Well, I thought it was a free calculator when it arrived in the post and used it yesterday for the first time, very easy for Fuzzy, which of course is great news
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HSBC (NZ) have had a security code verifier for the past 2 years now. They were trialling it and tweaking it with results being used to develop the UK and Asian security systems.
Pretty painless and certainly no fraud on the account as a result of this.
I'll be happier when the UK version is released as I have had a few fraudulent transactions over the past 3 years and as a result am now on first name terms with the HSBC card fraud team (they like to call me to verify transactions they think are dubious and possibly not authorised by me)