first time, Alava. :-)

[diddlydo]

Santander sends me a pass code to my mobile. We have zero reception in the house so I have to go out up the drive and into the road to receive the message. Very annoying!

[Sqad]

No..Barclays....no access code required here.

[Prudie]

Also no and I'm with Barclays but I do get this when logging into my vodafone account.

[alavahalf]

Tilly .. Honest I know I didn't .. I am expecting it to say I put in the wrong details .. so when it tells me I have, I dont get annoyed !

Not until it does it for a second time !

[ladybirder]

Nationwide do it everytime now IF you don't use your Card Reader. You have the choice, Code or Card Reader.

[zebo]

Nationwide, even with the card reader I sometimes need to get a code for a larger amount and like others it means finding my phone and go to the bottom of the garden.

[Mamyalynne]

RBS needs a one time security code every time.

[Tuvok]

I rarely login to my TSB - once a month on pay day!

I can't do any transfers from my Santander as I don't have a mobile phone so can't get a one time code!

[jno]

no code yet for my Lloyds account but I dare say it will come.

[gingejbee]

Had a recent email from Barclays....use card-reader or choose to use a one-time passcode if you prefer.

[Buenchico]

When I log into my Capital One credit card account, I always get a code sent to my mobile phone.

I've just logged into my Barclays current account and (after the 'standard' log-in procedures) been given a choice of EITHER providing both my passcode and two specified characters from my 'memorable word' OR of having a code sent to my mobile phone. Both of those secondary layers of protection meet the FCA's requirements for 'Strong Customer Authentication'.

It's up to individual financial institutions as to exactly how they implement SCA but they MUST have some type of SECONDARY authentication in place, with many opting solely to send a code to a mobile phone (or by a recorded message to a landline in some cases). i.e. the FCA rules prohibit financial institutions from solely accepting a username and password.

[Jackdaw33]

HSBC require a user name, memorable word and a passcode which I generate on a miniature calculator -style gadget.

[Vagus]

That’s what I currently do Jackdaw, but having taken delivery of an up to date iPhone on Saturday, I’m going to set up Face ID too.

[jourdain2]

OH has, thankfully, given up on internet banking because of this from Nat. West (where he used to work and which pays him a miserly pension every month). It got to the stage where he could not access his account for 6 weeks. Not helped that they kept on sending texts to his phone ---- we are in a blackspot and it is registered (or should be, we told them) not to use the mobile number.

I was in despair - he would go to pay the milk bill and reappear a couple of hours later, fuming and I would have to drive 8 miles to the nearest machine that worked for Nat. West and reset his bank card code. Happened 5 times before he finally gave up earlier this month. Today I applied for a new cheque-book for him using said machine - he has already told them he wants paper statements posted. This is after using on-line banking for well-over 10 years.

I won't touch it with a barge-pole after witnessing all this - I used to do it in France 5 yrs. ago. It's gone barmy.