Like many others I have used internet banking for some years, never had any problems. Prior to that, (back in the old days), had problems when someone stole a cheque book and the bank paid out on a cheque from that. Despite the fact that it was a very unusual payment form my account, the bank did not pick this up and I had to point this out to them. Their fraud department did eventually give me that money back.
Only once every had problems with my Barclaycard - and their fraud dept picked up some unusual quite small payments before I did and contacted me about them. They sent me a new card, and it was all sorted out so quickly and efficiently - I was most impressed.
I tend to purchase nearly everything with that credit card these days (it is paid off in full each month - so costs me nothing).
Three times, in the last few weeks, I have had problems with companies. One a cancelled hotel booking - well in advance (due to lockdown), but they still took money for it. Thank goodness, it was on my barclaycard, and I appealed it through them, completed their form showing prove of my cancellation, etc. and BC have refunded that money to me.
I can check both my bank account and barclaycard accounts daily (and do, most days), on my phone or on my laptop.
I feel these are very secure and means- when I am out and about, rarely take much cash with me. With contactless payment in shops it is also means that I do not even have to touch the machines at the tills.
