watermeadow
I don’t bank online and have a bank card. No credit cards. I suppose we shall all be driven to bank on line eventually but I don’t trust myself , the banks or the scammers.
I can understand your concerns. However, I bank with Nationwide and I use a card reader, and by the second attempt to use it I got the hang of it.
Recently I went online with the TSB. They did not offer me a card reader, and while I understand the need for security, I found it so difficult to use with 6 or 7 bits of information I had to memorise and put in correctly that in three attempts, I failed to get into my account and had to get someone on a Help line to assist me. The result being that we are moving our TSB account to the Nationwide.
DD works in what is essentially cyber security in banking. and I was surprised to discover that she uses a card reader to access her account, but she also has a separate account with an online bank that never has more than £500 in it. When it gets too low, she just tops it up. That way, if anything happens to her phone or her bank, this bank account never has large sums of money in it, nor does she does she do any other banking with the company, so the worse that can happen is limited to what is in this current account.
I am not sure I am up to that yet, butI amworking onit.