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UK diy (uk.d-i-y) For the discussion of all topics related to diy (do-it-yourself) in the UK. All levels of experience and proficency are welcome to join in to ask questions or offer solutions. |
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#1
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Rant: Banks that only let you see the last few transactions online
Rant warning
Just logged onto my low usage Barclays account and I'm greeted by an empty statement saying "there are no transactions for the period you selected". WTF.. I haven't selected any period ... oh, it says "in the last 30 days", true I haven't used them for over 30 days but I want to update by spreadsheet from April. There is no way to view a statement of any kind, all that's on offer is 'export' but all attempts to coax that with various date ranges give the same error "there are no transactions in that period". I have to resort to phoning their helpline where (eventually) I'm told "only 60 items or 6 weeks [whichever is less] are available online [so any of my stuff from April has timed out!]. They say if I change from paper statements to online statements I can read them online, yeah right, as if I'd trust them not to suddenly curtail that and/or make then non-cut'n'pasteable pdf's. Fortunately I do have the data as paper statements but that's not the point of online banking is it. I think I would agree to having online statements if they would email them to me, that way I am sure to get them rather than having to remember to fetch then every month.. oh its not even every month now, they don't generate them if there are no transactions! On the other hand Bank of Scotland allows exporting from 1st Feb. 2005 (although it used to be 2002 and they seem to have arbitrarily changed it) with limitations of max of 150 entries and 3 months timespan at a time, but you can make multiple downloads to get anything and everything from 1/2/2005. Lloyds have exactly the same rules but go back to 1st July 2002. So which banks do give decent access to your past transactions, and what is the idea behind Barclays making it such a pain? And which are the badies - name and shame them!! /Rant Phil |
#2
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Rant: Banks that only let you see the last few transactionsonline
On Wed, 26 Sep 2012 23:10:25 +0100, Phil Addison wrote:
So which banks do give decent access to your past transactions, and what is the idea behind Barclays making it such a pain? And which are the badies - name and shame them!! NatWest appear to let me go back to 2005. -- Use the BIG mirror service in the UK: http://www.mirrorservice.org *lightning protection* - a w_tom conductor |
#3
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Rant: Banks that only let you see the last few transactionsonline
On Wed, 26 Sep 2012 23:10:25 +0100
Phil Addison wrote: Rant warning Just logged onto my low usage Barclays account and I'm greeted by an empty statement saying "there are no transactions for the period you selected". WTF.. I haven't selected any period ... oh, it says "in the last 30 days", true I haven't used them for over 30 days but I want to update by spreadsheet from April. There is no way to view a statement of any kind, all that's on offer is 'export' but all attempts to coax that with various date ranges give the same error "there are no transactions in that period". I have to resort to phoning their helpline where (eventually) I'm told "only 60 items or 6 weeks [whichever is less] are available online [so any of my stuff from April has timed out!]. They say if I change from paper statements to online statements I can read them online, yeah right, as if I'd trust them not to suddenly curtail that and/or make then non-cut'n'pasteable pdf's. Fortunately I do have the data as paper statements but that's not the point of online banking is it. I think I would agree to having online statements if they would email them to me, that way I am sure to get them rather than having to remember to fetch then every month.. oh its not even every month now, they don't generate them if there are no transactions! On the other hand Bank of Scotland allows exporting from 1st Feb. 2005 (although it used to be 2002 and they seem to have arbitrarily changed it) with limitations of max of 150 entries and 3 months timespan at a time, but you can make multiple downloads to get anything and everything from 1/2/2005. Lloyds have exactly the same rules but go back to 1st July 2002. So which banks do give decent access to your past transactions, and what is the idea behind Barclays making it such a pain? And which are the badies - name and shame them!! /Rant Phil I don't know how far back HSBC will let you go, but I have never had a problem going back into the previous month, certainly more than 30 days. I'll check next time I'm online to them. -- Davey. |
#4
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Rant: Banks that only let you see the last few transactions online
In message , Phil Addison
writes Rant warning Just logged onto my low usage Barclays account and I'm greeted by an empty statement saying "there are no transactions for the period you selected". WTF.. I haven't selected any period ... oh, it says "in the last 30 days", true I haven't used them for over 30 days but I want to update by spreadsheet from April. There is a facility to view old transactions online, but you have to sign up for it, you can't do it retrospectively AFAIK Somewhere near the free kaspersky AV offer -- geoff |
#5
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Rant: Banks that only let you see the last few transactions online
On Wed, 26 Sep 2012 23:31:18 +0100, geoff wrote:
In message , Phil Addison writes Rant warning Just logged onto my low usage Barclays account and I'm greeted by an empty statement saying "there are no transactions for the period you selected". WTF.. I haven't selected any period ... oh, it says "in the last 30 days", true I haven't used them for over 30 days but I want to update by spreadsheet from April. There is a facility to view old transactions online, but you have to sign up for it, you can't do it retrospectively AFAIK Somewhere near the free kaspersky AV offer Can't see any of that. Have you been on lately, they've redesigned the site since I was last on? The export facility seems to be screwed... "Export my data: we'll download all the information we have about your accounts – so we won't ask you for a date range. But please be aware that it may take some time to download." and invoking it produced "You can type in dates for any period between 26/09/2012 and 26/09/2012 for this account." ******s! 'all my data' should go back over a decade!! What with the hassle of their pin sentry, extortionate overseas atm fees, and now this, I might have to ditch them. Phil |
#6
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Rant: Banks that only let you see the last few transactions online
On 26/09/2012 23:20, Davey wrote:
.... I don't know how far back HSBC will let you go, but I have never had a problem going back into the previous month, certainly more than 30 days. I'll check next time I'm online to them. HSBC let you selectively view back to the date of the last statement, which can be up to three months, then view complete statements prior to that. Colin Bignell |
#7
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Rant: Banks that only let you see the last few transactions online
In message , geoff
writes In message , Phil Addison writes Rant warning Just logged onto my low usage Barclays account and I'm greeted by an empty statement saying "there are no transactions for the period you selected". WTF.. I haven't selected any period ... oh, it says "in the last 30 days", true I haven't used them for over 30 days but I want to update by spreadsheet from April. There is a facility to view old transactions online, but you have to sign up for it, you can't do it retrospectively AFAIK Somewhere near the free kaspersky AV offer Barclays used to let you go back several (at least six?) months, but now it's only about six weeks. [The oldest transaction in my current account is 15 August.] On the other hand, Halifax seem to let you go back 'for ever'. -- Ian |
#8
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Rant: Banks that only let you see the last few transactions online
In message , Phil Addison
writes What with the hassle of their pin sentry, extortionate overseas atm fees, and now this, I might have to ditch them. Just another rant or warning. I have a Smile (Co-op bank) account, which deals with a credit card and current account. Both accounts appear to be directly with them, rather than any third party. The cc is paid off automatically by them from the current account on a monthly basis, which usually works pretty well. But during a recent period, mentioned here in times past, where we had to fund air fares to South Africa, the transfer was made by them during a weekend. On the statements, the cash left the current account but failed to appear in the CC account, leaving me apparently a few thousand pounds down overall. When I eventually got through on the phone, I was told that this was because the cc department only updated its transactions each weekday evening, whereas the current account was updated as it happened. So in theory the money was "missing" for two days. I was told the statements would be amended on the Monday night, with the dates of the transaction altered to when the transfer was initiated. I don't think this is satisfactory, and suspect it is of borderline legality to alter statements after the fact. It certainly caused panic here. -- Bill |
#9
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Rant: Banks that only let you see the last few transactions online
On Thu, 27 Sep 2012 00:27:20 +0100, Phil Addison
wrote: ---snip--- What with the hassle of their pin sentry, extortionate overseas atm fees, and now this, I might have to ditch them. I've swapped banks several times in recent times and I have concluded they're all just as bad. -- (\__/) M. (='.'=) If a man stands in a forest and no woman is around (")_(") is he still wrong? |
#10
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Rant: Banks that only let you see the last few transactions online
In article , Ian
Jackson wrote: In message , geoff writes In message , Phil Addison writes Rant warning Just logged onto my low usage Barclays account and I'm greeted by an empty statement saying "there are no transactions for the period you selected". WTF.. I haven't selected any period ... oh, it says "in the last 30 days", true I haven't used them for over 30 days but I want to update by spreadsheet from April. There is a facility to view old transactions online, but you have to sign up for it, you can't do it retrospectively AFAIK Somewhere near the free kaspersky AV offer Barclays used to let you go back several (at least six?) months, but now it's only about six weeks. [The oldest transaction in my current account is 15 August.] On the other hand, Halifax seem to let you go back 'for ever'. Just checked; RBS go back to 2005 Nationwide to 2009 (might be when I opened a/c) You have to click an 'archive' option for the older ones John -- John Mulrooney NOTE Email address IS correct but might not be checked for a while. I wonder if she buys make-up for both her faces? |
#11
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Rant: Banks that only let you see the last few transactions online
I'll add a rant about Barclays online banking. I don't need to pay things
very often via that - perhaps no more than about half a dozen times a year - and usually to someone I've paid before. But a couple of months ago wanted to pay someone else as it were. And it informed me I needed a card reader. Great - but why didn't it send me one before introducing this? Or inform me it would be needed? Got one - and what a performance to pay a bill. -- *(over a sketch of the titanic) "The boat sank - get over it Dave Plowman London SW To e-mail, change noise into sound. |
#12
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Rant: Banks that only let you see the last few transactions online
On 27/09/2012 08:39, Ian Jackson wrote:
Halifax seem to let you go back 'for ever'. OTOH ... We're in the departure lounge about to go on holiday and remember we've not notified Halifax we'll be using our Clarity card abroad. Phone them up on the mobile, wade through the various automated prompts, eventually get a human and start on the security questions. Final one is "What did you spend most recently at Tesco?" Not surprisingly we don't have printed statements to hand, so I log onto the website with the smartphone, find the right account, scroll to the bottom Tesco entry and read the amount. "No, that's not right" she says. Huh? I happen to scroll sideways and see the date column, and (unlike all our other online accouns) Halifax list the most recent transactions from the top downwards. So I read out the top - ie most recent - Tesco amount. "Sorry", say Halifax, "Once you've given an incorrect answer to any question you have to hang up and dial in again". She wouldn't budge. -- Reentrant |
#13
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Rant: Banks that only let you see the last few transactions online
In article ,
Tim Streater wrote: In article , "Dave Plowman (News)" wrote: I'll add a rant about Barclays online banking. I don't need to pay things very often via that - perhaps no more than about half a dozen times a year - and usually to someone I've paid before. But a couple of months ago wanted to pay someone else as it were. And it informed me I needed a card reader. Great - but why didn't it send me one before introducing this? Or inform me it would be needed? Got one - and what a performance to pay a bill. How can you be using Barclays online banking *without* a card reader? Eh? Have done for many years without. -- *Gravity is a myth, the earth sucks * Dave Plowman London SW To e-mail, change noise into sound. |
#14
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Rant: Banks that only let you see the last few transactions online
In article ,
Ian Jackson wrote: How can you be using Barclays online banking *without* a card reader? Just use it to pay regular recurring bills or pay into accounts you've paid into before. You only need the PIN sentry device to set up new payees on the account. Not so. With my Barclays account(s), I have to use the PIN sentry just to 'get in'. My wife's account(s) don't have PIN sentry access protection (just password etc). Did you set it up before the card reader was in use? (may be a silly question) ;-) To get into my account without - and I still can do - I need the name, membership number, password number and another password (memorable name or whatever). I can set the browser to remember the first two, so only have to enter the last two manually. This worked perfectly well for years. Only when I came to try and set up an additional payee did I need the pin sentry device. -- *Xerox and Wurlitzer will merge to market reproductive organs. Dave Plowman London SW To e-mail, change noise into sound. |
#15
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Rant: Banks that only let you see the last few transactions online
Ian Jackson wrote:
In message , John Williamson writes Tim Streater wrote: How can you be using Barclays online banking *without* a card reader? Just use it to pay regular recurring bills or pay into accounts you've paid into before. You only need the PIN sentry device to set up new payees on the account. Not so. With my Barclays account(s), I have to use the PIN sentry just to 'get in'. My wife's account(s) don't have PIN sentry access protection (just password etc). So, as I said, rules vary between accounts. It's a shame we can't live without banks, really. IME, they're all as bad as each other, just in diferent ways. -- Tciao for Now! John. |
#16
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Rant: Banks that only let you see the last few transactions online
In article ,
John Williamson wrote: The problem (As I see it) with the PIN sentry type devices is that if a miscreant has the card and the PIN, they can easily log in as you, as all the card readers issued by each bank use the same algorithm to generate the secure login code, and they're not all that hard to get hold of. Security level's about the same as using an ATM. This is what worries me. My password number and memorable word are only known to me (excepting the bank site, of course). And are rather more involved than a pin to 'break'. -- *In "Casablanca", Humphrey Bogart never said "Play it again, Sam" * Dave Plowman London SW To e-mail, change noise into sound. |
#17
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Rant: Banks that only let you see the last few transactions online
In message , "Dave Plowman (News)"
writes In article , Ian Jackson wrote: How can you be using Barclays online banking *without* a card reader? Just use it to pay regular recurring bills or pay into accounts you've paid into before. You only need the PIN sentry device to set up new payees on the account. Not so. With my Barclays account(s), I have to use the PIN sentry just to 'get in'. My wife's account(s) don't have PIN sentry access protection (just password etc). Did you set it up before the card reader was in use? (may be a silly question) ;-) Yes. Both accounts were in existence before Barclays introduced their PIN Sentry. I was the only one who was sent one. My wife is PIN Sentry-less. To get into my account without - and I still can do - I need the name, membership number, password number and another password (memorable name or whatever). Indeed. The PIN Sentry does away with the memorable word. I can set the browser to remember the first two, so only have to enter the last two manually. To be honest, I don't think I've actually tried to log into my account without the PIN Sentry (not since I've had it). This worked perfectly well for years. Only when I came to try and set up an additional payee did I need the pin sentry device. Yes, I need use the PIN Sentry 'sign' function to do certain transactions. However, I recently did a transfer out of one of wife's savings accounts into our joint current account, and no PIN Sentry was asked for (which was just as well!). -- Ian |
#18
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Rant: Banks that only let you see the last few transactionsonline
Huge wrote:
On 2012-09-27, John Williamson wrote: all the card readers issued by each bank use the same algorithm to generate the secure login code, Do you have a reference to that? Obviously, everyone using the same model of Xiring reader will be the same. Is anyone not using a Xiring reader? And if not, are they really functionally identical? As the bank use what I have been told is a normal home unit in branch to verify my PIN when I talk to the personal bankers, I would think they are, though I've not seen documented proof, no. If they're not, though, think of the Fun when Mrs. Bank Customer borrows Mr. Bank Customer's reader by mistake... I would expect HSBC to use a different system to Barclays, and to NatWest, though. -- Tciao for Now! John. |
#19
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Rant: Banks that only let you see the last few transactions online
In article ,
Tim Streater wrote: This is what worries me. My password number and memorable word are only known to me (excepting the bank site, of course). And are rather more involved than a pin to 'break'. Except that you send them over the wire each time, albeit using a secure protocol. A card reader provides a one-time password. May do, but that could be hacked too. -- *Geeks shall inherit the earth * Dave Plowman London SW To e-mail, change noise into sound. |
#20
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Rant: Banks that only let you see the last few transactions online
On Sep 27, 3:03*pm, John Williamson
wrote: The problem (As I see it) with the PIN sentry type devices is that if a miscreant has the card and the PIN, they can easily log in as you, as all the card readers issued by each bank use the same algorithm to generate the secure login code Quite right too. I don't want to have to carry around a seperate access device for every smartcard I have. The sole purpose of PIN sentry card access devices is to faciliate two factor authentication i.e. prove your authenticity through something you have (the card) and something you know (the PIN). The device is merely the mechanism by which these two aspects can be proven; possession of the device does not factor into it. Any cryptography that relies on keeping the algorithm secret isn't really worthy of the name. It is the keys that must be protected. Mathew |
#21
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Rant: Banks that only let you see the last few transactions online
John Williamson wrote:
Huge wrote: On 2012-09-27, John Williamson wrote: all the card readers issued by each bank use the same algorithm to generate the secure login code, Do you have a reference to that? Obviously, everyone using the same model of Xiring reader will be the same. Is anyone not using a Xiring reader? And if not, are they really functionally identical? As the bank use what I have been told is a normal home unit in branch to verify my PIN when I talk to the personal bankers, I would think they are, though I've not seen documented proof, no. If they're not, though, think of the Fun when Mrs. Bank Customer borrows Mr. Bank Customer's reader by mistake... I would expect HSBC to use a different system to Barclays, and to NatWest, though. I have used a BNP Paribas (Belgium) card reader successfully to read my Nationwide card and login to Nationwide. It also works the other way around for *some* but not all transactions. The BNP Paribas card reader simply has more options than the Nationwide one, I don't think there are any different security algorithms in it. -- Chris Green |
#22
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Rant: Banks that only let you see the last few transactions online
On Thu, 27 Sep 2012 12:00:51 +0100, Tim Streater
wrote: In article , Phil Addison wrote: What with the hassle of their pin sentry, extortionate overseas atm fees, and now this, I might have to ditch them. Could you explain what you mean by "hassle"? Do you mean having one at all or the need to use it for some particular action? I have several bank/building soc accounts and Barclays is the only one that uses a card reader. By hassle I mean that to log-on I have to find the reader, get the card out my wallet, press the 'identify' key, type the pin into it, press enter, read the 8-diit key and retype into the banks 2nd login page. All in addition to havnig filled out the 1st page with 2 fields of info. I have to use it again to validate new payments even for low amounts, and have to do it all over again when the 10 minute timeout catches me out. It realistically limits me to accessing my account from home where I keep the reader, and its another thing to remember to pack when travelling. However, last night I read on their new site they have a mobile app that can somehow be ued in lieu of the pin sentry, I'm not sure for what though, I have to look at it again. In addition they allow read-only access without pin sentry but I think you have to register for that first. Plus another mobile app called 'pingit' that 'allows you to send money to someone else. I tried it and it said 'sorry that person doesn't have a barclays accout' duh!! I feel the pin sentry security is OTT, annd now a bit worried from whats been said here that it might actually be less secure if my card is lost/stolen. Phil |
#23
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Rant: Banks that only let you see the last few transactions online
See new thread for summary of data availability.
"Bank transaction history availability (was Rant: Banks that only let you see the last few transactions online)" Phil |
#24
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Rant: Banks that only let you see the last few transactions online
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#25
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Rant: Banks that only let you see the last few transactions online
In article ,
chris French wrote: I have used a BNP Paribas (Belgium) card reader successfully to read my Nationwide card and login to Nationwide. It also works the other way around for *some* but not all transactions. The BNP Paribas card reader simply has more options than the Nationwide one, I don't think there are any different security algorithms in it. As an experiment I tried to use my Nationwide reader with my smile card on my smile accounht (or vice versa, can't remember). It's didn't work - it would produce codes,but they were rejected by the website. When I'd left my reader in France I popped into the N/wide brance to do a transfer and asked to use a reader to do it. The assistant gave me a new one and said that "once a reader has been used with a card, it can only be used by *that* card. Might just have been bull though. John |
#26
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Rant: Banks that only let you see the last few transactions online
On Thu, 27 Sep 2012 18:44:41 +0100, Tim Streater
wrote: In article , Phil Addison wrote: On Thu, 27 Sep 2012 12:00:51 +0100, Tim Streater wrote: In article , Phil Addison wrote: What with the hassle of their pin sentry, extortionate overseas atm fees, and now this, I might have to ditch them. Could you explain what you mean by "hassle"? Do you mean having one at all or the need to use it for some particular action? I have several bank/building soc accounts and Barclays is the only one that uses a card reader. By hassle I mean that to log-on I have to find the reader, get the card out my wallet, press the 'identify' key, type the pin into it, press enter, read the 8-diit key and retype into the banks 2nd login page. All in addition to havnig filled in the 1st page with 2 fields of info. Get your browser to remember that info. I have to use it again to validate new payments even for low amounts, and have to do it all over again when the 10 minute timeout catches me out. It realistically limits me to accessing my account from home where I keep the reader, and its another thing to remember to pack when travelling. I don't log in to my account while travelling. But if I wanted to, the PinSentry would avoid my having to remember loadsa stuff doing it the other way. I use "roboform everywhere" to encrypt and store 100's of logins so only have to remember the single master password (which is a very long phrase) and if I wanted can login from my phone this way. Its a definite recommendation for a few quid a year. So I'm the opposite, pin sentry means barclays is the one I can't log into, except as read-only if I don't have it with me which is invariably the case. However, last night I read on their new site they have a mobile app that can somehow be ued in lieu of the pin sentry, I'm not sure for what though, I have to look at it again. In addition they allow read-only access without pin sentry but I think you have to register for that first. Plus another mobile app called 'pingit' that 'allows you to send money to someone else. I tried it and it said 'sorry that person doesn't have a barclays accout' duh!! I feel the pin sentry security is OTT, annd now a bit worried from whats been said here that it might actually be less secure if my card is lost/stolen. ISTM to be more secure than selecting your birthday and then typing in some subset of your password. The Yanks even think that having to enter your social security number somehow "validates" you. |
#27
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Rant: Banks that only let you see the last few transactions online
On Thu, 27 Sep 2012 00:27:20 +0100, Phil Addison wrote:
The export facility seems to be screwed... "Export my data: we'll download all the information we have about your accounts so we won't ask you for a date range. But please be aware that it may take some time to download." and invoking it produced "You can type in dates for any period between 26/09/2012 and 26/09/2012 for this account." ******s! 'all my data' should go back over a decade!! Only a decade? That unambigious statement should furnish me with at *least* 34 years worth of transactions. I can't actually remember when I opened the account, I might be a couple of years short. What with the hassle of their pin sentry, extortionate overseas atm fees, and now this, I might have to ditch them. And online banking that you can't use at all without javascript and with javascript is slow clunky eye candy heap of poo. Also quite close to ditching them. -- Cheers Dave. |
#28
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Rant: Banks that only let you see the last few transactions online
On Thu, 27 Sep 2012 22:00:27 +0100 (BST), "Dave Liquorice"
wrote: On Thu, 27 Sep 2012 00:27:20 +0100, Phil Addison wrote: The export facility seems to be screwed... "Export my data: we'll download all the information we have about your accounts so we won't ask you for a date range. But please be aware that it may take some time to download." and invoking it produced "You can type in dates for any period between 26/09/2012 and 26/09/2012 for this account." ******s! 'all my data' should go back over a decade!! Only a decade? That unambigious statement should furnish me with at *least* 34 years worth of transactions. I can't actually remember when I opened the account, I might be a couple of years short. Bloody hell, Dave, they won't give you any credit for that, probably the opposite PS, look closely at the 2 dates I quoted What with the hassle of their pin sentry, extortionate overseas atm fees, and now this, I might have to ditch them. And online banking that you can't use at all without javascript and with javascript is slow clunky eye candy heap of poo. Also quite close to ditching them. Yes, the old site was actually pretty quite reasonable. |
#29
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Rant: Banks that only let you see the last few transactionsonline
On Thu, 27 Sep 2012 22:23:16 +0100, Tim Streater wrote:
In article o.uk, "Dave Liquorice" wrote: On Thu, 27 Sep 2012 00:27:20 +0100, Phil Addison wrote: The export facility seems to be screwed... "Export my data: we'll download all the information we have about your accounts so we won't ask you for a date range. But please be aware that it may take some time to download." and invoking it produced "You can type in dates for any period between 26/09/2012 and 26/09/2012 for this account." ******s! 'all my data' should go back over a decade!! Only a decade? That unambigious statement should furnish me with at *least* 34 years worth of transactions. I can't actually remember when I opened the account, I might be a couple of years short. I still have my Trustee Savings Bank pass book. Apparently I still have £1 6s 0d in it - last entry late 1966. I ditches them when I opened my current current account in 1970 - pretty well 42 years to the day, actually - end of September. But I only get a measly 7 years 'all my data'! -- Use the BIG mirror service in the UK: http://www.mirrorservice.org *lightning protection* - a w_tom conductor |
#30
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Rant: Banks that only let you see the last few transactions online
On Thu, 27 Sep 2012 22:25:42 +0100, Olive Addison
wrote: Bugger!! That'll teach me to use the wife's netbook on here :O Phil |
#31
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Rant: Banks that only let you see the last few transactions online
In message , Ian Jackson
writes In message , geoff writes In message , Phil Addison writes Rant warning Just logged onto my low usage Barclays account and I'm greeted by an empty statement saying "there are no transactions for the period you selected". WTF.. I haven't selected any period ... oh, it says "in the last 30 days", true I haven't used them for over 30 days but I want to update by spreadsheet from April. There is a facility to view old transactions online, but you have to sign up for it, you can't do it retrospectively AFAIK Somewhere near the free kaspersky AV offer Barclays used to let you go back several (at least six?) months, but now it's only about six weeks. [The oldest transaction in my current account is 15 August.] On the other hand, Halifax seem to let you go back 'for ever'. I just download all my accounts weekly to microSoft Money That's it no problem -- geoff |
#32
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Rant: Banks that only let you see the last few transactions online
On 27 Sep 2012 21:28:15 GMT, Bob Eager wrote:
I still have my Trustee Savings Bank pass book. Apparently I still have £1 6s 0d in it - last entry late 1966. No who took over the Trustee Savings Bank? Lloyds? They still ought to pay you the £1.30 plus interest... But I only get a measly 7 years 'all my data'! That doesn't really surprise me, you only *have* to keep records for that long. -- Cheers Dave. |
#33
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Rant: Banks that only let you see the last few transactions online
On Thu, 27 Sep 2012 18:44:41 +0100, Tim Streater
wrote: In article , Phil Addison wrote: On Thu, 27 Sep 2012 12:00:51 +0100, Tim Streater wrote: In article , Phil Addison wrote: What with the hassle of their pin sentry, extortionate overseas atm fees, and now this, I might have to ditch them. Could you explain what you mean by "hassle"? Do you mean having one at all or the need to use it for some particular action? I have several bank/building soc accounts and Barclays is the only one that uses a card reader. By hassle I mean that to log-on I have to find the reader, get the card out my wallet, press the 'identify' key, type the pin into it, press enter, read the 8-diit key and retype into the banks 2nd login page. All in addition to havnig filled in the 1st page with 2 fields of info. Get your browser to remember that info. Apart from the fact the 8 digit code is different each time, I would worry that anyone - eg a thief - with access to my computer could log in with the remembered info. I never, but never, let my browser save logon onfo. See roboform comment. OK I didn't mention I use roboform for the 1st page. I have to use it again to validate new payments even for low amounts, and have to do it all over again when the 10 minute timeout catches me out. It realistically limits me to accessing my account from home where I keep the reader, and its another thing to remember to pack when travelling. I don't log in to my account while travelling. But if I wanted to, the PinSentry would avoid my having to remember loadsa stuff doing it the other way. The pin sentry just generates 8 digits for you to retype into the 2nd logon page. You still have to goto the website, and type in your name and 12 digit membership number on the 1st login page. However, last night I read on their new site they have a mobile app that can somehow be ued in lieu of the pin sentry, I'm not sure for what though, I have to look at it again. In addition they allow read-only access without pin sentry but I think you have to register for that first. Plus another mobile app called 'pingit' that 'allows you to send money to someone else. I tried it and it said 'sorry that person doesn't have a barclays accout' duh!! I feel the pin sentry security is OTT, annd now a bit worried from whats been said here that it might actually be less secure if my card is lost/stolen. ISTM to be more secure than selecting your birthday and then typing in some subset of your password. The Yanks even think that having to enter your social security number somehow "validates" you. What happens if you get mugged and at knifepoint are forced to divulge your pin? You might 'just' have a few hundred taken via an atm, or as others hinted, the mugger might be savvy enough to know that he can empty your online account before you report it - he will have taken your phone as well. The bank 'might' reimburse you. Phil |
#34
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Rant: Banks that only let you see the last few transactions online
On Thu, 27 Sep 2012 23:47:43 +0100 (BST), "Dave Liquorice"
wrote: On 27 Sep 2012 21:28:15 GMT, Bob Eager wrote: I still have my Trustee Savings Bank pass book. Apparently I still have £1 6s 0d in it - last entry late 1966. No who took over the Trustee Savings Bank? Lloyds? They still ought to pay you the £1.30 plus interest... But I only get a measly 7 years 'all my data'! That doesn't really surprise me, you only *have* to keep records for that long. Somewhere I think I still have a Post Office Savings Bank account with something like 1/6d deposited. There must be a bit of interest accumulated since then, especially during the 80s... -- Frank Erskine |
#35
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Rant: Banks that only let you see the last few transactions online
On 9/27/2012 8:29 PM, Frank Erskine wrote:
On Thu, 27 Sep 2012 23:47:43 +0100 (BST), "Dave Liquorice" wrote: On 27 Sep 2012 21:28:15 GMT, Bob Eager wrote: I still have my Trustee Savings Bank pass book. Apparently I still have £1 6s 0d in it - last entry late 1966. No who took over the Trustee Savings Bank? Lloyds? They still ought to pay you the £1.30 plus interest... But I only get a measly 7 years 'all my data'! That doesn't really surprise me, you only *have* to keep records for that long. Somewhere I think I still have a Post Office Savings Bank account with something like 1/6d deposited. There must be a bit of interest accumulated since then, especially during the 80s... Somewhere I have my 1960s cheque book from the National Commercial Bank, which no longer exists - I believe it's part of RBS now. There would have been a few pounds still in that account, but RBS claims to have no record of it... |
#36
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Rant: Banks that only let you see the last few transactions online
On 27/09/2012 10:57, Dave Plowman (News) wrote:
I'll add a rant about Barclays online banking. I don't need to pay things very often via that - perhaps no more than about half a dozen times a year - and usually to someone I've paid before. But a couple of months ago wanted to pay someone else as it were. And it informed me I needed a card reader. Great - but why didn't it send me one before introducing this? Or inform me it would be needed? Got one - and what a performance to pay a bill. With RBS and the Co-op I only have to use the card reader for new payments. Once set up the card reader is not required for subsequent payments to the same recipient. -- mailto:news{at}admac(dot}myzen{dot}co{dot}uk |
#37
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Rant: Banks that only let you see the last few transactions online
On 27/09/2012 15:02, John Williamson wrote:
In my case, none of these are written down anywhere, except the username and card details. At work my list of username/passwords fits on two A4 sheets of paper. At home the lists fits on to 5 A4 sheets of paper. While I will admit to some similarity in user/passwords I cannot remember if I've put $$123 or $$456 or $$abc at the end or beginning of each of the passwords. And then there are the systems that will only accept passwords that include a random set of "characters" that need to be changed on a regular basis. Does any organisation think these types of passwords are more secure when they will be written down by EVERYONE that has to use them. -- mailto:news{at}admac(dot}myzen{dot}co{dot}uk |
#38
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Rant: Banks that only let you see the last few transactions online
On Fri, 28 Sep 2012 00:08:30 +0100, Phil Addison
wrote: On Thu, 27 Sep 2012 18:44:41 +0100, Tim Streater wrote: In article , Phil Addison wrote: On Thu, 27 Sep 2012 12:00:51 +0100, Tim Streater wrote: In article , Phil Addison wrote: What with the hassle of their pin sentry, extortionate overseas atm fees, and now this, I might have to ditch them. Could you explain what you mean by "hassle"? Do you mean having one at all or the need to use it for some particular action? I have several bank/building soc accounts and Barclays is the only one that uses a card reader. By hassle I mean that to log-on I have to find the reader, get the card out my wallet, press the 'identify' key, type the pin into it, press enter, read the 8-diit key and retype into the banks 2nd login page. All in addition to havnig filled in the 1st page with 2 fields of info. Get your browser to remember that info. Apart from the fact the 8 digit code is different each time, I would worry that anyone - eg a thief - with access to my computer could log in with the remembered info. I never, but never, let my browser save logon onfo. Me neither. If the browser has saved it then malware or someone else could easily read it. -- snip-- However, last night I read on their new site they have a mobile app that can somehow be ued in lieu of the pin sentry, I'm not sure for what though, I have to look at it again. In addition they allow read-only access without pin sentry but I think you have to register for that first. Plus another mobile app called 'pingit' that 'allows you to send money to someone else. I tried it and it said 'sorry that person doesn't have a barclays accout' duh!! I feel the pin sentry security is OTT, annd now a bit worried from whats been said here that it might actually be less secure if my card is lost/stolen. ISTM to be more secure than selecting your birthday and then typing in some subset of your password. The Yanks even think that having to enter your social security number somehow "validates" you. What happens if you get mugged and at knifepoint are forced to divulge your pin? You might 'just' have a few hundred taken via an atm, or as others hinted, the mugger might be savvy enough to know that he can empty your online account before you report it - he will have taken your phone as well. The bank 'might' reimburse you. I guess this is lower risk. And criminals generally go for the low hanging fruit so I think you're safe until all banks have good web security[1] IME the most common security breach is where they somehow incercept card details in transit and then use them until the card is stopped. [1] Which will never happen. -- (\__/) M. (='.'=) If a man stands in a forest and no woman is around (")_(") is he still wrong? |
#39
Posted to uk.d-i-y
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Rant: Banks that only let you see the last few transactions online
On Thu, 27 Sep 2012 22:00:27 +0100 (BST), "Dave Liquorice"
wrote: --snip-- And online banking that you can't use at all without javascript and with javascript is slow clunky eye candy heap of poo. Also quite close to ditching them. The Santander web site mostly works without javascript except for logging out! I did inform them about this but they are willfully ignorant and won't change it. -- (\__/) M. (='.'=) If a man stands in a forest and no woman is around (")_(") is he still wrong? |
#40
Posted to uk.d-i-y
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Rant: Banks that only let you see the last few transactions online
On Thu, 27 Sep 2012 22:55:57 +0100, geoff wrote:
In message , Ian Jackson writes In message , geoff writes In message , Phil Addison writes Rant warning Just logged onto my low usage Barclays account and I'm greeted by an empty statement saying "there are no transactions for the period you selected". WTF.. I haven't selected any period ... oh, it says "in the last 30 days", true I haven't used them for over 30 days but I want to update by spreadsheet from April. There is a facility to view old transactions online, but you have to sign up for it, you can't do it retrospectively AFAIK Somewhere near the free kaspersky AV offer Barclays used to let you go back several (at least six?) months, but now it's only about six weeks. [The oldest transaction in my current account is 15 August.] On the other hand, Halifax seem to let you go back 'for ever'. I just download all my accounts weekly to microSoft Money That's it no problem MS money stopped working for me years ago. The last UK version was, IIRC, about 2004??? -- (\__/) M. (='.'=) If a man stands in a forest and no woman is around (")_(") is he still wrong? |
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