off-topic • Online Banking on PC vs Telephone

More and more I find that I am excluded from certain online banking services because I only use my PC to log in, and not a mobile telephone "app". I don't understand why. For example, with Halifax I can do 3 things on mobile telephone that I can't do on PC:

1. Pay in a cheque.
2. Change my address
3. Stop my cards temporarily or permanently.

None of these can be done with the online banking and need a telephone call or visit to a branch.

In addition, RBS have just claimed that mobile app is more "secure" than PC with a web browser:

I forgot my PIN for my card reader, so to get a reminder, I have to wait for it in the post. However, apparently because a telephone app is "more secure", if I had it, I could have been shown my PIN on screen.

I really don't understand that. What if the 'phone is nicked, surely the robber then has access to everything that's on the 'phone, including the banking? As far as I've been able to see, people just tap things and they load up without any security challenge at all. To get into my online banking, a robber would have to nick my PC, and my PC login password, and my banking user ID, and password to get access to my banking.

Statistics: Posted by BeebMaster — Mon Mar 04, 2024 12:51 pm

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