Under 19s account - Lloyds TSB 16-18

reclusive46

MoneySaverLog wrote: »

I guess the answer is try, it may be a barclays thing. If it's not available it can be added on later when your son reaches 18.

I think he may be pleasantly surprised though as it does now seem to be the standard card that is sent out. i.e. I did not ask for it, they did not credit search me for it, and they sent me one on my last card renewal.

Ok well we'll go to a branch tomorrow.

We know the card is embossed atleast which sorts out our local problem. Lets just hope the card works on trains/planes etc.

reclusive46

stclair wrote: »

To be honest I have wondered why the orange card is contactless and is issued by Barclays but Barclays cash accounts can not have contactless cards odd isnt it .......

Barclays website states contactless debit cards are subject to status and application which would mean to me you have to be credit scored or be pre approved for one.

I guess its another one of lifes mysteries...

PS Im only paid peanuts :rotfl:

And on that. Maybe Barclays doesn't want to waste the money on those customers haha? Those NFC chips probably don't come cheap.

MoneySaverLog

reclusive46 wrote: »

Ok well we'll go to a branch tomorrow.

We know the card is embossed atleast which sorts out our local problem. Lets just hope the card works on trains/planes etc.

Well their debit card certainly works on trains, don't see why it would not work on planes either. Cannot say I've used them on planes, but I would assume the same technology is used there.

coolesticeking

Lloyds TSB only give contactless cards out at the moment to people within the M25 border.

The info that comes with the Debit Card for the Under 19's account states that due to the nature of Debit Cards it is possible that the account could go overdrawn if the account does not have any money in, but of course they will not charge.

If authorisation can be obtained at the time of the transaction then if no money is in the account then yes it should be declined.

As others have said, it's when an offline transaction needs to be completed i.e on trains where it will always go through and could take the account overdrawn as the banks don't know about these until it does hit the account in 2/3 days.

MoneySaverLog

coolesticeking wrote: »

Lloyds TSB only give contactless cards out at the moment to people within the M25 border.

I live nowhere near the M25, and they sent me one :T

reclusive46

coolesticeking wrote: »

Lloyds TSB only give contactless cards out at the moment to people within the M25 border.

The info that comes with the Debit Card for the Under 19's account states that due to the nature of Debit Cards it is possible that the account could go overdrawn if the account does not have any money in, but of course they will not charge.

If authorisation can be obtained at the time of the transaction then if no money is in the account then yes it should be declined.

As others have said, it's when an offline transaction needs to be completed i.e on trains where it will always go through and could take the account overdrawn as the banks don't know about these until it does hit the account in 2/3 days.

I took my son into branch. The account does come with a contactless card.

coolesticeking

That is good news - It was only a trial up until recently. :T

reclusive46

MoneySaverLog wrote: »

I live nowhere near the M25, and they sent me one :T

Where abouts are you?

reclusive46

coolesticeking wrote: »

That is good news - It was only a trial up until recently. :T

Yeah the women at the branch said they automatically give them to people within the M25 but anyone can request one.

coolesticeking

reclusive46 wrote: »

Yeah the women at the branch said they automatically give them to people within the M25 but anyone can request one.

Lovely - I'll be contacting them to ask for one