Two questions on debit cards

stclair

Toe-Jam wrote: »

Thats exactly my point.



Numbers 5 & 6 are the Bank Identifer.

4(visa)XXX (card type) XX (Originating Bank)
http://en.wikipedia.org/wiki/List_of_Issuer_Identification_Numbers

Lots of banks share the first 4 digits, and then the next to make them unique to the bank.
http://www.barclaycard.co.uk/business/documents/pdfs/bin_rules.pdf

Nationwide and RBS are 4751 for some of their cards, then the next 2 say which bank they are from.

HSBC and Barclays have 4658 and 4659 etc


5(Mastercard
3(amex)
6(maestro)

I do agree that some banks use Bin numbering to tell the difference, but they also use cards different colours

eg RBS cards with digits 5 and 6 [28] are Full Auth, but the cards are also green/blue instead of navy.

You cannot tell from a HSBC debit card if you've got a full auth or a offline one as the Numbers are the same and the cards look the same.

The Natwest full auth cards start 4751 27, 4751 28, 4757 55 or 4757 54,

&

The RBS ones are 4751 16, 4762 30, 4762 31 or 4762 34

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wizzywig27 wrote: »

I have just spoken to RBS who did confirm that it 'should' work everywhere - but he did stipulate as long as there are funds.

Well they can't check your funds on a train.

The issue with pay@pump is different. It's not lack of network connection, it's the fact that they don't know the amount before you pump. An online card can work, but it may need to pre-authorise a tankful. Question is, will it let you pump £10 worth when you've only got £10 in the bank, or will it just say insufficient funds?