Will my Natwest debit card work on a train ?

gettingthere28

Hi,
Sorry for the question but I have read om MSE somewhere I am sure that some Natwest debit cards do not work on trains, and I dont want to look silly if mines is one of them !.

Is there a way of finding out before I try to use it on the train ?, I was going to phone up and ask but I don't want to look stupid !.

Thanks

Fruit_and_Nut_Case

If it's contactless you'll be fine. Otherwise, possibly not.

http://personal.natwest.com/personal/current-accounts/your-visa-debit-card.html

stclair

If your card starts with the following it will not work on a train:

* 4751 27
* 4751 28
* 4757 55
* 4757 54

Unless the trains card terminal can phone home to check you have funds available.

gettingthere28

Fruit_and_Nut_Case wrote: »

If it's contactless you'll be fine. Otherwise, possibly not.

http://personal.natwest.com/personal/current-accounts/your-visa-debit-card.html

Hi,
It is contactless and its a purple card (If that makes a difference).

gettingthere28

stclair wrote: »

If your card starts with the following it will not work on a train:

* 4751 27
* 4751 28
* 4757 55
* 4757 54

Unless the trains card terminal can phone home to check you have funds available.

Hi,
Its 4751 29

stclair

gettingthere28 wrote: »

Hi,
It is contactless and its a purple card (If that makes a difference).

It will work on a train in that case as 4751 29 are full authority debit cards

gettingthere28

stclair wrote: »

It will work on a train in that case as 4751 29 are full authority debit cards

I thought full authority meant it would not work everywhere ?, or is that 'Full Authorisation' ?.

p00hsticks

Fruit_and_Nut_Case wrote: »

If it's contactless you'll be fine. Otherwise, possibly not.

http://personal.natwest.com/personal/current-accounts/your-visa-debit-card.html

The key point is not whether it's contactless or not, but whether its an 'online' or 'offline' card - i.e. whether it always needs to obtain online authorisation from your bank before the purchase is made or not.

Most train companies won't be able to process the online cards on the train itself - you will need to have an 'offline' one. If you have an ordinary rather than a basic bank account with Nat west you should be fine, but I'd always suggest taking an alternative form of payment with you if possible, jsut ion case.

dr_adidas01

p00hsticks wrote: »

The key point is not whether it's contactless or not, but whether its an 'online' or 'offline' card - i.e. whether it always needs to obtain online authorisation from your bank before the purchase is made or not.

Most train companies won't be able to process the online cards on the train itself - you will need to have an 'offline' one. If you have an ordinary rather than a basic bank account with Nat west you should be fine, but I'd always suggest taking an alternative form of payment with you if possible, jsut ion case.

Your wrong you can still have an ordinary natwest bank account and be given the blue online debit card, which has to dial home to check for available funds.

A friend of mine has a Natwest ordinary select account with a £500 overdraft and only has the blue online debit card.

I've told them to switch it to Halifax or First Direct to get the £100 switching offer, most of these banks cards are offline ones. If he can be trusted with an overdraft I don't see why he cant have the purple offline card.

stclair

dr_adidas01 wrote: »

Your wrong you can still have an ordinary natwest bank account and be given the blue online debit card, which has to dial home to check for available funds.

A friend of mine has a Natwest ordinary select account with a £500 overdraft and only has the blue online debit card.

I've told them to switch it to Halifax or First Direct to get the £100 switching offer, most of these banks cards are offline ones. If he can be trusted with an overdraft I don't see why he cant have the purple offline card.

Your friend will be able to get a full authority debit card now if they ask for one.

They can make the request by calling telephone banking and requesting a contactless debit card.

Only basic account customers and credit restricted select silver account holders will be the only ones that will get a blue card now.

stclair

gettingthere28 wrote: »

I thought full authority meant it would not work everywhere ?, or is that 'Full Authorisation' ?.

No in NatWest speak a full authority debit card is an offline debit card.