Feedback on nationwide internet banking

agrinnall

I haven't done internal Nationwide transfers for a while now but it seems a bit odd that they would always want you to use the card reader, particularly when they must know that the accounts belong to you. I certainly don't have to use it every time for the transfers that I make to other banks.

InsideInsurance

agrinnall wrote: »

I haven't done internal Nationwide transfers

Not internal, the requirements of the FlexDirect is that the £1,000 has to come from a non-nationwide account so its bouncing it between the 8 accounts via an external account

1jim

InsideInsurance wrote: »

Use a couple of banks and Nationwide's about average. The annoyance, like HSBC Business is the reliance on their security device.

I only really use it to bounce my £1,000 around between FlexDirect accounts but its frustrating every month having to use the card reader to do the same transfer each time.
.

Does it make you use the security device for every transfer, even if it's been set up previously? Is that the same regardless of how you log if (using security device or otherwise?)
Smile has the card reader but only makes me use it for setting up a new payee, really don't want to have to use it every time I pay a bill or transfer money
Cheers

Archi_Bald

InsideInsurance wrote: »

I only really use it to bounce my £1,000 around between FlexDirect accounts but its frustrating every month having to use the card reader to do the same transfer each time.

That's starge because I am not asked for the "£1K" transfers. Mind you, I pay into each account from external account, then do internal transfers to a FlexPlus I have, and from there back to the external account. One of the reasons I do this is your following point.

InsideInsurance wrote: »

The other annoyance is that if you authorise a payee on one account you have to do it again for your other 3 accounts even though they all appear under the one log in.

I agree, the whole payee handling could do with a major upgrade.

dreaming

InsideInsurance wrote: »

I only really use it to bounce my £1,000 around between FlexDirect accounts but its frustrating every month having to use the card reader to do the same transfer each time.

I transfer cash to my Santander account and back but only had to use my card reader when I transferred the first large amounts (2x£10k). Is it for amounts over a certain amount because I transferred £750 last week and it was not required? I do have it set up as a regular payment.


No problems for me with the IB.

Milarky

Can't really fault Nationwide's online banking experience because it is very good compared to any other bank's website. So I'll try to instead!

The 'mouse over drop downs' are a bit faffy at first - but you soon get the hang of them.

So the main gripe is the absence of a proper real-time bank statement. Instead you get two screens:

a 'mini statement' of the last 12 transactions only

a 'full statement' that includes transactions up until the previous date

So not only do these screens look different to each other and the mini lacks full item descriptions, but if you have had more than 12 transactions (say 14) then you can't do a proper reconciliation on balances - because some transactions won't appear! This can only happen if your account is particularly busy on any day but it does crop up occasionally.

Nationwide has a nice 'filter' for viewing transaction screens, but it could be improved (like all these ad hoc genies could be) by adding more categories or rethinking the categories which are in use currently.

They also have a faster payments section covering the last 24 hours. Nice! but it uses a rolling 24 hour day instead of (say) displaying payments made 'today' plus all payments made since 00.01 'yesterday' and only updating the entries to this section at a fixed time each 24 hours.

Anyway a deserved 8 out of 10 overall.

Archi_Bald

1jim wrote: »

Does it make you use the security device for every transfer, even if it's been set up previously? Is that the same regardless of how you log if (using security device or otherwise?)

In my experience, you

1. always need the card reader when setting up a new payee
2. only very, very occasionally need it afterwards to make a payment to an existing payee. This is totally random

1jim

Milarky wrote: »

So the main gripe is the absence of a proper real-time bank statement. Instead you get two screens:

a 'mini statement' of the last 12 transactions only

a 'full statement' that includes transactions up until the previous date

So not only do these screens look different to each other and the mini lacks full item descriptions, but if you have had more than 12 transactions (say 14) then you can't do a proper reconciliation on balances - because some transactions won't appear! This can only happen if your account is particularly busy on any day but it does crop up occasionally.
.

So does this mean there is no way to see all transactions since the last statement? Or do you mean there is a full list of all transaction it just doesn't have a running total column?

System

Also, the mobile app allows you to send payments to existing payees.
I found this easier than logging in to the website.

Archi_Bald wrote: »

In my experience, you

1. always need the card reader when setting up a new payee
2. only very, very occasionally need it afterwards to make a payment to an existing payee. This is totally random

noh

Milarky wrote: »

a 'mini statement' of the last 12 transactions only

a 'full statement' that includes transactions up until the previous date

So not only do these screens look different to each other and the mini lacks full item descriptions, but if you have had more than 12 transactions (say 14) then you can't do a proper reconciliation on balances - because some transactions won't appear! This can only happen if your account is particularly busy on any day but it does crop up occasionally......................

That is the case with FlexAccount online full statements but FlexPlus and FlexDirect online full statements show all transactions in real time.