Nationwide card reader needed

[Happy Jim]

I have a Nationwide account and have just added my HSBC account as a new payee using the App - money transferred happily. No need for a reader or additional authentication (I am “constrained” to only transferring a max of £25k per day day to a new payee).

Regards
Jim

 

[houdini]

I don’t know what a card reader is, pardon my ignorance, but could the campsite wardens help you? Do only banks have them, do retailers have them?

Just been looking up to see if Post Offices still do Poste Restante, perhaps a new card reader could be sent to the nearest one to you. Quicker than to UK, then forwarded to you.

If you happen to have an American Express card you can receive forwarded post at their offices but not sure how many people have these.

 

[steve69]

I'm a bit mystified. What are you trying to do that can't be done with ordinary cash/debit/credit cards?

All this thread is doing is underlining all the unnecessary faff involved by deviating from the "old fashioned" way of managing your money.

 

[Onemanandhisdog]

I'm a bit mystified. What are you trying to do that can't be done with ordinary cash/debit/credit cards?

All this thread is doing is underlining all the unnecessary faff involved by deviating from the "old fashioned" way of managing your money.

It's just the way Nationwide work. I've been in the same trap and this was a timely reminder for me to send myself some money from Nationwide to my normal current account while I have all the necessary components with me.

 

[Brains]

I've 3 UK bank accounts & wouldn't even know what one was?
The Hsbc account used to have some sort of 'code' thingy ,the wife's still has , but each is individual to the account holder.
my Hsbc account when I needed a new 'code' thingy, as battery had run out after 20 years , they sent me one but when I received it I down loaded the hsbc app instead. for banking. Now on the odd occasion I prefer to log on using the lap top I have to "generate a security code" using the phone app.??????? Who thinks these things up? surely if I am using a lap top they would assume I have no access to the phone?

It's called "2FA" Two Factor Authentication.

You need two separate items which can only be opened by you to prove you are you.

So laptop (which only you can open) with password (which only you know) AND a smart phone (which only you can open) and a texed ID number.

or

The laptop (as above) and a card reader that proves you have the physical card and you know the PIN

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[Brains]

I used to use a Barclays card reader about 10 years ago, but assumed they had been made redundant with advances in online banking verification systems ?

Phone apps only work if you have a couple of personal accounts.

They don't work for me, I've even been into the bank and asked a human for confirmation.

My issue is I have access to multiple accounts, including three different executor accounts, two charities and two businesses.
Some different banks, all different PIN's and cards.
I'd love to use an app, but they will not link them together, and you can not download the app twice.

I therefore use the card readers on a daily basis.

 

[BrochMike]

I can log in but I cannot transfer money out of my Nationwide account into another of my own accounts with a different bank.
To do that, I need to set myself up as a "new payee" and that requires a card reader.
I would understand these security measures if I was trying to transfer money to some random person but it's to me, the account holder!

Just a thought.
Did you go all the way through to actually attempting to add the new payee?
Nationwide app always warns you that you might need the card reader, but doesn't always ask for it...

 

[cyberyacht]

When I started my banking career, we were still using handwritten ledgers for accounts. These technical advancements take time you know.

 

[Puddleduck]

Just a thought.
Did you go all the way through to actually attempting to add the new payee?
Nationwide app always warns you that you might need the card reader, but doesn't always ask for it...

I've always been asked for it both via Nationwide and RBS. Once I thought they weren't going to ask as they sent me codes via my mobile phone and email then I did need the card reader at the last stage.

 

[MichaelT]

When I started my banking career, we were still using handwritten ledgers for accounts. These technical advancements take time you know.

Bet you were glad when they phased those old quills out

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[cyberyacht]

You laugh but using a biro was almost a hanging offence.

 

[MichaelT]

You laugh but using a biro was almost a hanging offence.

Had to be permanent ink?

 

[Puddleduck]

You laugh but using a biro was almost a hanging offence.

I remember those days very well. We also had to use a specific type of ink. I was revolutionary as I had a refillable fountain pen!!!

 

[Nessie64]

If you already have the App, nationwide are rolling out biometrics. This link shows how to set it up ( no card reader needed, scroll down towards bottom)

Using account biometrics | Nationwide

Find out how we use account biometrics in the Banking App to secure your account.

www.nationwide.co.uk

I tried that but I was asked for a card reader to set it up...

 

[Nessie64]

I have a Nationwide account and have just added my HSBC account as a new payee using the App - money transferred happily. No need for a reader or additional authentication (I am “constrained” to only transferring a max of £25k per day day to a new payee).

Regards
Jim

You are very lucky then
I think it's random, sometimes the system asks for a card reader, and if it does, there's no way around it, apparently.

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[Nessie64]

I don’t know what a card reader is, pardon my ignorance, but could the campsite wardens help you? Do only banks have them, do retailers have them?

Just been looking up to see if Post Offices still do Poste Restante, perhaps a new card reader could be sent to the nearest one to you. Quicker than to UK, then forwarded to you.

If you happen to have an American Express card you can receive forwarded post at their offices but not sure how many people have these.

I had been told they would only be able to send a new one to my home address, not abroad.
However, I got an email reply to my complaint, and all of a sudden they can send me one after all
I gave the address of a local post office and hopefully this will work.
The Italian equivalent to Poste Restante is called Fermoposta.

 

[Nessie64]

I'm a bit mystified. What are you trying to do that can't be done with ordinary cash/debit/credit cards?

All this thread is doing is underlining all the unnecessary faff involved by deviating from the "old fashioned" way of managing your money.

I had a one year regular saver account with Nationwide which matured a few days ago, when it automatically turned into an instant access account with no interest to speak of.
I managed to move the money into my FlexDirect account but I can't get it out of there to do something else with it (like invest it or put it into another fixed term savings account at a better interest rate).

 

[Nessie64]

It's called "2FA" Two Factor Authentication.

You need two separate items which can only be opened by you to prove you are you.

So laptop (which only you can open) with password (which only you know) AND a smart phone (which only you can open) and a texed ID number.

or

The laptop (as above) and a card reader that proves you have the physical card and you know the PIN

I've got both a tablet and a smartphone but again, all the advisors I was dealing with insisted on the card reader.
In the meantime I've been to two different Italian banks and, as expected, they don't use card readers here.
I'll just have to wait for the new one they are going to send out to me

 

[Nessie64]

Just a thought.
Did you go all the way through to actually attempting to add the new payee?
Nationwide app always warns you that you might need the card reader, but doesn't always ask for it...

Yes, I did get up to the stage where I was asked for a card reader (it seems to be random whether you are being asked for one or not).

 

[offagen]

I had a one year regular saver account with Nationwide which matured a few days ago, when it automatically turned into an instant access account with no interest to speak of.
I managed to move the money into my FlexDirect account but I can't get it out of there to do something else with it (like invest it or put it into another fixed term savings account at a better interest rate).

Ah, there’s the reason why Nationwide are being so awkward. They don’t want you to remove your savings from the FlexDirect account because they can earn interest on it and not you. Crafty devils.

I had a similar frustrating experience while in Cornwall a couple of weeks ago. A one year investment matured and the money was transferred to my NatWest account, where it then sat because the new investment bank sent me essential information by post for the transfer of funds from NatWest. They wouldn’t give me the information by phone or email, or even by secure message in my online account. No, I had to wait ten days before I was back home and could read their letter

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[gus-lopez]

It's called "2FA" Two Factor Authentication.

You need two separate items which can only be opened by you to prove you are you.

So laptop (which only you can open) with password (which only you know) AND a smart phone (which only you can open) and a texed ID number.

or

The laptop (as above) and a card reader that proves you have the physical card and you know the PIN

When I used to use the lap top with the "secure key" there was no need for anything else.When I changed to using a phone app & now use the lap top it has to have a "security code" generated by the mobile phone app.:My problem is if I had the mobile phone why would i be using the lap top? Also if you do not have to mobile phone & app, there is no other way of entering the hsbc online banking as when you download & install the hsbc app it blocks any use of your 'secure key'?

You cannot use the lap top & 'secure key' as that stopped the instant you downloaded the 'app'( they tell you so & say either send back or destroy) also it is not a card reader as it is unique to the individual.I have been down this route years ago when told " Use mine when you arrive in the UK" Yes they do not work
This is also why I have left my wifes hsbc account access with the 'secure key' as we have an alternate way of getting in if I have mobile problems.

My Lloyds account I have both lap top & app on phone & access is by 'user id', 'password', input of random letters/numbers from the 'memorable info'then a code is sent to my spanish phone I have to input .Access to either is exactly the same.
Monzo I can't even remember what it is?
N26 & Revolut are password/fingerprint + codes sent to phone. Then if you do anything the same again

 

[BrochMike]

I managed to move the money into my FlexDirect account but I can't get it out of there to do something else with it (like invest it or put it into another fixed term savings account at a better interest rate).

You could always open a Nationwide interest-bearing (3.25% instant access) account and move it there until you have an alternative.
Better than nothing?

 

[BrochMike]

Ah, there’s the reason why Nationwide are being so awkward.

A little 'conspiracy theory' methinks?

I've never found it that difficult to move my funds around / between banks using their apps. Not having yourself setup as a payee is a bit of an exception.

 

[Nessie64]

You could always open a Nationwide interest-bearing (3.25% instant access) account and move it there until you have an alternative.
Better than nothing?

I wouldn't be surprised if I needed a card reader to do that!
And going by my recent experiences with this bank I don't think it's worth the hassle for a couple of weeks' interest...

 

[Mr porky]

I wanted to stop using my card reader and set up biometrics but had so much hassle with face recognition I went back to a card reader, maybe I'm 2 faced

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[Minxy]

Phone apps only work if you have a couple of personal accounts.

They don't work for me, I've even been into the bank and asked a human for confirmation.

My issue is I have access to multiple accounts, including three different executor accounts, two charities and two businesses.
Some different banks, all different PIN's and cards.
I'd love to use an app, but they will not link them together, and you can not download the app twice.

I therefore use the card readers on a daily basis.

If you're phone is capable you can create a second app - called dual app - of the first one and each will have their own individual log-in info, it's very useful and I've got mine and my Mum's accounts set up on different ones with the same bank.

 

[Minxy]

I've got both a tablet and a smartphone but again, all the advisors I was dealing with insisted on the card reader.
In the meantime I've been to two different Italian banks and, as expected, they don't use card readers here.
I'll just have to wait for the new one they are going to send out to me

I wonder if it's because they are both 'mobile' (ie Android/Apple) based items - is your tablet tethered to your phone by any chance?

It might work if you can use a PC/laptop to log in with your mobile phone to receive the text authentication code.

 

[Nessie64]

I wonder if it's because they are both 'mobile' (ie Android/Apple) based items - is your tablet tethered to your phone by any chance?

It might work if you can use a PC/laptop to log in with your mobile phone to receive the text authentication code.

Yes it is tethered to my phone but they downright refused to send a passcode/text or similar.
I don't have access to a PC unless I could use one in a library or similar - and that's probably less secure than using my own devices