Not quite so secure

From time to time I need to set up a new payee on my online banking.

Setting up a new payee involves entering all the details and the amount. The screen then transfers to another screen with a four-digit number and calls the mobile associated with the bank account. Following that I need to enter the number and hang up after with it will be confirmed. So far so good.

A few minutes later I will receive a text to that same mobile:

Confirmation: You set up a new recipient on XX/XX at XX:XX:XX from account ending XXXX. If this wasn’t you please call 08453000000 or +441733347007 from abroad.

In order to set up the payee I need my phone – I cannot do it another way. If it wasn’t me then surely texting that same number isn’t going to change anything as my phone will not be by me?

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One Comment

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