When I first set up Santander online banking I had two create a separate password (longer, mixture of letters, numbers and symbols) and security code (5 digits) and it would ask me for three characters from each in the login process. More recently it only asks me for the full 5 digit security code and nothing from the password, though I guess it might want more if I logged on from a computer or browser I hadn’t used before. I think I can still remember the longer password though it’s been a while since I had to use it…