BNZ CC issue - take PC to bank ???

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Forums › Finance and wealth management › BNZ CC issue - take PC to bank ???

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cddt

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#3444775 17-Dec-2025 07:26

xpd:

So guess I'll be taking her to the bank.......

If you can find a branch that is still open with a customer service rep who doesn't just fob you off.

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#3444778 17-Dec-2025 07:36

MichaelNZ:

All the banks are moving towards requiring use of their app and BNZ is leading the charge.

True.

I access the BNZ app on iPhone and iPad and can log in simply with facial recognition. However on MacBook - which has fingerprint recognition biosecurity - after logging in via fingerprint, they insist on sending an authentication code to my iPhone and iPad before I can access the app on MBP.

Maybe I'm missing something but this seems unnecessary, ridiculous and is really annoying. Of course it's me - unless someone has me logging at gunpoint or has cut off my finger.

Sometimes I just sit and think. Other times I just sit.

xpd

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#3444780 17-Dec-2025 07:43

Linux:

@xpd Was the phone powered off? After 72 hours if the SMS can't be delivered then they would would expire and not be delivered

Seriously ? I have never seen anyone mention that before.... interesting to know.

But yes, knowing my parents they let the phone go flat and didnt look at it until they were going out again.

XPD / Gavin

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xpd

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#3444781 17-Dec-2025 07:44

cddt:

xpd:

So guess I'll be taking her to the bank.......

If you can find a branch that is still open with a customer service rep who doesn't just fob you off.

We still have a local branch :D As for the CSR's tho.... guess I'll find out ;)

XPD / Gavin

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Technofreak

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#3444891 17-Dec-2025 11:48

MichaelNZ:

All the banks are moving towards requiring use of their app and BNZ is leading the charge.

So long as the app doesn't require you to use a PIN to unlock your phone, I'm OK with using an app. I have never used a PIN on any of my phones and have no desire to use one in the future.

I'm quite Ok using a PIN or a 2FA app to access any app that needs security but I abhor having to use a PIN every time I use my phone. For most of this stuff I find web access does the job just fine.

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xpd

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#3454025 19-Jan-2026 08:21

Final update.... :)

Took to bank before Xmas.

They refused to setup app access because she has no photo ID on her (they never said that was required on the phone).

Last week, took her back again this time with current, valid and ONLY photo ID she has, an Australian passport.

"Oh, no NZ based photo ID ?"

Thankfully the CSR we dealt with at least had enough sense to contact someone further up the chain and got it approved..... so all up and running now.

But wow.. what fun that all was.

Just for an app.

XPD / Gavin

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#3454026 19-Jan-2026 08:34

@xpd Anyone should know if you visit a bank for support you should always take ID you can't blame the bank for that

xpd

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#3454031 19-Jan-2026 09:08

Linux:

@xpd Anyone should know if you visit a bank for support you should always take ID you can't blame the bank for that

She had plenty of ID but nothing photo based.

Would think it'd be standard on the phone when telling people to visit a branch tho, "please take PHOTO ID", not just ID (as the phone CSR said).

But got there in the end...

XPD / Gavin

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dafman

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#3454036 19-Jan-2026 09:42

I’m siding with the banks on this one. Given the risks to banks from online shopping, it’s not unreasonable for them to require mobile phone for 2FA for this purpose if you are using their credit card service.

There are many risks with virtual credit card shopping. And when things do go wrong, as they do, banks then have to contend with customer demands to make good - often for circumstances outside of the bank’s control.

No mobile phone? Then simple, no online shopping option. Your credit card is still good for bricks and mortar shopping.

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