Barry said: "The thing is if we have an opt out then we're not as secure as peers who can use the technology." Yes but that's same as the chip and PIN in the shops. If we opt for chip and Signature in the shops, there is a higher risk of fraud compared to if we use chop and PIN in the shops. I would think if there is to be an opt out for the chip and PIN at home, on grounds of disability, the banks may have to take the responsibility should there be any fraud, just as they do now take on the responsibility if there is fraud for chip and signature in the shops. Regards, Derek e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx "The key is to get the technology working and used by all. If the device, (whatever it may be), can be plugged in when prompted and communicate with the network unattended, I think this would be the better route than opting out." I wonder what The RNIB is doing on this matter? ** To leave the list, click on the immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] ** If this link doesn't work then send a message to: ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, click on the ** immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] ** or send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq