Nationwide Cash Card Account

Debutante

Thanks to the forum I applied yesterday evening for a Nationwide Cash Card account. To my surprise I was accepted but in my excitement I did not read in detail what type of card I am going to get.

Could anyone who has one of these accounts tell me what type of card it is please? Am I able to use it for online purchases?

Also, what are the pros and cons of this account. I noticed I would get online banking but any other benefits or downsides?

Many thanks

Edit: is it an ordinary current account? I want to link it to PayPal and they only accept current accounts

grumbler

I used to have a cash card with one of my NW accounts. At some point they replaced all cash cards with some sort of debit card with limited functionality, e.g. UK only usage (withdrawals?).
Recently I upgraded it to FlexDirect, so don't remember all details.

ETA: found the old card - it was Visa DEBIT, but called "cash card +".
The account itself was a normal current account.

http://www.nationwide.co.uk/current_account/cashcard/basic-cash-card-account.htm
No cheque book and no cash withdrawals abroad.

Debutante

Thank you
So if it is a Visa debit card I should be able to use it online

Archi_Bald

You could always check what it says on the Nationwide website. grumbler has even kindly provided the link for you.

Debutante

Archi_Bald wrote: »

You could always check what it says on the Nationwide website. grumbler has even kindly provided the link for you.

I had already checked the site and it did not specify the card type that is why I asked the question.

Thanks for your useful informative friendly welcoming post.

kpearsoncj

Hi i used to have the cash card account - its good the only difference between the account and full one is that you cant use cashmachines abroad but the account is great for what you get

Debutante

kpearsoncj wrote: »

Hi i used to have the cash card account - its good the only difference between the account and full one is that you cant use cashmachines abroad but the account is great for what you get

Thanks - sounds good
I am not sure about the differences between the different types of Visa cards, I have seen references about the opening numbers on the cards which tell you what type it is. I have also read that some of them cannot be used in situations where they need pre-approval such as at petrol pumps. Time for some more research !

CaptainAmerica

I have a cash card account with one of the large high street banks and the card I have is a Visa debit card which can be used for exactly the same things as a debit card for any other account.

The only difference in accounts is that my cash card account has no O/D facility but everything else is the same as any other bank account.

Hominu

Debutante wrote: »

I had already checked the site and it did not specify the card type that is why I asked the question

You obviously didn't look very hard. On the page where it tells you the benefits of the account, it includes:

A cash card which enables you to withdraw money at any Post Office® branch, pay for goods and services in shops, online and over the phone plus get cashback in certain UK stores.

Debutante

Hominu wrote: »

You obviously didn't look very hard On the page where it tells you the benefits of the account, it includes:

Yes, I saw that but I am a bit of an innocent in such things. I had the vague idea that some cards have some kind of pre-payment. I just wanted to know what actual type of card it was.
Edit - I thought this was a self-help forum where people try to help each other.....

grumbler

Debutante wrote: »

Edit - I thought this was a self-help forum where people try to help each other.....

Not to be confused with spoon-feeding.

That said, I find the information on Nationwide website not clear as I am pretty sure my card could be used in any UK ATMs, not just for withdrawing cash at PO.

Re petrol pumps, it's almost definitely an 'online' card that is unlikely to work.