To close my bank account over this?

[tenlittlecygnets]

Am with Santander. They want all customers to download a banking app and use that in future. Their app is not compatible with a desktop pc.

I don’t want to access my bank accounts by phone.my phone is ancient and I have a pc.

Can anyone recommend a bank? I need to access my accounts via computer, not app.

Honestly.

Ok reading what @Waveysnail linked.

They want you to use the app to verify your identity when you log in on a PC to online banking.

They aren't getting rid of online banking.

If you can't download the app, you can use your mobile number to verify your identity.

If you do download the app, you won't be forced to use it INSTEAD of online banking. It will just ask you to verify it's you logging in to your online account on a PC.

I'm sorry but people can't expect the convenience of online banking but feel put out when they've been told it needs to be more secure. I bet you won't be best pleased if your account was accessed without your consent so let them to do their job in making it as secure as it can be!

They're not going to remove the option to use a desktop/laptop to bank. Don't worry.

Agree with PP they'd never do away with online banking it just isn't a viable option they'd lose too much business. I left Santander a few years ago because I didn't feel they provided the service I wanted so changed to Nationwide and haven't regretted my decision.

I can't recommend anyone because we're looking for a new bank too but I do NOT recommend Tesco!

First Direct is brill. They win all of the awards and deserve them. Xx

This isn't happening

First Direct very good ime
They are. And I’m a customer of twenty plus years standing but, if you want to do online banking with them you are directed to the app now or a website based log in that is basically the same as the app (to fend off future complaints that the app doesn’t look or feel like the website presumably). FD are brilliant in lots of ways but they’re basically sheep herding you into accepting the app.

Yes, have tweeted Santander and received confirmation thus is correct!

*As well as seeing a new look to Online Banking when you log on, you’ll need 3 things:

Your Personal ID
Your full Security Number, also known as Registration Number or PIN (5 digits)
Your phone or device with the Santander mobile banking app installed*

And

If you can’t download the mobile banking app, for now we’ll still be able to send you a One Time Passcode (OTP) to check it’s you, so make sure the mobile number we have for you is up-to-date. We’ll also still use OTP for some transactions.

‘For now’ they will still use OTP...

Santander have said it’s In response to regulation changes, but I fail to see how an app can be safer than a desktop-based program that you enter passwords and code words into to get access...

I got similar information from Lloyds, too.

It appears all banks will be going the same way!

www.lloydsbank.com/online-banking/changes-to-internet-banking.asp

I agree, OP - it's much harder to get into your account via the website than via the app

what about phone banking? I never use that now but assume it's still available for the people who don't have mobiles or computers?

It is a regulatory change - banks need to start implementing strong customer authentication in order to give customers increased protection against fraud. It basically means you need a couple of things in order to log in - so it could be a password plus your fingerprint. Most banks in the UK are going down the route of you needing to have a password and then access to your mobile device. What it means is that if your computer was hacked - for example - a fraudster couldn't log into your bank account without also having your mobile phone.

There’s new regulations coming in, by September. Expect all banks to be doing something similar.

Can I just add that I've literally just come off the phone with Santander regarding a fraudulent transaction on my card (it's being used in Miami, thieving fuckers! ). They were excellent and I'm pretty impressed with the security.

It must be very bloody hard to keep ahead of these thieving bastard giits clever hackers. I'm happy to do whatever is needed to help prevent it but agree it sounds like a ball ache.

So many profanities have made me feel slightly better!

Agree with above. They are not removing internet baking! It’s just the 2fa (the 2 stages of verifying its you).
Don’t panic

There’s new regulations coming in, by September. Expect all banks to be doing something similar.

Yes, I already have to do the three step thing with Barclaycard so I imagine it's similar.

Can I just add that I've literally just come off the phone with Santander regarding a fraudulent transaction on my card (it's being used in Miami, thieving fuckers! angry). They were excellent and I'm pretty impressed with the security.

Our youngest has had this happen to him twice in the last 6 months with Santander. Both times they immediately refunded him the money but he had the hassle of waiting in a new card.

Fluffy I had the same shit from Lloyds. I make them phone my landline, as I live in Belgium. I have no intention of giving them my mobile number.

If your individual user ID, plus password, plus random 6 letter/digit authenticator aren't enough, then the bank has a problem.

In Belgium, ING have given us devices that you stick your card in and it then provides a code after you have input your PIN. Works well...why can't the banks in UK do that?

What isn't clear is what happens if you are online shopping with say Amazon, where your card details are stored. Do they phone every time you buy a daily deal on Kindle?

In Belgium, ING have given us devices that you stick your card in and it then provides a code after you have input your PIN. Works well...why can't the banks in UK do that?

They do, my RBOS account gave us that little device to use years ago.

In Belgium, ING have given us devices that you stick your card in and it then provides a code after you have input your PIN. Works well...why can't the banks in UK do that?

They do - I’ve had one for about 15 years!

Strong customer authentication is a requirement of the second payment services directive - all retail banks in the U.K. will have to comply.

I've got one, too.

Somewhere.

No idea where maybe at the bottom of the crap drawer in the kitchen. Never did work out how I was supposed to use it.

Buttery I wish Lloyds would do it then, rather than all this faffing about with 'we need your mobile number' crap. Mind you, that's Belgian too, that would cost them more....

Mystery For Lloyds you have a unique customer ID. Then there is your unique password, then there is a 6 letter/digit code set by the customer. That presumably is a treble layer of customer authentication. Will they be going in for funny handshakes to prove it is me next, or will I have to go 'in branch' (and wtf happened to the article? It's into the branch, not 'in branch', makes my teeth itch)?

Surely banks can make their log in system secure enough for logging in from a desktop.. why is it more secure from a mobile?

It's the combination.

Decent security requires authenticating you using two or more "factors". Factors include:

• something you know (e.g. a password)
• something you have (e.g. your phone)
• something you are (e.g. a fingerprint or iris scan)
• where you are

Until somewhat recently, too many sites relied on just the "something you know" factor. Asking for multiple things you know, e.g. a customer number and a password, isn't good enough - someone who can find out one of these things can probably find out both.