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How does one prevent NatWest cards being blocked on holiday?

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Victor_Delta
Victor_Delta Posts: 474 Forumite
Part of the Furniture 100 Posts Combo Breaker
I see that Martin’s Cheap Travel Money guide still suggests that the best way to avoid one’s card being blocked is to tell one’s bank or card company before one goes abroad.
Q. My card was blocked while I was abroad, is there anything I can do to prevent this?
A. To prevent fraud, most card companies track ‘unusual transactions’ and if there’s evidence they slam the breaks on and stop the card being accepted. The best thing to do, unless you’re a regular traveller who spends overseas a lot, is call up the card company to let it know you’re going abroad. Usually, though sadly not always, this stops any problems. If it happens to you while you’re away call up the card company as soon as possible.

However, I’ve recently found that at least the Nationwide and RBS NatWest don’t want to know and appear to have no way of recording this information in a way that would help to prevent the card being blocked.

Although this hasn’t been a problem with my Nationwide Flex account debit card which (touch wood!) has never been blocked, I cannot say the same of the NatWest debit card which appears to be blocked soon after being used for the first time in any foreign country. Indeed I gather from talking to harassed NatWest staff this is an automatic process which cannot be stopped – until you phone them (at some length, after the event) and answer some security questions. Just what you want when you are on holiday!

Indeed, my daughter had this happen to her recently in Egypt (again with a NatWest debit card) and, had she not been with a couple of friends, she would have found herself left without access to any money (like most students, she doesn’t have lots of different cards to choose from). Her initial withdrawal was a small amount - and therefore entirely consistent with her normal card usage pattern - and, having experienced the frustration of previous blocking overseas, she had tried to tell the bank about her trip a few days before her departure. They didn't want to know!

Like most people, I am all in favour of sensible measures to tackle card fraud. However, I think NatWest have taken this too far. If asked, I wonder how many of their customers would be happy with a system that will probably block their cards after first use on every holiday or trip abroad – not many, if any, I suspect. Furthermore, this policy must be driving many of their customers to open accounts with other banks and card companies – so they are not dependent on their NatWest cards. Doesn’t sound a very good policy from anyone’s point of view except their competitors (and possibly the phone companies)!

Their current system might make some sense if one could give them advance information about trips abroad which would prevent blocking. But this isn’t currently possible.

So, in the meantime, can anyone please tell me if they have found any reliable method for preventing blocking of NatWest cards, when used abroad, that works at present?

V

Comments

  • Kavanne
    Kavanne Posts: 5,093 Forumite
    Call up card services and ask what the number is to call if you find your card is blocked. That way your daughter can call if this happens next time.

    I certainly am not complaining as someone tried to use my RBS card in Canada for a $2000 transaction!!! Blocked immediately and when I called card services I was routed straight to fraud (you put your card number in on the keypad and I guess it flags up).
    Kavanne
    Nuns! Nuns! Reverse!

    'I do my job, do you do yours?'

  • Thanks - and, by the way, the number is 0044 1313 397609.

    As I said, I'm not complaining about sensible measures to tackle fraud such as your large fraudulent Canadian transaction.

    However, if you had been on a trip to Canada (on your own?) and your card was suddenly blocked you might have felt rather differently about the situation perhaps - especially if you had tried to advise your bank in advance that you were going there.

    V
  • Kavanne
    Kavanne Posts: 5,093 Forumite
    However, if you had been on a trip to Canada (on your own?) and your card was suddenly blocked you might have felt rather differently about the situation perhaps - especially if you had tried to advise your bank in advance that you were going there.

    V
    Funny you should say that as I went to Egypt and Nationwide blocked my card straight away. I call them and they unblocked it. Job done....
    Also I always have more than one card with me so I'd hope either one worked or I could get through to one of their customer services immediately.

    Now you have the number it should be an issue, she can call them as soon as transaction is declined to get it unblocked.
    Kavanne
    Nuns! Nuns! Reverse!

    'I do my job, do you do yours?'

  • makeup
    makeup Posts: 1,633 Forumite
    I bank with Lloyds TSB and this happened to me on hols just last month.

    Funnily enough last year I was in Miami with a friend who also banks with Lloyds TSB, her card was blocked straightaway but mine was fine the whole trip?!

    This year I was in Indonesia and the first time I tried to take out money it blocked the card. I had to call UK but it is a 24hr number (thank goodness!!) and it was sorted out relatively quickly.

    I am torn on this issue. I agree it is a hassle having to find a telephone to call back to the UK but the number is printed on the card. Once I had made the first call it was fine and all later transactions went through with no problems.

    Equally I had someone try to use my card fraudulently in Miami after I had left and the fraud system picked it up straightaway, which was very heartening.

    As far as I am aware there was no way of preventing this hassle before I went and my friend had the same issue with Barclays so I don't think it is restricted to one bank.
    I've got my own flat :j:j

    Now I have to pay the bills :eek:

    And feed my interiors addiction ;)
  • hartcjhart
    hartcjhart Posts: 9,463 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    the aotumatic system'Sentinel' tracks cards from all banks and if something is unusual it stops the card
    I :love: MOJACAR
  • Mrs_Thrify
    Mrs_Thrify Posts: 1,673 Forumite
    Part of the Furniture Combo Breaker
    It is frightening what might happen on holiday, I use my visa card on occasions but mostly cash.
    If winter comes, can spring be far behind?
    Spring begins on 21st March.
  • Victor_Delta
    Victor_Delta Posts: 474 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    edited 16 April 2009 at 10:52PM
    hartcjhart wrote: »
    the aotumatic system 'Sentinel' tracks cards from all banks and if something is unusual it stops the card
    That's great, but surely it's a sledge-hammer approach to the problem?

    Is it totally impossible to make the system a little more intelligent so that it allows for people advising banks in advance if they are visiting a particular country?

    Surely it wouldn't be that complicated to do this? And it would save many of the staff who currently have to be employed unblocking the cards at all hours of the day and night. And it would save customers all the hassle when abroad...?

    V

    PS So the current 'let your bank know you are going abroad' advice must be one of life's little myths...?
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