Lloyds TSB debit card and SWT ticket machines

username

I have a Lloyds TSB debit card (Visa debit) and have problems using it at the ticket machines at my local station. If I put my card in, it spits it out saying it's 'invalid'. However, if I buy tickets at the window, my card is accepted fine. The card works everywhere else as far as I know.

Any ideas?

PS - I have tried all 3 ticket machines in the station and they don't work.

ronnie_2

have you tried another card in the machine and do other customers appear to have problems?

Kilty_2

Is it a full Visa Debit card with cheque guarantee function or the 2 in 1 one they also issue?

oldwiring

Have you thought of contactinb SWTto see if they can give a reaon?

username

Kilty wrote:

Is it a full Visa Debit card with cheque guarantee function or the 2 in 1 one they also issue?

I think it's the 2 in 1 card. Would this be the problem?

I do not have any other cards to try it with; I asked at the window and they also were most puzzled by it as well.

Kilty_2

It could be, assuming the card does what Visa Electron etc do, checking balance before a transaction is made. (Which I presume it must, or Lloyds wouldn't be issuing it to people such as under 19s who can't normally get a full Visa Debit card)

System

I have noticed that they seem to take longer than the Electron, and the full Visa Debit cards to go through. I used mine in a shop about 2 weeks ago and its card machine kept rejecting it, so just used my credit card. Haven't tried to use the train machines, but I guess i'd have problems there too!

I decided to change to an ATM card, as their debit cards are too expensive to use abroad (£1 + loading), and stangely its cheaper to use their ATM cards abroad than their debit cards min charge £1.50 vrs. £2.

I'll be ditching TSB altogether when my graduate facilities expire in any case

They are a terrible bank, they dont even agree on where my ATM card will work, one person told me link/visa atms, another told me only at LTSB cashpoints.

:rotfl:

Kilty_2

If you need to use an account abroad get a Nationwide FlexAccount, no ATM charge (or debit card charge if you get a debit card and use it for purchases) and the exchange rate is pretty close to wholesale.

System

:rudolf:

I've got a debit and credit card from Nationwide, which I use when i'm abroad.

I don't like to keep all my eggs in one basket when i'm abroad, so take my LTSB card with the overdraft as a backup incase my Nationwide cards get eaten up or my wallet gets lost/stolen.

I have also kept another current account elsewhere for the student/graduate facilities that Nationwide don't offer.

I don't understand why everyone seems to hate electron. I used it 10 years ago and NOWHERE took it. Now, the places that don't take it are the exception rather than the norm. LTSB staff told me some rubbish that Visa is stopping Visa Electron, thats why they changed to those 2 in 1 cards.

:rudolf:

username

Kilty wrote:

It could be, assuming the card does what Visa Electron etc do, checking balance before a transaction is made. (Which I presume it must, or Lloyds wouldn't be issuing it to people such as under 19s who can't normally get a full Visa Debit card)

Electron isn't accepted at the machines or at the windows (I found this out last week when my g/f tried to purchase a ticket at the window and they told her to get some cash out using the fee charging machine).

I don't know the ins and outs of the system, but surely my card shouldn't work at the window if it doesn't work at the machine?

Kilty_2

The machine must process the card differently (just clutching at straws here since I know as much as you do )

I doubt Visa are stopping Visa Electron since it's VERY widely used in other countries and RBS have just launched a prepaid Gift Card based on it.