Is this Indirect discrimination?

Our joint account is first direct.

We both have the app on our phones (actually I have it on my work phone as well), yes we cannot be logged on at the same time, but we can both generate a ‘key’ as long as we don’t do it at the same time.

Additional card holders only apply to credit cards and only the principal card holder can access the details
Both parties to a joint bank account can access it online/using an app.

FD are excellent IME. This problem is down to OP's husband, not the bank.
I think you have to think about why your dh wants to stop you having access OP.

Of course you are allowed access if you are a joint account holder. Your husband is mistaken, or he's pulling the wool over your eyes. You should have your own access, not going through his. I just use telephone banking because it suits me, they regularly offer to help me set up online banking. On my joint account. At first direct. Call them.

Are you sure you actually have a joint account? Maybe you are just an 'additional card holder' - do banks still have those?

It sounds as though you should be able to get online access to your online account but if not then there are 2 alternatives - you move your joint account to a bank that facilitates equal access for joint account holders, or you have a device used for online transactions which lives at home and to which you both have the password.

Credit cards are bad for not treating joint account holders equally - there's a main account holder. Afaik they're all like that.

One user, one user ID is the way forward.

Register for your own on line access to the account. Then you will be issued your own ID and be able to use the app on your phone.

If you struggle, PM me. I'm happy to walk you through the process.

Are there any other areas where he uses your ignorance to fob you off doing things that you really should do yourself? My DH is happy to leave most on line stuff to me but I remind him that he needs the skill just incase if any emergency and make him log in occasionally. App so much easier than the web site.

My own mother was completely helpless about normal household admin. My farther handed the reins to me when he started to be unwell. Don't be that person stranded because you lack the skills.

I think your husband is deliberately misunderstanding this. Is he controlling about other aspects of your lives?

And one more thing, you can bank online using the desktop website. You only need your mobile (security key) for making transfers - so you should already be able to log in online and view balances etc, have you done this?

You dont need to phone for a secure key. You can generate a digital one in the app. Download the app and follow the instructions

I bank with FD by the way. You have either both misinterpreted the technical details, or you are being gaslighted. Call the bank.

Contact your bank directly. The issue is with your husband.

You generate a key from the app. You are getting confused or your dh is trying to anyway. Get the app, do your banking

You've mis-interpreted. If it's a joint account then you are each entitled to your own Secure Key. Phone them up and register.

I presume they’d send you your own key then? If not, definitely move banks.

A digital key is different to the app.

You both download the app.
You both have your own digital key registered to your app.
You use you digital key on the app on your device.

I suspect this is more of a husband issue than bank issue though

Barclays, joint account. Two devices. Change account providers.

That’s not correct OP. Suggest you call the bank directly. In any case FD support telephone banking too (using voice recognition for security checks) so you should have already been accessing your bank this way.

The key might only work on one device but you should be able to have your own key.

Dh and I have a joint account, we both do online banking. We were given separate digital "keys" when they were a thing, but now it's all in the app anyway.

Change banks. We have our joint account with Natwest and we can access it from any number of devices. We each have our own card-reader device to use for generating security key codes when we need to have an extra layer of security. You are right that this policy is likely to disenfranchise women but you don't have to put up with it. Complaining wouldn't result in any kind of change for years (if ever) but you can have a new bank account open and running within a week. If first direct want to be a bank that is only interested in the business of single people and couples where one person is happy to be disenfranchised, that is their loss and will restrict their financial viability. Fixing their idiocy for them is not your problem, just leave.

Its a method of authentication but you and your dh would have your own separate one. Download the app and get yourself set up. You're getting het up about nothing

Can you not get your own Digital Secure Key? Maybe that is where the issue is. You need your own profile to your joint account and get your own 'key'. Call the bank and ask.

I do know that I cannot have access to our joint credit card details on my app because of the archaic 'primary card holder' but joint bank accounts are different. Or should be.

DH and I have a joint account with First Direct and both of us have the app on our separate phones. I think they mean that each individual can have only one device connected. Give them a call - FD are very helpful.

OP, you need to call them up, or send them an email. You must be able to both access your own account. There is no way you can't.

I even doubt that you can't both have the app on your phones. But even if that was the case, for some bizarre reason, you can access it via your laptop.

There is no way two people don't both have access to their joint account!