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Sant refuse to allow payments to registered payees unless I give a mobile number for them to send a OTP I have a registered list of payees but S will not allow online payments without a mobile number. The Ombudsman has said Sant can create any Ts&Cs it wishes and this is covered in new Ts&Cs. FCA says S are not 'in breach' I am seeking another way to contest this demand as it puts me at risk of IT attack because I cannot operate a mobile phone securely and also I consider that it is a 'harvesting tool' for S's benefit. I have other accounts banks and brokers and none have demanded mobile numbers. S declares it as a necessary safety requirement. but that is plainly untrue. I am aware that I can change banks but that is to gift victory to Sant in a dispute that involves that section of folk who do not have a need or want of a mobile phone. Surely there has been a long enough history of banks imposing restrictions on customers that benefit only the banks and dis benefit the customer. Can anyone offer guidance as to how to bring pressure on Sant to revise its policy.