NatWest online banking not "HMRC friendly" - any others better ?
I have used NatWest online banking for a number of years, and it used to be a relatively straightforward matter to have a payee reference attached which was the PAYE reference code, then add a date code on the end.
With the advent of the security card reader for validating changes to online banking settings, this was rendered impractical due to the need to use the card reader plus card a) to change the payee reference to include the date code then b) to make the first (and only!) payment using the changed reference.
A recent letter from HMRC has asked for the date code to be added to the reference code again, but despite having talked to the bank on several occasions, they assert that adding the facility to add (say) a date code to a fixed payee reference without requiring the card reader, would "compromise security".
My proposals have been to keep existing security measures, but to designate (with card reader!) certain payees as having a date code or other fixed-format suffix attached to a fixed reference number prefix, already set up with card reader.
When making a payment you would select the payee as usual, but then add the date suffix using one or two drop down lists.
Hence the only "security breach" would be for the "hacker" to mis-attribute a payment to a different month.
Does anyone have an online banking service that gives better facilities in this area ? Or do you all have wonderful online systems that do such payment coding by another means ?
(My other persistent gripe is that you can't have two payees with the same account number but different payee references)