A system used by a High Street banking group to help customers who have forgotten their card Pin number has major security flaws, the BBC learns.
Lloyds TSB has told Radio 4's Money Box programme that it allows credit card customers to text requests for Pin reminders on any phone.
Security experts say this could allow fraudsters to order and intercept Pins.
Lloyds insisted it had adequate security measures in place to prevent fraudsters doing this.
This item was first broadcast on Radio 4's Money Box on Saturday, 17 October 2009.