Most of time their internet banking works OK. I've been using it for the last 18 years. However, the last 2 months when trying to log in you have to get a text msg or phone call giving a four digit ADDITIONAL code to the ones you already use to log in! This is NOT technology serving me. I am now serving it. I don't have a mobile, but the system keeps defaulting to SMS msg selection. I had this altered by Lloyds after phoning them, but it has reverted to SMS msg. I now have to go through 2 more screens to get an automated phone call on my landline giving the 4-digit code. Then, when trying to input the four digits you get the usual French farce of the automaton saying "I'm sorry, but the code has not been recognised", even when it is entered correctly. You then have to get ANOTHER 4 digit code and that eventually works. This is not service. This is big finance reducing the population by heart attacks brought on by infuriation!