Lloyds Tsb Debit card

money_grows

Hi Guys,

I've just opened an account Lloyds.
I have received my debit card today, it's the green visa debit card for the classic account. It starts with 4921 8193 is it the offline type or the online type? I think it maybe the offline version does anyone know for certain? Also how do you rate Lloyds in general?
The internet banking looks really good.

Thanks

Dr_Cuckoo3

cards starting 4921 8197 had the cheque guarantee facility (and only the first 6 digits are relevant as far as I know)

So you have the offline version on that basis

jamesperrett

I've been with Lloyds for something like 40 years but stopped using them for my main current account after they refused to let me (as an existing customer) open a new account on a Saturday when they were happy for new customers to open accounts. I went to the nearest Nationwide branch who were happy for me to open an account (I already had a savings account with them) and, when I found I needed their low foreign withdrawal charges as I was travelling a fair bit, I moved my main account to Nationwide.

Since then, I've used my Lloyds TSB accounts for certain things when they were competitive but they're not particularly good at catering for existing customers so I find I'm using them less and less. The big advantage is that you can find branches just about everywhere.

James.

pcombo

jamesperrett wrote: »

I've been with Lloyds for something like 40 years but stopped using them for my main current account after they refused to let me (as an existing customer) open a new account on a Saturday when they were happy for new customers to open accounts. I went to the nearest Nationwide branch who were happy for me to open an account (I already had a savings account with them) and, when I found I needed their low foreign withdrawal charges as I was travelling a fair bit, I moved my main account to Nationwide.

Since then, I've used my Lloyds TSB accounts for certain things when they were competitive but they're not particularly good at catering for existing customers so I find I'm using them less and less. The big advantage is that you can find branches just about everywhere.

James.

By going with how long you have been a customer dont you think your abit old to be throwing tantrums when you cant get your own way!!

moving banks becuase you cant open an account on a saturday, Which isn't normaly a working day for banks really!!!

MoneySaverLog

If you're going by the first 6 digits then it's a offline card, also does it have the paywave logo as paywave cards would indicate it's offline.

Plxply

MoneySaverLog wrote: »

If you're going by the first 6 digits then it's a offline card, also does it have the paywave logo as paywave cards would indicate it's offline.

That's the logo you will be looking for on your card to see if it's contactless, you may also get a leaflet telling you about the contactless capabilities if it is.

There is one definite way to find out and that is to run it through a card reader, but I don't think the MSE community would be willing to send their cards to me for testing :P

MoneySaverLog

Plxply wrote: »

There is one definite way to find out and that is to run it through a card reader, but I don't think the MSE community would be willing to send their cards to me for testing :P

Lloyds TSB don't have card readers and the card does not work in other card readers so how do you check?

Plxply

MoneySaverLog wrote: »

Lloyds TSB don't have card readers and the card does not work in other card readers so how do you check?

You need a magnetic stripe reader or to know someone with one. On the magnetic strip it has the service code which tells the terminal whether the card requires online auth:

https://en.wikipedia.org/wiki/Magnetic_stripe_card#Financial_cards

Not particularly useful information for most people, but interesting none the less.

MCGONIS

pcombo wrote: »

By going with how long you have been a customer dont you think your abit old to be throwing tantrums when you cant get your own way!!

moving banks becuase you cant open an account on a saturday, Which isn't normaly a working day for banks really!!!

Oh here we go.

You have not changed or learned your lesson.

You offer no advice. STOP being a contibuter unless you are helpful. STOP this peter perfect atitude.

You said that Fred Perry was for chavs, when I was asking for advice about fake goods. You got MSE to delete my reply to you.

You continue to post in a similar unhelpful style.

I am yawning..............

savagej

Plxply is correct the only way to tell for sure with a Visa Debit card (and only Visa Debit), for this purpose is to know what is embedded within the card itself.

This can be done with a card reader of your own, and the bank will know what they encodded the card with at the time of issue (getting this information from the bank, can prove difficult as finding someone who understands your question can often be difficult).

Also, the magnetic strip data can differ from the Chip data, the Chip data is dynamic not static. So the bank will also know what is on the Chip at any given time as well. Chip and PIN transactions are more secure and a card can be programmed to say not have to go on-line for the next x number of transaction or set a maxmium spend before forcing the transaction on-line.

In this country the use of the magnetic strip is now a fall-back procedure for a card with a Chip in it, so if the mag stripe is used it does not matter whether it say must be authourised or not, if it is not authourised on-line the person accepting it has less assurance it is going to get its money than if the Chip was used.

Unfortuntately the card's first few digits no longer are the answer they used to be, as I know of only one bank who have gone to the trouble of actually putting it is their terms and conditions (RBS with the card number and NatWest with the card colour) by stating if your card begins 4xxx xx then it must get a positive authorisation before a transaction should proceed. Note the should, as there are no definites in this process mistakes can and do get made.

The whole reason for having this code, is that as of I think it was April last year Visa rules changed and any card transaction can be returned unpaid if the card has a positive authourisation code and no on-line authourisation was obtained for the transaction. This allows the bank to issue the card to anyone it does not wish to give credit to by allowing an account to go overdrawn.

Edit: Also, unfortuntately the contactless facility on a card is not a guarantee of the card's programming. It might well be all LTSB cards with this are, but then O2 have just brought out their new wallet facility and their prepaid card is a Visa Debit numbered card and is also contactless but I imagine they don't want it going overdrawn.

Plxply

savagej wrote: »

The whole reason for having this code, is that as of I think it was April last year Visa rules changed and any card transaction can be returned unpaid if the card has a positive authourisation code and no on-line authourisation was obtained for the transaction. This allows the bank to issue the card to anyone it does not wish to give credit to by allowing an account to go overdrawn.

This has always been the case, although I think it only happens if the acquirer were to do an audit of a merchant due to excessive chargebacks or other reasons. Then again they could also easily pick up on this when the merchant sends the transactions off for processing.

The specific information is available on Page 939 of the "Visa International Operating Regulations":

Reason Code 78 Service Code Violation

Overview - Reason Code 78

Time Limit: 75 calendar days

Authorization was not obtained for a Magnetic-Stripe read Transaction on a Visa Electron Card or
on a Visa Card in a registered mandatory positive Authorization (Service Code) account range,
excluding U.S. Domestic Transactions.

Chargeback Conditions - Reason Code 78
Both:
1.A Merchant completed a Magnetic-Stripe read Transaction on a Visa Electron Card or a Visa
Card in a registered positive Authorization (Service Code) account range
2.Merchant did not obtain Authorization

I'm just such an exciting person