They do. Business Banking has a single buuton keyfob thingy that squirts out a 6 digit number when your press the button. Retail Banking has little calculator style thingy but it doesn't need a card.
Barclays have the horrible large calulator style thingy that also requires a card to be of any use.
Nope, it's just a PITA even at home. Reader thingy lives near the computer, card lives in my wallet, I don't carry my wallet at home. So have go an find it and after wards put card back in wallet. And as I said the other information is all public or not very difficult to obtain.
I doubt it, I dumped HSBC business banking when they wanted to start charging. Now have free business banking with the Cumberland Building Society. I don't use cash or cheques, it's all electronic transfers or credit card.
Ah well, had you still been with HSBC, you would have been getting a calculator style device. I generally avoid changing my business bank, because of the problems of getting every customer to update their records. I still have a couple who send payments advices to an address I moved from several years ago, so I have little hope they would get a change of bank right.
Their free (more or less) business banking is essentially on line only. I can't see why anyone in the UK couldn't have an account with them, they may have something in their rules limiting geographic area I guess. When I was looking for something to replace the free HSBC business account I was very happy to find the Cumberland as no one else appeared to offer such an account.
credit
Only a quid or two for chips 'n curry sauce for lunch. Might get to 7 squid if in Newcastle and one of the Chinese "all you can eat" buffets. If staying away, hotel and restaurant bills go on the CC.
The physical cash comes from ATM's drawing on my personal account but is recorded (if I have receipt) in a business "petty cash" account for tax/VAT etc.
You forget that the "the banks" in this context are actually a tension between gel-haired, strangely bespectacled, marketing types in black polo-necks who want to conduct totally unsecured banking on Facebook and grizzled, grey haired security & fraud types (who think the first lot are mad) who want whatever security is going.
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