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Erm, I can login into my HSBC bank account (to check balance, etc) with 3 chars from my password

I just need the token if I'm doing 'something' with money

And no Indian accent on phone service

Another bank I know uses your card as a token, requiring you to have your card + a card reader. Better in some aspects, worse in others.



I still use my HSBC bank account from time to time, so I stand by what I said. In fact, I just checked this for you.

Logging in to HSBC's web UI requires me to "Generate and enter the six digit security code", using my hardware token, which I never have when I need it.


Oh, I'm not saying you are wrong, it may be a difference of accounts/account type.


HSBC US allows login w/o dongle. HSBC UK requires it, at least for me.




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