Account aggregator that supports transfers?

gerardflanagan

I want to be able to use one log on to view my lloyds, First Direct, Natwest and Co-op debit and credit card accounts and make transfers between them (specifically paying off credit card). Does any software do this?

gerardflanagan

bumpbumpbump

pmduk

I doubt whether any exist. you really want to allow a third party access to your account to make transactions? Make sure you know how this would impinge on you accounts' terms and conditions.

gerardflanagan

Well there seems to be software in the USA that allows you to at least view your accounts. And some software stores the passwords locally encrypted to the third party doesn't actually see it.

I had something similar with my egg card a while ago where I could view my natwest account (I can't remember if I could do transfers or not).

The basic problem is that I want a good credit card but I'm not happy with the ones FD and Co-op offer. It irritates me that I'll have to log into to accounts to see the state of my finances though

YorkshireBoy

If you currently bank with FD you should already be aware of their 'Internet Banking Plus' facility?

gerardflanagan

I wasn't aware so thanks.

Do any credit card companies allow you to use that? I'm thinking someone could lift my card details, which would have nothing to do with internet banking, but then my credit card company could say they don't cover me for fraud because I used this service!?

YorkshireBoy

gerardflanagan wrote: »

Do any credit card companies allow you to use that?!?

There's lots of information on the FD site, including a list of available organisations and an extensive list of FAQs, which will answer your questions. Take a look?

I'm thinking someone could lift my card details, which would have nothing to do with internet banking, but then my credit card company could say they don't cover me for fraud because I used this service

You'd need to check the T&Cs of your accounts, because some prohibit the use of account aggregators.

gerardflanagan

I have had a look. They list institutions they support but NOT if those institutions prohibit their use. Their FAQ just says check with the credit card supplier. That is why I asked on here, because it will take quite a while to go through the T&Cs of every potential credit card supplier I am considering, when someone on MSE might have already had the list. Or they may have known for Martin's top dog cards (Capital One etc.).

YorkshireBoy

gerardflanagan wrote: »

it will take quite a while to go through the T&Cs of every potential credit card supplier I am considering

Plus your current and savings account providers (present and future), because some (many?) of those will also have such a prohibition.

gerardflanagan

I want to limit my risk/exposure so the only two key accounts I need are my main current account and credit card. If the credit card supplier allowed FD+ use I might stay with FD for my current account (who presumably support FD+!)