SKU: EN-P10189
To opt out of receiving spam texts you have to write to Barclays (and when they say "write" they really do mean by taking pen to paper, and adding envelope and stamp) -- or "by visiting your local branch and providing your full name, address and account details and the types of communication that you no longer wish to receive (eg mail, telephone or email)". Hardly a convenient way to say 'don't spam me'. If you have one of the supported smart phones and can download the app, it will walk you through the registration process.
We soon ran iphone 6/6s plus twinkle stardust case into problems registering, First up you're asked to create a five-digit code for security, and then to enter your mobile number and bank account details -- and then the app will send a mobile verification code via SMS, This has to be entered back into the app to unlock the next stage of the registration process: verification, To verify your Pingit account you'll either need your Pinsentry -- a desktop gadget that Barclays uses to boost the security of its online banking service by generating one-time codes -- or find a Barclays ATM or bank branch..
My fellow Craver Rich's attempt to register using a Pinsentry hit the buffers -- after first selecting the wrong key on the Pinsentry he was rightly blocked. But two more attempts, this time mashing all the correct buttons and inputting the supplied digits, were also rebuffed. After the third attempt he found himself locked out owing to "invalid verification code entered" -- and was told he had "no more attempts remaining". To continue, the app suggested he ring a phone number and quote another supplied code -- or "re-register for Barclays Pingit". Since the first attempt to register had failed, it was unclear how to go about re-registering, since he was locked out of the app. Presumably another trip to the bank branch beckoned.
Getting registered and verified involves plenty of hoops to jump through -- indeed, it put us off using the service -- so that feels reasonably secure, Even if someone nabs your phone and knows your account details iphone 6/6s plus twinkle stardust case they're not going to know your PIN, so they won't be able to register you without your say so, Once registered, the app itself is protected by a five-digit passcode, Barclays won't let you choose 12345 or 11111 on the grounds that it's "too obvious", So provided you don't choose other silly stuff like your birthday the passcode should keep light-fingered phone thieves from sending themselves your cash, There is also the £300 daily limit putting a ceiling on the amount of cash that can leak out of your account this way..
A far less secure aspect of Pingit is the amount of mobile phone numbers Barclays is going to harvest as people try to pay their mates that £20 they owe them, and forget to ask whether they want their phone number shared with the bank. There's no way to receive the cash without registering either -- and that means accepting Barclays' right to spam you. Pingit is designed for settling small cash loans between friends and the like. If you want to make payments in shops with your mobile it's not going to be much use. For that you'll need a phone with an NFC chip in it -- the same short-range contactless communications technology found in the Oyster travelcards that let people swipe in and out of the London Underground.
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