Because it is confirming your identity (by possession of the card and pin) - you may need to do that for something without signing in.
Probably from signing cheques and you are "signing" the payment. Anyway, while you could be transferring money between your own accounts, you could also be paying for something, as distint from a transfer.
No idea.
SteveW
Challenge response. My bank (NatWest) uses it if I want to make a change to a standing order, or add a payee.
I am given a string of digits from the website. I insert my card, press Respond and enter my PIN. I also enter those digits. I am given another set of digits as a response to type back in.
I probably do it about once a month.
But only if the banks offer that solution
many are not
tim
Change your bank then
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