I looked into this a while ago and I believe that Lloyds TSB must be the bank as it uses telephone authentication as follows: http://www.lloydstsb.com/security/security_improvements_we_h...

"When you set up a new payment, we’ll give you a call to ensure that the instruction is coming from you.

Step-by-step payment security:

All you need is a telephone near you. You’ll be able to choose which number we call you on, provided it’s a number we already hold for you.

You’ll receive an automated call asking you to confirm details about your transaction.

Then you’ll need to enter a four digit number that will appear on your screen into your telephone keypad."

There's a Flash demo of this here: http://www.lloydstsb.com/new_internet_banking_demo/index.htm...

It sounds like LloydsTSB to me too, not only is the process for sending money as above, but you don't need your card to login (there is a User ID number, a password and a "memorable phrase" which you have to give three digits of).

While it's convenient as you don't have to remember the card reader when you want to login, it does worry me that it is less secure and vulnerable to keyloggers.

Edit: Halifax is also the same, but then it is owned by Lloyds and has recently transitioned its backend to the same platform as Lloyds uses.