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UK bank that *doesn’t* have stupid online verification?

On many sites, I can’t pay for things online any more, as Halifax/VISA has decided to make it even harder than ever. It used to be I could generate a new one-time password every time I bought something – now they require me to phone an expensive pay-by-the-second 0800 phone number every time I want to buy stuff.

Any suggestions for a UK bank that *doesn’t* force you to type in a stupid, COMPLETELY INSECURE password every time you want to buy something online?

(this is the VISA “we want all our customers to lose all their money” system, introduced a couple of years ago. So far as I can tell, the only purpose of the system is to make it easier for VISA to refuse to pay out fraud claims when it’s their fault. It has zero consumer benefit)

Obviously, none of the UK banks are smart enough to advertise this as a feature on their websites, so googling hasn’t helped me much :(.

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