I have to say, I'm fine with it . I've used it for just under 9 years , without a problem . The security of my account is quite reassuring . To access my accounts , there's a 3 stage log - in . Firstly, I need to enter my preliminary login , which is kept only in my head . Then comes my interstitial login , which is different every time . Of the 9 - part secondary login , I'm asked to drop down 3 random parts , say the 2nd , 5th and 8th . After doing all that , the final layer of security is a 6 digit code , sent by text to my mobile phone, which I then type in . Total time taken , about 3 minutes , which will do for me . Are you fine with online banking , or don't you trust it ?