My RBS and Natwest accounts both have CAP devices: http://en.wikipedia.org/wiki/Chip_Authentication_Program http://en.wikipedia.org/wiki/Chip_Authentication_Pr

My RBS and Natwest accounts both have CAP devices: http://en.wikipedia.org/wiki/Chip_Authentication_Program http://en.wikipedia.org/wiki/Chip_Authentication_Program Edit: apparently I don't need them any more. HSBC does still require it though.