TOT Barclay bank, crazy security

So woss wrong with that? Or do you think that username/password is adequate?

It's too big and requires a card. The site also asks for:

Surname (public) Membership/Account No./Card No. (public) Last 5 digits of card in reader (public)

The HSBC keyfob is much better. Username + Password + 6 digits from a single button push on a small device.

Can you call them and do Telephone Banking, if you don't have the thingy handy? Just a thought.

If you haven't yet received a calculator style device for business banking, to replace the key fob thingy, you will soon.

Do I conclude you're trying this at a public location? I'd never do that, too much chance of useful data being collected.

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.

Yes I think I could still do that if I remember the numbers.

AJH

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.

Yep, there're on my list;!.

Bit far from us southerners;!(...

You must use cash sometimes surely?...

In article , Nightjar

Yep!, It makes me wonder if they cannot manage that, how do they stay in business?..

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.

...

I don't, for my business. Credit cards leave a clear audit trail.

I have nothing to hide.

More to the point, if you never have cash pass through the business, HMRC know you have nothing to hide.

On 2014-07-06, Nightjar >

Not that they care. They don't trust small businesses.

You can use your mobile phone if it will run the hsbc app. Its fairly safe as long as you protect the phone as the app also requires passwords.

But often they don't.

The banks don't appear to.

Questions are often not well chosen.

May not be practical since people often make mistakes.

They're there for authenication purposes (allegedly) and should also prevent family members accessing the site too.

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.

Marketing usually win.