General Chat

I have just decided that I would like to do online banking in our Barclays account.

Well, what a palaver.

Phoned up (got through to India!!) spoke to 2 different people who did not understand that I had never done online banking before !!!!

I am now going to get in the post a 'card reader' which has to be attached to my computer before I can do any transferring of money etc.,

This is a joke..... please tell me I have fallen asleep and have had a nightmare :-S

the card reader does not attach to your computer.
Basically you put your debit card in it and your pin so that you can log in - very secure.
It is like a small calculator and give you a number to type into the website which is a fresh number every time and prevents (in theory) others accessing your account.
Bear with it - it actually works rather well

PP
The card reader is for your own security.

It's the same one as they use in the bank when you take out money on your card

Von

Von - never go into a bank only ever use 'hole in the wall' only ever done telephone banking.

Errol - excuse my ignorance, but if not attached to my computer how do I access my account to move money about etc.,? :-S

ooh and I just had a thought - I am only on Broadband not WiFi will that make any difference?

Off now until tomorrow

Thanks for your help... <3

The card reader just generates an extra password (number actually) which you type into the computer when it asks for it.
Natwest use the same system.
Once you have logged in then your accounts are listed on the screen and you can move money from one to the other or else pay persons, businesses or other banks and set up standing orders so long as you have the recipient's sort code and account number.
Broadband or WiFi (or even dial-up if that still exists) are both OK.

PP
I've sent you a pm.
Von

Aw bless you PP......:)

Von...hope you have helped her with your pm:))

jude x

I have one and find it very simple to use.

Pin sentry works.........but at times, is a pain.........
Bob

PP - you may feel that it's a pain in the neck at first, but keep the instructions close to hand and stick with it, practise makes perfect.
After a short while you'll see that its additional security is a bonus, where, in this day and age it so often lacks, and you hear about this, that and the next thing being hacked into.
Once you've got used to using it, you will see the advantages.
NatWest and HSBC have them too.
You will get used to it, honestly ;-) that goes for the online banking and the Pin sentry (card reader).

Hate to rain on the parade but ...

(1) These devices create a false sense of security as they are vulnerable to "man in the middle attacks". As Barclays and others insist they are infallible (not) you'll get nowhere with any problems once one is registered to your account.

(2) India is a different planet to the UK. Vast amounts of UK banking data are now accessible in India (NHS records, DVLC to come). It is then unsurprising that India is the WalMart of bulk bank credentials etc. Crashes such as RBS ( again ) are not surprising either.

These devices are not new - I was using such a system for access back in the 1980s. That was within an already tightly secured perimeter. Out in the wild is another thing altogether.

Nobody should use a debit card linked to their bank account on line, ever. That especially applies to recurring payments and subs. Either use a credit card - which gives some protection - or one of those pre-charged VISA cards which are used for holiday cash etc.

I shudder to think of the consequences of people on the street with proximity cards ( no pin ) good for £ 20, Oyster cards, smartphones with apps such as ping-it and on line banking. Low hanging fruit from some points of view.

If you have JAVA installed on your computer remove it. Now.
http://www.npr.org/blogs/thetwo-way/2013/01/14/169338707/java-security-flaw-is-repaired-experts-still-recommend-disabling-it

Oyster cards? Aren't you being a little alarmist? Paranoid even?

Does anyone know if a card reader issued by a different Bank work with Barclays?

Nationwide have used this method for a while, is simple to use as you are given instructions each time.


'you'll get nowhere with any problems once one is registered to your account' ?
Rollo you are scaremongering, unless you have personally had problems, a lot of what you have stated is hearsay.

Other than not using Debit cards on insecure sites, that is.

It will not, out-of-the-box anyway.

:-S

My online banking account does not have one of these reader things

I have a 9 number I.D followed by a password then I have to put 3 letter/numbers from a memorable bit of infomation

It has been ok for the last 7 years I have used it

"Does anyone know if a card reader issued by a different Bank work with Barclays?"

I cannot answer specifically; however, a card-reader issued by a different bank worked with a Nationwide account.

I'm the same as jax. I've had no problems for years but it did take a while to learn the 9 digit ID number. I can now do money transactions using my mobile phone.
No cards to play around with this system.

GP