Can I have a Visa Debit with NatWest??

never-in-doubt

Toe-Jam wrote: »

my ulsterbank card arrived, with the most rediculous card number on it all 00's except for the last 3 ! i've obviously changed the last 3 in the photo not going to put my card number on the internet.

You get all 0's probably being a new batch of numbers (i.e. BIN's) so all will start with 0's until a few sequences have filled.....

Toe-Jam

Bloody thing doesn't work on Barclaycard site either like the natwest one.

stclair

Toe-Jam wrote: »

Bloody thing doesn't work on Barclaycard site either like the natwest one.

Erm no it wont yet until they load the new BINs into there system.

They need to load BIN Numbers between 4751 11 - 4751 59.

davethorp

Tesco online grocery order went through fine on my visa debit this morning

Toe-Jam

Toe-Jam wrote: »

Bloody thing doesn't work on Barclaycard site either like the natwest one.

It still doesn't work on the site, but if you speak to an agent it works for them if they put it through i managed to get mine paid last night.

louiser123

hi im a little confused !! dont take much, lol

im an rbs customer with current account and currently have solo debit card will i recieve a visa electron? im not too happy if i do as they are not as widely accepted as solo. any info greatfully recieved

Toe-Jam

louiser123 wrote: »

hi im a little confused !! dont take much, lol

im an rbs customer with current account and currently have solo debit card will i recieve a visa electron? im not too happy if i do as they are not as widely accepted as solo. any info greatfully recieved

You will get a visa debit card. It will check you balance every time you use it, and if its not able to check you've got money to cover your spend , it will decline the sale.

Toe-Jam

Does the online banking system for RBS/Natwest do the following when you use your card. And its not a new visa debit thing this happened with maestro too, on ulsterbank anyway

EG:

Balance is £100 on Monday, i spend £50 on my card, the screen will say then
Balance £100 Available £50

So you leave it overnight and look again on Tuesday
Balance £100 Available £100

it seems to put the money back into your account until such a time as the retailer claims it, and you can spend it obviously which would put you overdrawn.

It doesn't do it on all the transactions, some of them will come off the available and stay off until they appear as taken by the retailer.

on my account at the moment there is £20 to pizza hut and £10 to oyster card not accounted for in my available balance.

I thought it might be a floor limit thing, but if that was the case it wouldn't deduct at all it would just get taken when the retailer sends in the voucher.

Also money clearing into the account on Monday morning, including cheques, is available to Spend on the previous Saturday. And you can withdraw it from ATM and use your card no problem. But if you do an online transfer on the weekend to another account, you go overdrawn and get charged !

book12

louiser123 wrote: »

hi im a little confused !! dont take much, lol

im an rbs customer with current account and currently have solo debit card will i recieve a visa electron? im not too happy if i do as they are not as widely accepted as solo. any info greatfully recieved

When your card expires, you will get a VISA debit. Alternatively, you could report your card as 'lost/stolen/damage'. You will get the card within 3-7 working days.

davethorp

Toe-Jam wrote: »

Does the online banking system for RBS/Natwest do the following when you use your card. And its not a new visa debit thing this happened with maestro too, on ulsterbank anyway

EG:

Balance is £100 on Monday, i spend £50 on my card, the screen will say then
Balance £100 Available £50

So you leave it overnight and look again on Tuesday
Balance £100 Available £100

it seems to put the money back into your account until such a time as the retailer claims it, and you can spend it obviously which would put you overdrawn.

It doesn't do it on all the transactions, some of them will come off the available and stay off until they appear as taken by the retailer.

on my account at the moment there is £20 to pizza hut and £10 to oyster card not accounted for in my available balance.

I thought it might be a floor limit thing, but if that was the case it wouldn't deduct at all it would just get taken when the retailer sends in the voucher.

Also money clearing into the account on Monday morning, including cheques, is available to Spend on the previous Saturday. And you can withdraw it from ATM and use your card no problem. But if you do an online transfer on the weekend to another account, you go overdrawn and get charged !

Very occasionally I have transactions credit back on to my natwest available balance