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Legal & money

Do you use Internet banking?

(115 Posts)
Shinamae Mon 19-Apr-21 10:35:38

A couple of years ago I left my High Street bank and opened an account with First direct which is purely online. I am quite happy with it but I’m getting a bit worried about all the stories about hacking.The rate they are closing High Street banks as well looks like in the not too distant future online banking may be the only option....Thoughts please

tanith Mon 19-Apr-21 10:40:13

I’ve been doing online banking since it started on my mobile and iPad I’ve never had a problem. I’m not too worried.

Blossoming Mon 19-Apr-21 10:42:24

Yes, I use internet banking. Not much choice as I can’t get to a physical bank most of the time. I’m very careful about security, I never click on email links, etc. and I check transactions and balances regularly.

Deedaa Mon 19-Apr-21 10:42:54

I've banked on line with Nationwide for some years now. I've never had any problems. So easy to keep an eye on what's going in and out of the account. Lot's of tradesmen like bank transfers now and it's much easier than going and taking the cash out for them.

Dottydots Mon 19-Apr-21 10:43:14

I have an online banking account and use it for checking my balance each week. The only transactions I make online are transferring money from my bank to an account I have with my building society. I'm rather worried about doing anything else, though.

Whitewavemark2 Mon 19-Apr-21 10:48:28

Been online for years it seems. Can’t remember when I last visited my bank.

BigBertha1 Mon 19-Apr-21 10:53:41

Me too been dong it since the beginning but on my mobile- I'm frightened I might leave it somewhere by mistake. I find First Direct to be excellent.

Roses Mon 19-Apr-21 10:57:26

I resisted for years and then this year it made more sense than having to go to the bank

Twice now my card has been frozen whilst bank checked with me that transactions were genuine. This makes me feel much more secure

wildswan16 Mon 19-Apr-21 11:25:44

I'm OK using online banking on my laptop but I can't get myself to install the app on my mobile. Not sure why, but I feel much less confident going online on my phone.

Teacheranne Mon 19-Apr-21 11:40:58

wildswan16

I'm OK using online banking on my laptop but I can't get myself to install the app on my mobile. Not sure why, but I feel much less confident going online on my phone.

I am the same, I don’t have the banking app on my phone, just my iPad which rarely leaves the house. But I do buy things online from my phone, especially when I’m sat in the car getting bored! I still get paper copies of my bank statement and credit card though as I find it easier to check them on paper rather than on my screen.

I pay in cheques at the post office as my local branch recently closed and now it’s a ten mile drive to the nearest branch.

EllanVannin Mon 19-Apr-21 11:41:32

No, I don't trust it. It's just as easy to phone them.
I receive paper statements, usually a week behind but at least I can keep track.

Grandmajean Mon 19-Apr-21 11:42:16

Love Internet Banking. Only got in a muddle once when I typed in the wrong password twice and it locked me out ! I eventually got a lovely guy on the phone who talked me through the ( complicated ) procedure to get back on. He didn't even say "idiot" once - well , not while I was talking to him !

Sarnia Mon 19-Apr-21 11:54:26

I gave up the fight when Covid arrived. The banks were shut with some locally never re-opening. I don't need to be wasting paper with statements and envelopes coming through the post either. I have been pleasantly surprised. I always follow closely what I am doing and I always make sure I log out securely. More than that I cannot do.

FlexibleFriend Mon 19-Apr-21 11:55:50

I too love internet banking and have used it from the very beginning and never had a problem.

Shinamae Mon 19-Apr-21 11:59:05

Great,thanks for the reassuring messages, I only have my banking app on my phone not on my iPad but I feel quite secure now reading your comments and also I have a very peculiar password to get into my account and I do change it quite frequently....

Stansgran Mon 19-Apr-21 12:00:28

DH sold a car last week to a young man ( young to me) who owned an internet company. He said everything and anything can be hacked. I opened an account on line for the Pandemic to pay bills and to receive payments in but I keep only a small amount in it.

Kim19 Mon 19-Apr-21 12:00:29

No. Never been tempted. I do believe all banks will sort out scams etc., but I can't be bothered with the potential faff that might be involved in doing so. I also check my balances very regularly. Mind you, when their systems 'go down' we're stuck anyway. Happily I have found that to be very much rarer these days.

Pantglas2 Mon 19-Apr-21 12:26:48

I’ve used internet banking for many years for the ease of checking ins and outs and balances daily. Couldn’t bear to wait a month for a paper statement!

Jaxjacky Mon 19-Apr-21 12:35:32

I use it and have an app on my phone, I log in on the iPad if I need to set up new standing orders or similar. So many people including most tradesmen take bacs payment now and at a glance I can check balance, payments in/out. Large purchases online I have to verify and do so through the app, it’s very quick, never had any problems. My phone is welded to me anyway!

Nonogran Mon 19-Apr-21 12:38:07

I have on line accounts with two different banks. I'm totally comfortable with it. Have been on line for many many years.
I have shied away from an App on my phone as in reality, day to day I don't need it.
I change my passwords regularly. Works for me.

HillyN Mon 19-Apr-21 12:49:25

We've been doing internet banking with First Direct almost since they began and they have been very good. I also do business internet banking with HSBC and they do seem pretty security aware.

annodomini Mon 19-Apr-21 13:29:20

Yes, I do internet banking. All the banks (four) in this small town have closed in the last decade and the Post Office isn't easily accessible. It's difficult for some people who don't use the internet and don't have their own transport.

dragonfly46 Mon 19-Apr-21 13:39:16

I have found recently that everything is done online these days. I am executor of my mother's will and I am having to do everything online - even signing documents. Registration of death was online and the death certificate, closing balances are sent online and applying for probate is online. It must cost time and money to have to do everything by letter these days and with some institutions there is nowhere to go anymore.

Charleygirl5 Mon 19-Apr-21 13:42:55

I have done internet banking for years and do get myself locked out and it is a faff getting online again. I do have the app on my phone but I have never had the courage to use it.

timetogo2016 Mon 19-Apr-21 13:52:18

No,i don`t trust it but dh does and he thinks it`s brilliant.