Man has to carry this everywhere he goes if he wants to check his HSBC balance online (which I do constantly on my phone when shopping etc). It’s made my life hell. Just now, I had to go from the living room to my garage room about 3 times because I needed this little fake calculator to log in at home. It’s the worst. Santander doesn’t need it, nor does any other bank. At least gives us the option. If you are going to make pointless gimmicks, at least make an iPhone app like Natwest and Halifax. The mobile site sucks. You have to change to desktop view if you want to make a payment or transfer.
Alright, it’s added security. But I have to carry it with me all the time, so if someone steals my wallet, I’m fucked. Lol.