WOW, another smile customer :) I've had an account with them since about 2000 I think, they were unique in their time. I currently only have to use the pin pad when transfering money outside of smile accounts. I've only used it once in the year or so I've had it, which caught me out completely as it was still packed in a box from moving. Cue frantic searching of boxes to locate it!
Originally Posted by Ric_
Egg are lagging - they could at least ask partial passwords, though that won't help if someone's phished the whole lot. OTOH, they now "2 factor" new payees by texting you - highly convenient and quite secure.