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  • FIRST POST
    • 50Twuncle
    • By 50Twuncle 5th Jul 17, 3:19 PM
    • 7,587Posts
    • 1,748Thanks
    50Twuncle
    Nationwide on-line banking
    • #1
    • 5th Jul 17, 3:19 PM
    Nationwide on-line banking 5th Jul 17 at 3:19 PM
    Nationwide on-line banking is down at the moment - as is their phone app !!
    Anyone have any details of why ?
Page 2
    • 50Twuncle
    • By 50Twuncle 6th Jul 17, 8:55 PM
    • 7,587 Posts
    • 1,748 Thanks
    50Twuncle
    Tesco one does, too, and V.V.
    Originally posted by soulsaver
    Are they not account dependent ?
    • Armchair23
    • By Armchair23 6th Jul 17, 10:09 PM
    • 619 Posts
    • 1,099 Thanks
    Armchair23
    Yup I have Smile and Natwest card readers and they seem to work across all 3 banks.
    • EachPenny
    • By EachPenny 6th Jul 17, 10:56 PM
    • 1,377 Posts
    • 1,408 Thanks
    EachPenny
    Yup I have Smile and Natwest card readers and they seem to work across all 3 banks.
    Originally posted by Armchair23
    They are the same as Barclays as well.

    They are designed to work using a common standard - one of those rare occasions where something security related is common between banks

    https://en.wikipedia.org/wiki/Chip_Authentication_Program

    My only complaint is none of them thought to add +/-x= button(s) and turn it into a useful calculator as well.
    Last edited by EachPenny; 06-07-2017 at 11:00 PM.
    "In the future, everyone will be rich for 15 minutes"
    • Missus Hyde
    • By Missus Hyde 7th Jul 17, 12:38 AM
    • 272 Posts
    • 369 Thanks
    Missus Hyde
    Complete nightmare. I applied for a FlexDirect account last week, and have been trying to register for internet banking. It says I'm already registered, but as I cannot provide my memorable details (because I never provided any in the first place) I need to re-register. So I am trying to re-register, and it won't let me because it thinks I am already registered. Been waiting for 45 minutes for someone to answer the phone.
    Originally posted by surreysaver
    Ah, comforting to find someone else with exactly the same problem as me; the "groundhog day" scenario telling me I had registered and then finding I couldn't re-register because supposedly I was already registered! I was also sent two letters on the same day, one welcoming me with a customer number inviting me to sign up for internet banking and another telling me I had already registered for internet banking with another customer number?

    Fortunately, I already had a card reader for my husband's account, so used that with the customer number which told me I had already registered and lo and behold, the account came up and I was in (even though I must have registered in my sleep, as I certainly couldn't recall doing it!!) I quickly downloaded the mobile app and got that going while the thing was still working.

    It would seem that like so many things these days, the right hand doesn't appear to know what the left is doing
    It's a far, far better thing that I do, than I have ever done; it is a far, far better rest that I go to, than I have ever known........Sydney Carton.
    • soulsaver
    • By soulsaver 7th Jul 17, 2:20 AM
    • 1,277 Posts
    • 427 Thanks
    soulsaver
    Are they not account dependent ?
    Originally posted by 50Twuncle
    You think you should have one per account?
    There are 24 bottles of beer in a crate. There are 24 hours in a day. Coincidence? I think not....
    • surreysaver
    • By surreysaver 7th Jul 17, 9:54 AM
    • 2,160 Posts
    • 1,220 Thanks
    surreysaver
    How long does it take these card readers to turn up in the post? By the time I get it to log into my Internet banking and manage the account, the 5% offer will have expired! Or can I just pop into a branch and get one?
    I consider myself to be a male feminist. Is that allowed?
    • Zanderman
    • By Zanderman 7th Jul 17, 11:05 AM
    • 1,203 Posts
    • 3,597 Thanks
    Zanderman
    How long does it take these card readers to turn up in the post? By the time I get it to log into my Internet banking and manage the account, the 5% offer will have expired! Or can I just pop into a branch and get one?
    Originally posted by surreysaver
    Card readers tend to be interchangeable between banks - so if you have one from another bank, and have all the Nwide info you need then you can probably use another bank's reader rather than wait for days for the officail one to arrive. I log into all my card reader-needing current accounts witha Smile Bank reader - works for RBS, Nwide Barclays (despite the latter's hardware looking completely different) etc.
    • surreysaver
    • By surreysaver 7th Jul 17, 11:11 AM
    • 2,160 Posts
    • 1,220 Thanks
    surreysaver
    No. This will be the first time I'll have had a card reader. Seems more hassle than its worth - it also means I'll need to remember another PIN - so decreases security (its not possible to remember all the PIN i need to.
    I consider myself to be a male feminist. Is that allowed?
    • Armchair23
    • By Armchair23 7th Jul 17, 6:34 PM
    • 619 Posts
    • 1,099 Thanks
    Armchair23
    Perhaps you can borrow a reader to get you started as they're not linked to a bank or account.
    You don't HAVE to use a reader to sign in once you've got initial access to your account and set up your preferences.But you probably will whenever you set up a new beneficiary.
    One way or another with online banking you're going to need to remember PIN or logins at some stage.
    • Zanderman
    • By Zanderman 7th Jul 17, 11:18 PM
    • 1,203 Posts
    • 3,597 Thanks
    Zanderman
    No. This will be the first time I'll have had a card reader. Seems more hassle than its worth - it also means I'll need to remember another PIN - so decreases security (its not possible to remember all the PIN i need to.
    Originally posted by surreysaver
    No it doesn't. It'll be the same pin you use for the card normally.
    • 50Twuncle
    • By 50Twuncle 8th Jul 17, 7:08 AM
    • 7,587 Posts
    • 1,748 Thanks
    50Twuncle
    If "any card reader" from any bank works - how does this add to security ?
    • veryintrigued
    • By veryintrigued 8th Jul 17, 7:15 AM
    • 1,972 Posts
    • 1,221 Thanks
    veryintrigued
    If "any card reader" from any bank works - how does this add to security ?
    Originally posted by 50Twuncle
    Because anyone making these withdrawals would still need YOUR card and YOUR pin to enable them.

    The card reader checks you have both of these.
    • adindas
    • By adindas 8th Jul 17, 8:12 AM
    • 3,170 Posts
    • 1,520 Thanks
    adindas
    If "any card reader" from any bank works - how does this add to security ?
    Originally posted by 50Twuncle
    Because anyone making these withdrawals would still need YOUR card and YOUR pin to enable them.

    The card reader checks you have both of these.
    Originally posted by veryintrigued
    And you will still need to input your PIN.
    I think the same analogy with withdrawing money from the cash machines.
    You could withdraw money given you have your card with you and input the right PIN
    • 50Twuncle
    • By 50Twuncle 8th Jul 17, 8:16 AM
    • 7,587 Posts
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    50Twuncle
    Because anyone making these withdrawals would still need YOUR card and YOUR pin to enable them.

    The card reader checks you have both of these.
    Originally posted by veryintrigued
    But the card reader also outputs a (unique ?) number for you to input into the website ...
    • phillw
    • By phillw 8th Jul 17, 8:25 AM
    • 611 Posts
    • 270 Thanks
    phillw
    But the card reader also outputs a (unique ?) number for you to input into the website ...
    Originally posted by 50Twuncle
    Which has been generated from your card, pin & the current date & time. So nationwide know that the number was generated just now by someone with access to the card and pin. They told you not to disclose your pin to anyone, so they assume it's you. I don't see how the branding on the card reader is a problem.

    Imagine the alternative. All the banks would need to invest extra money in making incompatible card readers, we would have the inconvenience of us having to carry around multiple readers. The only advantage is that a criminal who is going to the hassle of obtaining your card and pin & username, would have to go to the extra minimal effort of obtaining a card reader for each bank.
    Last edited by phillw; 08-07-2017 at 8:32 AM.
    • 50Twuncle
    • By 50Twuncle 8th Jul 17, 8:31 AM
    • 7,587 Posts
    • 1,748 Thanks
    50Twuncle
    Which has been generated from your card, pin & the current date & time. So nationwide know that the number was generated by someone with access to the card and pin. They told you not to disclose your pin to anyone, so they assume it's you. I don't see how the branding on the card reader is a problem.
    Originally posted by phillw
    Its not a problem - I am just surprised - never even thought about it before !
    • badger09
    • By badger09 8th Jul 17, 12:01 PM
    • 5,078 Posts
    • 4,274 Thanks
    badger09

    Imagine the alternative. All the banks would need to invest extra money in making incompatible card readers, we would have the inconvenience of us having to carry around multiple readers. The only advantage is that a criminal who is going to the hassle of obtaining your card and pin & username, would have to go to the extra minimal effort of obtaining a card reader for each bank.
    Originally posted by phillw
    Or, you would have an even larger collection of those awful, non interchangeable, random code generator widgets used by the likes of M&S Bank and Yorkshire Bank
    • Armchair23
    • By Armchair23 8th Jul 17, 7:31 PM
    • 619 Posts
    • 1,099 Thanks
    Armchair23
    My card reader arrived today to add to the collection . I made the account application on Sunday June 24th.
    Firstly Nationwide need to communicate that they will instigate online banking (no we haven't all done it in our sleep) and then get the card reader out in the same timescale as card and PIN numbers.
    • bendipa
    • By bendipa 9th Jul 17, 4:42 PM
    • 156 Posts
    • 58 Thanks
    bendipa
    You don't need a card reader to login to Nationwide. By option you can type in an assigned customer number, memorable data answer and 3 digits of an assigned 6 digit passnumber as alternative.

    But any card reader should work for any UK bank regardless of which bank supplied it. It's the chip on your debit card that's important.
    Last edited by bendipa; 09-07-2017 at 4:47 PM.
    • antrobus
    • By antrobus 9th Jul 17, 4:49 PM
    • 14,912 Posts
    • 21,119 Thanks
    antrobus
    You don't need a card reader to login to Nationwide. By option you can type in an assigned customer number, memorable data and 3 digits of an assigned 6 digit passnumber as alternative.
    Originally posted by bendipa
    Correct. Every time you login, you are given the choice of using either, (a) the card reader or, (b) memorable data.

    Option A is a bit quicker and easier. But during the recent 'problems' I was obliged to use option B.
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