Helpful, Tony. Thank you.
Nick

> On 8 Aug 2017, at 09:28, Tony Crooks <tcro...@me.com> wrote:
> 
> As I understand it it has more to do with iOS ring fencing both the app and 
> its data which makes less prone to hacking. Not saying it would be impossible 
> but clearly compared to the way macOS has been constructed iOS is less 
> vulnerable. 
> Like NatWest there are transactions where you need to use a one-time secure 
> transaction key which you can generate on an iOS device (or through the web 
> site) but you don't require those calculator devices in which you insert a 
> bank card to do the same. 
> Lastly, as you might expect, banking data to/from the iOS app is end to end 
> encrypted - not sure about messages, although these do not carry account 
> info.  
> 
> Regards,
> 
> Tony
> Sent from my iPhone
> Email: tcro...@gmail.com
> Tel: +44 7428 706227
> 
>> On 8 Aug 2017, at 09:17, nick_publ...@mac.com wrote:
>> 
>> That makes me ask whether IOS10 & soon 11 is more secure than Sierra or 
>> previous iterations of MacOS? Or is an iPhone or an iPad inherently more 
>> secure than a laptop or desktop
> 
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