PIN blocking of CC when outside the UK?

C_Mababejive

Is it just me or do others suffer from this malady too? My bank seem to think that i am not allowed to leave the UK and i have continual issues with pin blocking. This despite using the "notify us when going abroad" facility. It is a curious thing that it is perfectly possible to do swipe transactions but not chip and pin so there are two layers of security,one blockable,the other apparently not..

sinizterguy

Not me.

None of my multitude of cards have given me the slightest bit of trouble, no matter where I have used it (Asia or Middle East).

agrinnall

Which bank? I've also never had any problem with any of my card issuers.

C_Mababejive

The folly of it is that it is still perfectly possible to do swipe transactions and CNP transactions on it i.e just the sort of thing that a fraudster would seek to do whereas i ,the legit customer am prevented from doing chip and pin transactions where a swipe machine doesnt exist.

zerog

Well with swipe the merchant is liable for misused cards whereas with C&P the customer is.

I haven't had any trouble either but then I rarely use UK cards outside the UK, preferring to have local bank accounts in the countries I spend most time in

agrinnall

You still haven't bothered to tell us which bank it is, if you do that perhaps others can tell you whether they are able to use that bank's cards with C&P or if it's a common problem with them.

reclusive46

zerog wrote: »

Well with swipe the merchant is liable for misused cards whereas with C&P the customer is.

Thats only the case in Chip countries. A US merchant for example isn't liable when they take a UK chip card via magstripe (Not until October 2015 anyway).

From experience most banks act the other way and treat magnetic stripe transactions with much more suspicion.

lazer

I have issues to - with Tesco bank infact my card is constantly blocked due to online foreign transactions.


As I live in Northern Ireland, I buy from many online suppliers in the South in Euro, and also have family in Australia so buy for them on Australian websites.

agrinnall

lazer wrote: »

I have issues to - with Tesco bank infact my card is constantly blocked due to online foreign transactions.


As I live in Northern Ireland, I buy from many online suppliers in the South in Euro, and also have family in Australia so buy for them on Australian websites.

Different issue to the OP though, whose problem is using the PIN when out of the UK, it sounds like you are doing online transactions at foreign websites, which won't require your PIN (at least, I hope you've never provided it!).

SnowTiger

C_Mababejive wrote: »

Is it just me or do others suffer from this malady too? My bank seem to think that i am not allowed to leave the UK and i have continual issues with pin blocking. This despite using the "notify us when going abroad" facility.

I've had no problems with Halifax, N&P and Nationwide.

Well, that's not entirely true. I've had my card rejected a few times, however I'm 99% certain that's been a technical issue with the terminal or data connection. Fortunately it hasn't happened for a few months now.

Santander wouldn't let me withdraw any money from a cashmachine abroad using my debit card, but I find them generally a bit touchy.

ICan'tStandIt

C_Mababejive wrote: »

Is it just me or do others suffer from this malady too? My bank seem to think that i am not allowed to leave the UK and i have continual issues with pin blocking. This despite using the "notify us when going abroad" facility. It is a curious thing that it is perfectly possible to do swipe transactions but not chip and pin so there are two layers of security,one blockable,the other apparently not..

Did you ring your bank to ask them?


It maybe that your card is fine, but the ATM you used is not. ATMs generally have default messages about contacting the card issuer which are programmed to appear on the screen when it can't establish a link.


Your bank isn't trying to hold you up on purpose. They will have more information on why your card won't work abroad, so I'd suggest giving them a quick tinkle.