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Most banks in the EU require 2FA _every time_ you use a credit card online, due to a EU directive: https://en.wikipedia.org/wiki/Strong_customer_authentication

Most banks in the EU require 2FA _every time_ you use a credit card online, due to a EU directive: https://en.wikipedia.org/wiki/Strong_customer_authentication https://en.wikipedia.org/wiki/Strong_customer_authentication

heavenlyblue 4y ago
Yeah. My TSB bank recently implemented this: - enter credit card details on the website - got to the mobile app, enter second password - receive an SMS to my phone number with 2fa code - login into the app, approve the payment - enter first account password - go back to the website and click continue That’a all together with iOS FaceID enabler. Monzo is actually way simpler.
Symbiote 4y ago
I've started using MobilePay — the Danish send-money-to-anyone-with-a-phone-number system — rather than a debit/credit card wherever it's offered. I've usually provided my phone number already, as part of the delivery address, so it's a click to choose MobilePay, another to confirm the number, then I fingerprint-unlock the MobilePay app and swipe to confirm the payment request that appears.
- rvense 4y ago
  It's not really "send-money-to-anyone-with-a-phone-number", it's "send-money-to-anyone-with-the-mobilepay-app-installed" - and it only works on iPhones and unrooted Android phones with Google services enabled. As someone who doesn't have it, it's very rapidly become the thing that makes me feel the most like a second-class citizen.
  - Symbiote 4y ago
    It would be nice if they'd also implement it using online banking. The British version (PayM) isn't used much, but at least you can add a phone number to your own account within normal internet banking, and send money to a number linked to an account without using either side using an app.
raverbashing 4y ago
Not literally every time, it has a value threshold (also depends on your previous relationship with the vendor, I guess) So, for most purchases it just doesn't trigger

heavenlyblue 4y ago

Yeah. My TSB bank recently implemented this: - enter credit card details on the website - got to the mobile app, enter second password - receive an SMS to my phone number with 2fa code - login into the app, approve the payment - enter first account password - go back to the website and click continue That’a all together with iOS FaceID enabler. Monzo is actually way simpler.

Symbiote 4y ago

I've started using MobilePay — the Danish send-money-to-anyone-with-a-phone-number system — rather than a debit/credit card wherever it's offered. I've usually provided my phone number already, as part of the delivery address, so it's a click to choose MobilePay, another to confirm the number, then I fingerprint-unlock the MobilePay app and swipe to confirm the payment request that appears.

rvense 4y ago
It's not really "send-money-to-anyone-with-a-phone-number", it's "send-money-to-anyone-with-the-mobilepay-app-installed" - and it only works on iPhones and unrooted Android phones with Google services enabled. As someone who doesn't have it, it's very rapidly become the thing that makes me feel the most like a second-class citizen.
- Symbiote 4y ago
  It would be nice if they'd also implement it using online banking. The British version (PayM) isn't used much, but at least you can add a phone number to your own account within normal internet banking, and send money to a number linked to an account without using either side using an app.

raverbashing 4y ago

Not literally every time, it has a value threshold (also depends on your previous relationship with the vendor, I guess) So, for most purchases it just doesn't trigger