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UK Bank with good online banking service (London)

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Hi,
can anyone recommend a UK bank with a good online banking service - particularly one where you can do international payments without involving paper or phone?

Ideally it shouldn't require a card reader either. These things allegedly make things safer, but I prefer TANs and the option to define a daily limit in case sth. goes wrong. Seems safer to me than carrying a reader round all the time when travelling.

But I would be happy with any service that does international payments online. I'm on NatWest at the moment and it all feels very much like early Protected content banking.

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