Despite being the victim of a cyber-fraud last year (I lost £200 to a Polish dude who somehow bought my pin from someone somewhere) I STILL think Barclays are being totally paranoid and over the top.
When asked to order the magic-device I thought it was just for setting up new payments and payees.
But no... I have to use it everytime I log in to my online banking.
Logging in is a painful, 6-step, process: entering all the usual details, numbers, random letters from password, then 4 digits from my card. I then add my pin to the device to identify myself and then have to provide the resulting 8-digit code to my online login.
Setting up a new payment requires me to enter all the details online, then all of them again on device (including their a/c number, sort code, amount) and then put a code from device back online.
It is, slightly quicker to do than to explain, but is it really necessary?
Every Barclays customer is being forced to 'upgrade' to this new plastic toy.
But won't it be hacked within time anyway? It's just an algorythm I'm guessing.
After setting up the payment I also get a text saying "a transaction has been set up, please contact us if it's fraudulent".
A little OTT?
*turning into a grumpy old man*
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