Barclays system is (IMO) overkill. The fact you have to use the pinsentry everytime you log in surely makes it less secure, as you have to carry the machine and the card if you want to log on.
Far simpler (and Which? agree) is the RBS/Natwest system, whereby you only need the pinsentry thingy to set up new transactions/payees and such like. The rest of the time you only need your usual password and log in code.
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