[pen] Hmm yes, it can be frustrating that. Mostly works fine for me, but I don't really want to carry that gizmo between work and home ever day in case I need to do some banking. Still, work is forcing me to ditch Barclays so I won't have to deal with it soon.

Is this some kind of card-reader thing? RBS introduced one of those and it's one of the reasons why I'm switching to the Halifux. (That and I get to spend my wife's shoe fund on beer).

Natwest sent me one of these sometime last year. I am an active on-line banking user, but have never needed to use the thing once. Don't even remember where I put it.

[rab] You drive this site with php? Do you use a framework of any kind or have you done the whole thing from scratch? I'm also impressed with the clever "hide" widget-thing. Presumably done with javascipt? The reformatting on display and hide is very clean on my browser. It must have taken some work to prevent it to screwing up the markup when it opens up. Do you pull it off with clever CSS trickery? Sorry to sound like a kid after consuming a large coke and 99. This stuff is like sweets to me sometimes.

[rab] yes - it's a security measure that ensure that you are the right person to access the account as you need the card, its PIN, the gizmo, and the log-in details to get in to the account or set up a new payment. Not a bad idea all in all, but a bit of a pain sometimes.