Dave wrote "the card reader you will have to use next time you want to make an online payment. You can't now make an online payment without one." Just to be more clear here. It does depend on which bank one is customer of. For example HSBC don'tfeel a need for the new set-up simply because unlike some banks, HSBC feels their security is already high enough. Regards, Derek ** 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