Can somebody explain the changes in banking to a complete dumbo?

On Fri, 2 Aug 2019 06:40:22 +0100, The Natural Philosopher wrote:

And pay more...
3 PAYG: 1p/MB 2p/text 3p/min. I use about 500 MB, send 200 texts and about 10 mins of calls per month. 500 + 400 + 30 = £9.30. 30 day SMARTY (part of the Hutchison group who also own 3) "Small" costs £5.63/month unlimited text/mins 1 GB data.
I used to be with TPO (on EE) at £4.99/month until they folded, would have shifted to Asda Mobile (EE) £5.00/month but they don't allow call diversion to anywhere other than voice mail. To work around the poor signal at home I divert the phone set to a VOIP number when at home. Which has the advantage of side stepping the awful delay and poor codecs of the mobile.

Nearest lampost is at least a mile and a half away.
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On 02/08/2019 06:40, The Natural Philosopher wrote:

Woof woof
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Add a prepaid sim from one who does and only use that when you need to be able to receive an SMS with a code in it for your net banking etc.
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On Fri, 2 Aug 2019 20:26:55 +1000, Swer wrote:

Yeah, really convenient to power the phone down, take it out of its case, find something fine and strong enough to eject the SIM/microSD card carrier, swap SIM, insert, power up. Then reverse the process to get back to normal. Then have to find some means of not losing the nano SIM when it's not required...
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Beats not being able to do what you want to do net banking wise because you have no mobile coverage at your place.
And even you should be able to get a sim case from aliexpress for peanuts to keep the sim and the sim remover pin in.
Or get real radical and have a dual sim phone when you realise that there is fuck all mobile coverage at your place.
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On Fri, 02 Aug 2019 14:55:01 +0100 (BST), Dave Liquorice wrote:

I've found something for opening the card carrier - a small hex. key. Very strong and has a nice 'handle' on one end. Gets me - make 'phones slimmer and lighter and then a crowbar is needed to get in!
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Yes I only get 1 bar in my sitting room here. Seems very odd as I'm on top of a hill with two cell towers within half a mile. Brian
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What do you get outside the house ?

You can get that result with foil backed insulation in the house.

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On Thu, 1 Aug 2019 07:50:16 +0100, Brian Gaff wrote:

Not all cell towers carry all four networks.
Also on top a hill, also only one bar inside, nearest cell sites are about 4 miles away but have clear line of sight (hill fog permitting) to them. One of them only has two networks.
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I confess that I’m less than convinced the new system, at least as used by my bank, is safer.
If I use their App on a Smart phone, iPad etc, it seems I just need to enter a code (as now) I picked before. No one time SMS messages.
If I use my laptop, there are three things to enter, plus usually a security question now, and sometimes an SMS message for some transactions.
In future, the App won’t change, but there will always be an SMS message to log in from the laptop.
I’m more likely to lose my phone or iPad, which seems the least secure as it only requires one code.
True, the chances of someone guessing it are remote but still higher than guessing three and the security question.
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On 01/08/2019 10:39, Brian Reay wrote:

You do understand that entering three passwords or two passwords isn't really any more secure than entering one password. I know a lot of people think it is, but it is not. All it is is the equivalent of a longer password and you can break them the same way.
Better security is you have to have something and know something which is say an app on a phone and a password.
Better still is have that something verified by say an SMS so you have code and a password and a physical thing.
Also you need to stop accepting attempts to log in if you think its a brute force attack. Its going to be a long time to even get a four digit PIN if you stick a 24 hour delay in after a few attempts or even stop it until you verify it by phone or online.
My phone is encrypted and pin protected with a lock after three wrong pins and I have to go online to release it or wipe it or track its location from the GPS or set it ringing continuously curtsey of M$.
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wrote:

But touch ID or facial recognition on an iphone is vastly more secure and the phone is no use to someone who finds it or steals it.
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