4 ms·

I'm from Europe. There's all kinds is new regulations around 2fa for banking apps that came out last year, logging in seems to absolutely require a phone now, a

I'm from Europe. There's all kinds is new regulations around 2fa for banking apps that came out last year, logging in seems to absolutely require a phone now, and all my accounts use an app to do it.

ranguna 5y ago
2fa through SMS? You don't need a smartphone for that. I don't know about Ireland, but in Portugal most banks have a Web app and not just a mobile app.
- swen-rekcah 5y ago
  Sorry I should have been clearer - the banking app is Monzo and they don’t have a web app for mobile or desktop
  - deleted 5y ago
    [deleted]
  - maccard 5y ago
    If you're using monzo I'm guessing UK - pretty much all the banks other than monzo, starling, revolut are _fine_
Symbiote 5y ago
Neither of my British accounts require a smartphone to log in, they send an SMS or make a voice call. My Danish account uses either an app or SMS. You probably can't use a startup bank, as the app is one way they cut costs. Use a boring bank.
- mrweasel 5y ago
  Just curious: Doesn't you Danish account still support the little cardboard card with the one-time codes? Personally I really hate that they want to kill the card, and go to an app model (with the option of a key fob). It's made even worse by the police (and others) pushing the idea that the app is safer. How is it safer to have your two-factor authentication app on the same devices as the apps that need the second factor? Those things should be separate.
  - Symbiote 5y ago
    You are correct, I can also use the code card of one-use keys. I was confused by the recent change where online purchases require an SMS or the app, and no longer work with the code card. I think the app is probably encouraged since it protects against a phishing site like this: hxxp://tilbagebetaling1060dkk.net/1060DKK/ -- but I'm not quite sure how.
- flal_ 5y ago
  SMS as a 2nd factor is ( for a very good reason ) prohibited by dspp2 European directive. You.might have escaped that with brexit though. Even old school banks ( French dude here ) are forced to use apps as 2fa, but my bank for example can provide an hardware token, or a smartcard.
salsadip 5y ago
In case you use macOS and own a M1 mac, check if your bank's 2fa app works on macOS. Your bank can deactivate it but iOS apps default to being runnable under macOS.
thorin 5y ago
UK here: Barclays don't require the app. You can still use the website or even telephone banking with a real agent. They do give you the chip and pin reader, the same as the one used in branches which works well. Santander do seem to use a mobile for 2FA but only to send a text message and you can still use the website. I rarely have to do more than 1 banking transaction / week so I just use the website, from home. Not too bothered about having another app, especially with access to my bank account.

I'm from Europe. There's all kinds is new regulations around 2fa for banking apps that came out last year, logging in seems to absolutely require a phone now, and all my accounts use an app to do it.

ranguna 5y ago

2fa through SMS? You don't need a smartphone for that. I don't know about Ireland, but in Portugal most banks have a Web app and not just a mobile app.

swen-rekcah 5y ago
Sorry I should have been clearer - the banking app is Monzo and they don’t have a web app for mobile or desktop
- deleted 5y ago
  [deleted]
- maccard 5y ago
  If you're using monzo I'm guessing UK - pretty much all the banks other than monzo, starling, revolut are _fine_

Symbiote 5y ago

Neither of my British accounts require a smartphone to log in, they send an SMS or make a voice call. My Danish account uses either an app or SMS. You probably can't use a startup bank, as the app is one way they cut costs. Use a boring bank.

mrweasel 5y ago
Just curious: Doesn't you Danish account still support the little cardboard card with the one-time codes? Personally I really hate that they want to kill the card, and go to an app model (with the option of a key fob). It's made even worse by the police (and others) pushing the idea that the app is safer. How is it safer to have your two-factor authentication app on the same devices as the apps that need the second factor? Those things should be separate.
- Symbiote 5y ago
  You are correct, I can also use the code card of one-use keys. I was confused by the recent change where online purchases require an SMS or the app, and no longer work with the code card. I think the app is probably encouraged since it protects against a phishing site like this: hxxp://tilbagebetaling1060dkk.net/1060DKK/ -- but I'm not quite sure how.
flal_ 5y ago
SMS as a 2nd factor is ( for a very good reason ) prohibited by dspp2 European directive. You.might have escaped that with brexit though. Even old school banks ( French dude here ) are forced to use apps as 2fa, but my bank for example can provide an hardware token, or a smartcard.

salsadip 5y ago

In case you use macOS and own a M1 mac, check if your bank's 2fa app works on macOS. Your bank can deactivate it but iOS apps default to being runnable under macOS.

thorin 5y ago

UK here: Barclays don't require the app. You can still use the website or even telephone banking with a real agent. They do give you the chip and pin reader, the same as the one used in branches which works well. Santander do seem to use a mobile for 2FA but only to send a text message and you can still use the website. I rarely have to do more than 1 banking transaction / week so I just use the website, from home. Not too bothered about having another app, especially with access to my bank account.