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I recently had the misfortune to receive a chip and pin card reader to use with my Smile account and in a stroke the entire banking experience has been ruined.
It's fiddly to use and generally annoying - particularly when I log in at work and don't have it with me.
What I find baffling is that I have to use it whenever I make a bill payment.
Now I can understand that you might want to insist on verifying new bill payments - to stop miscreants setting up a new payment and emptying your account maybe - but I don't see why I have to use the sodding thing every time I pay my Visa bill - something I've been doing for years.
Is it overkill by Smile or is this par for the course? And am I being an even grumpier, unreasonable old man than usual? I have asked them about it and received vague messages about 'preventing phishing'. Ahem.
I did hear First Direct don't bother with them. I am seriously tempted to move accounts - but will I run into the same problems everywhere?
So - is it just me?
Happy new year,
Grumpy of Tooting.
This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author.
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