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Giles’ guide to online banking

Here we’ll be looking at the benefit of doing your banking online. Most banks have accessible and secure mobile banking apps. To get started, you’ll need access to the internet, your bank details and about five minutes of your time. Mobile apps are the easiest and most convenient way of doing your banking online.

Download your bank’s app from the Google Play Store or App Store (e.g Lloyds bank Mobile Banking or HSBC UK Mobile Banking). You’ll be prompted to create a secure account using your email address and/or mobile number.


You’ll then be asked for your bank account details and depending on your bank, some security questions. More than likely, you’ll also need to verify your account via email or telephone.


Benefits and features

Once you’re all set up, you’ll find that you have a range of features available to you. Depending on your bank, features include:

– Ability to transfer money between your accounts

– Pay a recipient using just a telephone number

– Set savings goals and track your upcoming bills

– Cancel credit/debit cards and order replacements

– Notify your bank that you’re going abroad

– Set up direct debits and standing orders

– Find your nearest ATM or branch

– Apply for loans

– View your statements online and go paperless

– Search your statements for specific transactions

– Extend your overdraft limit

– Contact your bank

– Change your information

– Set up text alerts

– Retrieve money from an ATM without your card

– And more

Logging into your account is safe and secure, requiring either to answer a security question or to scan your fingerprint to log-in. If you will be receiving Universal Credit, you’ll need t make sure that you’re banking online. Check out BOB’s advice for more information about Universal Credit.


More help

If you would like someone to guide you through this step by step, simply turn up to one of our Digital Drop-In Schemes located across the Vale and RCT. You can find more information here.

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