The bank said customers should bring photographic identification and account details (account number and sort code) and a pay-slip if the balance did not reflect any salary payments.

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The system will mean people can send and receive money to others by sharing just their mobile number - rather than having to swap other details such as sort code or account number.

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Recipients print a coupon with a bar code that includes the account number, and mail it in with a check.

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Today they can handle 80 times more information than the most advanced magnetic-stripe plastic, which usually contain little more than a name, an account number and a secret ID code.

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He said all that has to match on an online billing record is your account number, expiration date, security code, and billing zip code.

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The "two-factor" verification system, which will be optional, asks users to register a phone number, e-mail account and six-digit code that would have to be entered, via text message, each time they log in to the site.

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