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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To feel like a fraudster for logging into ibanking as DH

30 replies

pupsiecola · 25/06/2014 15:36

Been doing it for 10 years plus. Changed banks recently. Just got a bit of a talking down to in branch. It's fraudulent. But I handle all the accounts. And I can't look at/pay our credit card bill (with same bank) logged in as myself because he's the main card holder. So I always log in as him. Daily. I check the current account and credit card bill daily whilst things are fresh in my mind. Apparently that's surprising. I should get a paper statement once a month and check it that way.

We've been locked out of ibanking a couple of times lately too (over zealous security, with us being new, I think). And of course I have to call them when DH is here, hand the phone over so he can listen to the security questions, he tells them to hang on a mo, asks me for the answers, relays the answers to the person at the other end, then gives them permission to talk to me. Crazy.

Surely there are loads of us who do this? Or perhaps we are just really old fashioned. But I have always looked after the finances. I have much more time than DH for this sort of thing.

(On a serious note I really should make sure that DH knows all the security codes. They are written down - he's just not all that interested (fine by me)). But there are so many! This new bank has an ID, a photo, a nickname, a password and a passcode, plus had to set up THREE security questions as well (mother's maiden name etc.). Times that by 3 for all the different accounts we have (and that's just banking) and I can see why DH doesn't know them!!

OP posts:
TalkinPeace · 25/06/2014 18:02

aquashiv
there is NO WAY I am going through the process of applying for a new card under the new rules and my humungous limit would not be transferred.
Many SAHMs would get diddly squat limit as they have no income
and I have the minimum number of cards possible out of habit.

the banks just have to learn that the MLR rules have not stopped ISIS building up a billion dollar war chest, they have just inconvenienced lots of law abiding people.

pupsiecola · 25/06/2014 18:36

Ditto talkinpeace. I am a SAHM too and didn't even think they would give me a credit card. Apparently they would. But the limit would be too small.

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MrsGSR · 25/06/2014 19:24

I sign into dh's online account. He has a savings account with a high(ish) rate due to how long he's been with the bank but I sort out all our money so I need access to it. I'm sure loads of people do the same :)

thatwhichwecallarose · 25/06/2014 19:34

Just carry in as you are! I do it in this house (DH gets paid into his own account-I log in as him and move money into our joint or savings account). Then I can log in as me and pay for stuff. Only time we got caught out is when i accidentally moved money into our mortgage account (ie overpaid) and had to phone ASAP to getting back! I got a telling off but that was all!

pupsiecola · 25/06/2014 21:55

I recently paid 1k into my DS2's CTF account instead of paying off the credit card that month! They won't give it back either. They even wrote to HMRC, but nope, it stays there for another 9 years until he's 18. And then I have to remember to get him to give 500 quid of it to DS1, on account of my fairness gene.

Hmmm, maybe I'm not to be trusted after all.

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