FabSwingers.com forum: Online banking login experiences

By *orny PT OP Man
over a year ago

Peterborough

Do you enjoy logging in to your online account, or is it a password nightmare?

Which bank/building society has the best or worst login system?

This is my experience.

Nationwide's digital card reader:

Insert card

Enter pin

Read long number on lcd screen

Enter that number on the portal

Welcome!

A great system.

Metro bank: desktop website

enter 12 digit customer number

Enter 3 digits from first secret number (8 digits long)

Enter 3 digits/letters from password (8+ characters long)

Grab mobile phone

Wait for text

Read that number

Enter that number

Try not to screw up typing that in

and...

Welcome.

(if you trip up on those stages, you will only get another 2 attempts. Fail those, then it's a trip to the bank, in person to reset everything again.)

Conclusion.

Nationwide's system is as easy as remembering your pin at the cash machine, whereas Metro feels like mental gymnastics.

For a forward thinking bank, that's open Sundays, evenings, lets your dog in and gives you your bank cards and even takes a picture of you, in order to prevent fraud. This is handy if you have lost, forgotten or had your ID stolen.

I would have expected better, much better.

As for the use-the-mobile-app instead...well if you need to replace or do a hard reset on your phone: well guess what. You're gonna have to come in and do it all again.

Nationwide 1

Metro 0

Why can't keyboards have built in card swipers/chip readers?

How is it for you?

(and breathe)

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By (user no longer on site)
over a year ago

Hsbc and Lloyd’s are fine, my Hsbc business acc involves a little more - mostly trying to remember where I put the fecking number generator thingy

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By *offiaCoolWoman
over a year ago

Kidsgrove

I have exactly the same card reader and the same bank. I have never had any issues thankfully in over 10 years.

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By *orny PT OP Man
over a year ago

Peterborough

"I have exactly the same card reader and the same bank. I have never had any issues thankfully in over 10 years."

Was that Nationwide too?

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By (user no longer on site)
over a year ago

"Do you enjoy logging in to your online account, or is it a password nightmare?

Which bank/building society has the best or worst login system?

This is my experience.

Nationwide's digital card reader:

Insert card

Enter pin

Read long number on lcd screen

Enter that number on the portal

Welcome!

A great system.

Metro bank: desktop website

enter 12 digit customer number

Enter 3 digits from first secret number (8 digits long)

Enter 3 digits/letters from password (8+ characters long)

Grab mobile phone

Wait for text

Read that number

Enter that number

Try not to screw up typing that in

and...

Welcome.

(if you trip up on those stages, you will only get another 2 attempts. Fail those, then it's a trip to the bank, in person to reset everything again.)

Conclusion.

Nationwide's system is as easy as remembering your pin at the cash machine, whereas Metro feels like mental gymnastics.

I would have expected better, much better.

As for the use-the-mobile-app instead...well if you need to replace or do a hard reset on your phone: well guess what. You're gonna have to come in and do it all again.

Nationwide 1

Metro 0

Why can't keyboards have built in card swipers/chip readers?

How is it for you?

(and breathe)

You're not Kenyan, are you?

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By *orny PT OP Man
over a year ago

Peterborough

"Hsbc and Lloyd’s are fine, my Hsbc business acc involves a little more - mostly trying to remember where I put the fecking number generator thingy

Why not velcro it to the back of your monitor?

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By (user no longer on site)
over a year ago

My bank recently changed from 3 step authentication to just needing the pin like an ATM.

Really shit security.

Even Amazon sends a text to confirm the person logging on is me.

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By *orny PT OP Man
over a year ago

Peterborough

"Do you enjoy logging in to your online account, or is it a password nightmare?

Which bank/building society has the best or worst login system?

This is my experience.

Nationwide's digital card reader:

Insert card

Enter pin

Read long number on lcd screen

Enter that number on the portal

Welcome!

A great system.

Metro bank: desktop website

enter 12 digit customer number

Enter 3 digits from first secret number (8 digits long)

Enter 3 digits/letters from password (8+ characters long)

Grab mobile phone

Wait for text

Read that number

Enter that number

Try not to screw up typing that in

and...

Welcome.

(if you trip up on those stages, you will only get another 2 attempts. Fail those, then it's a trip to the bank, in person to reset everything again.)

Conclusion.

Nationwide's system is as easy as remembering your pin at the cash machine, whereas Metro feels like mental gymnastics.

I would have expected better, much better.

As for the use-the-mobile-app instead...well if you need to replace or do a hard reset on your phone: well guess what. You're gonna have to come in and do it all again.

Nationwide 1

Metro 0

Why can't keyboards have built in card swipers/chip readers?

How is it for you?

(and breathe)

You're not Kenyan, are you?

Hujambo!

Nope, I'm English.

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By *offiaCoolWoman
over a year ago

Kidsgrove

"I have exactly the same card reader and the same bank. I have never had any issues thankfully in over 10 years.

Was that Nationwide too?

Yep, had the same bank for around 30 years.

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By *orny PT OP Man
over a year ago

Peterborough

"I have exactly the same card reader and the same bank. I have never had any issues thankfully in over 10 years.

Was that Nationwide too?

Yep, had the same bank for around 30 years."

It's nice, when something simple like that gets rolled out.

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By *inky_couple2020Couple
over a year ago

North West

"I have exactly the same card reader and the same bank. I have never had any issues thankfully in over 10 years.

Was that Nationwide too?

Yep, had the same bank for around 30 years."

Same - Nationwide is very easy. Barclaycard and MBNA - super duper complicated

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By (user no longer on site)
over a year ago

I have no problems with Lloyds. I use the app mostly so I login once and then it's just using my fingerprint to get in to it. Super simple

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By (user no longer on site)
over a year ago

I use log in on my phone as it requires my fingerprint to connect.

Lloyds - mobile great but needs several passwords to make any transactions

Nationwide - mobile great, don’t like computer site as much

Starling - Great site and very easy to use - I have a Euro and £ account with them and can transfer money over to euros instantly and then pay my bills in France

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By *uke olovingmanMan
over a year ago

Gravesend

HSBC online works on my old phone..but the same password doesn't work on my newer one ...grr

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By *orny PT OP Man
over a year ago

Peterborough

"I have no problems with Lloyds. I use the app mostly so I login once and then it's just using my fingerprint to get in to it. Super simple

These IT teams think everybody has a smart phone and they don't realise that when we visit them in the bank, that we notice our accounts being set up on a desktop!

The banks should offer us a USB device, whether it is a calculator/finger print reader or a swiper.

Desktops are here to stay!

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By *iamondCougarWoman
over a year ago

Norfuck! / Lincolnshire

Banking issues? On a fab forum

I don’t have any issues with mine

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By (user no longer on site)
over a year ago

"Banking issues? On a fab forum

I don’t have any issues with mine "

At least it rhymes with wanking..

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By *iamondCougarWoman
over a year ago

Norfuck! / Lincolnshire

"Banking issues? On a fab forum

I don’t have any issues with mine

At least it rhymes with wanking..

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By (user no longer on site)
over a year ago

Lloyds on my phone

Open app,

Scan thumb

Done

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By *evil-AngelWoman
over a year ago

...

Nationwide on my phone is so easy, just use my fingerprint to get in. Although I sometimes have to use a gadget to double its me and not some crazy person with my phone and cut off finger.

HSBC is the bane of my life which is why I'm closing that account. Lost one little gadget so couldn't get in. Had to order another which i could not link to my account because the old one was. Everyone I try to sort it I just get a new gadget sent to me. I now have a family of useless gadgets and no access to Internet banking.

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By *ob198XaMan
over a year ago

teleford

"I use log in on my phone as it requires my fingerprint to connect.

Lloyds - mobile great but needs several passwords to make any transactions

Nationwide - mobile great, don’t like computer site as much

Starling - Great site and very easy to use - I have a Euro and £ account with them and can transfer money over to euros instantly and then pay my bills in France"

Not sure I trust finger print security!! I think my iPhone has a bug, anyones finger on the home key will unlock it, I kid you not!!

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By (user no longer on site)
over a year ago

Couldn't recommended starling bank enough

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By *orny PT OP Man
over a year ago

Peterborough

"Banking issues? On a fab forum

I don’t have any issues with mine

At least it rhymes with wanking..

and involves handing over your deposit.

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