Barry asked "So, isn't access to higher level security a service?" No the service is access to banking service. How that access is provided, doesn't matter, as long as the customer is treated same as the key pad users. "Isn't being offered a different level of security being offered an inferior service?" No because it's the bank, not the customer, taking on the extra risk, just as they do for chip and signature customers. Do you object to chip and signature if no why not? A customer that is *only* blind, visually impaired, can have a chip and signature card, why should they have this option when they don't need that option do they? Regards, Derek e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx ** 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