Banking without a mobile phone - is it possible?

The problem is not, for most of us, doing the actual banking - the Co-op will verify by email.
It is with buying stuff on-line when whoever is processing the transaction demands a mobile number, and there is no facility for asking them to use the landline or email.
I have been told to ring and ask for a 'white out' on security for a set amount of time. I haven't found out what would happen if, in that window of time, my account was scammed. I know you can ask for it to be as little as 15 minutes.
For historical reasons, I have 3 credit cards, and usually find that one of them lets me do a transaction without checking. I had intended to 'rationalise' them, but they are proving useful!

My OH recently had a problem trying to make a purchase on a credit card he's used many times, often for larger purchases. The bank wanted to send an OTP (one time password) to his mobile phone but he does not use one. They refused to send it to our landline.

When he phoned to complain he explained that we live in a very rural area where it is seldom possible to get a mobile phone signal, that we were elderly, could not go to shops and were trying to purchase food from a supermarket before Christmas.

There was no apology and no suggestion as to how this problem could be solved.

Pammie
You say its all getting so complicated
That's because the scammers technology is getting better and better.
My stepdaughter worked in bank security. You would be amazed at the steps the banks go through to try and stop them.

I agree that we shouldn't have to change our phone habits to suit the bank (and other establishments) but the fact remains that we are at a disadvantage if we don't embrace the changes. We have reluctantly downloaded the mobile app but actually it does make life a lot easier.

We dont have a land line, so hard luck if the ask us for one, they will have to do with our mobiles I am afraid.

My bank is now insisting I give them my (non-existent) mobile phone number for security reasons.

These security reasons are that mobiles are more secure than landlines. If someone else spends time in your house and you leave your laptop around and keep your passwords in a little black book in the drawer, then the One Time Password is the last step in protecting your account. Your landline does not need fingerprint, facial recognition or a password for someone to answer it or read a text and that provides the final step in providing access to your account.

Anyone who has different carers regularly coming to the house or living with unscrupulous relatives could well be at risk. We were burgled, they opened the lid of my laptop but couldn't get any further. I don't think they could have access to my accounts and my mobile phone was with me.

I agree that banks could do a lot more for those who are increasingly excluded from the digital world but they also must keep our accounts secure.

Lloyds asked me for my mobile number, but were perfectly OK with me not having one.

lemsip

I don't use my mobile for banking!! It is used to receive the text from bank to access my account online by laptop!

Good point! What I mean is that I have not downloaded the bank app onto my phone so cannot do more direct banking such as money transfers or payments on my phone. In part it is because I prefer the bigger screen and keyboard on my iPad so make fewer typing errors!

It’s really easy banking with a mobile phone and you can do things instantly. If your bank tracks unusual activity they contact you with codes that only you can see. It’s never been a problem just don’t use unsecured network’s.

Similar problem here, Nationwide want to text a code to my brick £10 mobile.....but there is mostly no mobile reception here.
So you progress through a big transaction online - but at the final hurdle can’t make the actual payment - without a security code.

Sometimes the security codes come through 3 days after you needed them...?

I had to set up email verification as I cannot read codes on mobile phones. I hope my bank doesn't stop this facility as sight impaired people struggle enough with reading on a pc screen never mind a mobile phone.

On my husband's internet Banking account he has the choice/option of landline or mobile. Go into your personal Info. section where name, address etc. is and you should see

hugshelp The Bank of Scotland phone you on a landline and speak the code to you. (I think it is done with recorded numbers, as it sounds robotic, like the old speaking clock, but you don't have to see it)

that's good to know elegran thanks

I don't h ave any phone!

Not even a landline, Daftbag ? So you are not able to do telephone banking at all , let alone use a mobile to receive one-off codes?

Daftbag, what would you do if you needed medical help?