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22 Aug 19, 11:31 PM |
#31
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VIP Dibber
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I use 2 nationwide accounts for personal spends and for holidays etc. Like you because they are so easy and if you can’t find your card reader or it gives up the ghost which a few I’ve used have then you won’t be able to access your account. Looks like it might be time for a change then.
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23 Aug 19, 07:15 AM |
#32
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Thread Starter
Helping Minnie
Join Date: Mar 19
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New regulations means that all banks are having to introduce an extra layer of security for certain aspects of online banking. A lot of banks are doing this by either sending a text code, or like Nationwide using a card reader thing. Not sure why they cannot just send you a text with a time limited code but ...
Think its called Strong Customer Authentication. |
23 Aug 19, 07:33 AM |
#33
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Imagineer
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Natwest have started to introduce this, I have had correspondence that online access is changing to include the extra step of verification via a code.
Some recent transactions have had this extra verification step too via a text code. Although they have said text and not said via a card reader, it would be a bit of a pin to keep carrying around a card reader all the time. |
23 Aug 19, 08:29 AM |
#34
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Imagineer
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I have a Nationwide account and a Monzo account. I have to admit the main reason I keep my Nationwide account is because the branch is 100 yards from where I work so it's very easy to access. I think if they closed that branch I would definitely go 'Totally Monzo'
ATM I have all my salary paid in to Nationwide and pay my direct debits from there and transfer my spending money to Monzo every month I'm taking my Monzo card to Florida this year but probably won't even need it if they have caught up with modern technology in US banks and take contactless - then I can use my 'phone ON the Monzo forum there are endless people saying how easy and trouble free it is when out of the country |
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23 Aug 19, 10:11 AM |
#35
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Thread Starter
Helping Minnie
Join Date: Mar 19
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I doubt I will ever go without my physical bank (Santander). Someone I know was caught out with the recent Monzo problems and they couldn't pay their rent. They were automatically fined. They are now fighting this. I am gradually moving more and more DD's over to Monzo and using it to pay for things more but keeping my physical bank won't cost me anything, but does give me peace of mind.
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23 Aug 19, 10:24 AM |
#36
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Imagineer
Join Date: May 10
Location: notts
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what recent monzo problem was that? i don't remember having any issue...
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23 Aug 19, 12:33 PM |
#37
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Imagineer
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Haven't looked into it but I remember somebody from Monzo on ITV News talking about a new feature that you can choose 'sin payments' to block you being tempted to order late night curries or whatever. He was asked about customers needing to change PINs after a problem ?
I've looked at opening an account this morning, haven't done it yet. Mentioned about Nationwide at work, surprised at the reaction. Think they could lose a lot of customers. One woman said she'll stop using Nationwide online, and go back to using cheques. Another said she'll make her main account the Halifax because she doesn't need the card reader thing - her last one had the batteries go dead and she didn't bother after. Just checked, my batteries are dead too. Edited at 01:14 PM. |
23 Aug 19, 01:16 PM |
#38
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Imagineer
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Oh Monzo...
... been saying Mondo. |
23 Aug 19, 01:35 PM |
#39
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Imagineer
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23 Aug 19, 02:14 PM |
#40
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Imagineer
Join Date: Jan 15
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Opened one this morning hope it will help me to budget lol !
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