Funny I actually prefer their system of texting to confirm new payees (on business banking it's only to setup new payees not ones you've used before). I almost

Funny I actually prefer their system of texting to confirm new payees (on business banking it's only to setup new payees not ones you've used before). I almost always have my mobile handy, even abroad, however trying to find & use that darn HSBC dongle every time I want to login or add a payee drives me nuts. I can certainly understand that it's a bit silly if they don't have a workaround for when you don't have a mobile though.