Fair point and I had a similar event just over a week ago, but I think they're just trying to safeguard your money, which has to be a good intention after all. Starting from scratch in choice between two accounts, one which provided tight security when it comes to a £9k online transaction and one which is looser, I think I'd select the tighter. The mistake they've made, I think, is not making the verification process a little more user-friendly.