unknown payment from bank

colsten

If you worry about it, open a new bank account somewhere entirely different, move your money and close the old account.

You could consider switching, which could pay you up to £150. It will do the moving of money, DDs, SOs and payees list, and close your old account.

Goldiegirl

There's actually a transaction for £0.00 on your statement? I'm not sure how that could happen

murmeltier

From what I've observed myself I believe these £0.00 authorisations to BANK ONLINE AUTH USA show up in your list of pending transactions every time you use your card online and the "Verified by Visa" screen pops up asking for additional verification.


Typically a second authorisation shows up immediately afterwards with the amount you've just authorised and the merchant name.


A few days later the merchant transaction settles and the merchant authorisation turns into a transaction.


The £0.00 authorisation tends to hang around a few more days but will eventually drop because it never settles.


May well be the case that a similar authorisation process happens for pay at pump transactions - as I don't do these very often I haven't noticed.


Why it's done like this and why customer service can't explain this to you - no idea.

famousj

I've had this too, not sure if you used Just Eat but it seems it could be them as lloyds FB page has a post on it from customers. I've used them and this pending transaction has come up, it's a verification security through visa. Hope this helps.

Hellzapoppin

An authorisation for £0 is usually for a retailer verifying a cardholder billing address and will therefore relate to a recent online or telephone purchase.

mum2one

have you hopped online with Sainsburys - they put through £0.00 when you put through the shopping list and again if you alter the order they do the 0p run, xx

jonesMUFCforever

It will not have shown on a statement - it will have been a pending transaction.
On Lloyds internet banking you have a tab on your account to show what these are and by double clicking it it will show the information the bank can see to determine what it is.
The bank is correct in that until a transaction is debited to an account they can't do anything about it.

bilko89

murmeltier wrote: »

From what I've observed myself I believe these £0.00 authorisations to BANK ONLINE AUTH USA show up in your list of pending transactions every time you use your card online and the "Verified by Visa" screen pops up asking for additional verification.


Typically a second authorisation shows up immediately afterwards with the amount you've just authorised and the merchant name.


A few days later the merchant transaction settles and the merchant authorisation turns into a transaction.


The £0.00 authorisation tends to hang around a few more days but will eventually drop because it never settles.


May well be the case that a similar authorisation process happens for pay at pump transactions - as I don't do these very often I haven't noticed.


Why it's done like this and why customer service can't explain this to you - no idea.

That makes sense as I just paid my road tax online yesterday and saw the Verified by visa/bank of scotland screen for the first time ever when purchasing something online. And today this 0.00 has shown on my account.