Bank account, debit card, with ZERO overdraft

diamonds

Heng_Leng wrote: »

NatWest or RBS Select account with overdraft control as they are the only bank that doesn't charge for that function.

Grumbler - the card issuer determines if cards work at Pay at Pump. Some basic account providers allow it and others don't (most notably NatWest/RBS). The value authorised is usually £1 not 1p like Diamond says.

Well I can assure you 1p is all you need for a TSB CC (thus possible LBG), seen it done many times, 23p...etc etc... even numerous times with a overdue payment (under 4 weeks overdue).

GingerFurball_2

Halifax or Lloyds offer a basic account that seems to fit the boat for what the OP wants. Only downside is that you cannot apply directly for it, you must apply for a full current account and will only be offered the basic account if you don't meet the criteria for a full account.

20aday

Nationwide FlexBasic should be mentioned here.

I opened one (with no adverse credit history) earlier on in the year and it comes with a contactless Visa Debit card that'll work on Pay at the Pump systems.

I work in a petrol station and if someone attempts to use a card from the likes of NatWest/ RBS they automatically decline because the card needs to check the available funds and the pumps are "off-line".

Again there are no credit facilities etc so OP wouldn't need to worry about being offered an Overdraft etc.

solentsusie

Maybe I am being a bit dumb here, but surely if the main criteria of this account is not to have an overdraft facility then all the OP has to do is not request one when they apply for the account.

Pretty simple really....

Oh, a just make sure you keep a strict check on your spending, which is very easy to do with online accounts.

badger09

solentsusie wrote: »

Maybe I am being a bit dumb here, but surely if the main criteria of this account is not to have an overdraft facility then all the OP has to do is not request one when they apply for the account.

Pretty simple really....

Not that simple really.

Just because you haven't requested an overdraft facility doesn't mean you can't go into overdraft:cool:

solentsusie wrote: »

Maybe I am being a bit dumb here, .......

Oh, a just make sure you keep a strict check on your spending, which is very easy to do with online accounts.

It is clear form OP's posts that it is the other joint holder who may be unwilling to do this;)

gsf600y wrote: »

Basically, I want to completely avoid all overspend. I want zero ability to spend more than is put into the account.

It's an approach to stopping overspend on a joint account. (don't ask )

gsf600y wrote: »

So, looks like all I can do is get a normal current account, with an agreed overdraft, and request the other joint account holder doesn't go into it.

So there's no way to prevent accidental or otherwise overspend

This is pants.

System

You don't need to assure me that your credit card provider is allowing you to go slightly over your credit limit...

diamonds wrote: »

Well I can assure you 1p is all you need for a TSB CC (thus possible LBG), seen it done many times, 23p...etc etc... even numerous times with a overdue payment (under 4 weeks overdue).

grumbler

Well, some aren't allowing - that, personally, I prefer. My Aqua used to work this way, although typically it was rather pounds than pence.

benjus

Surely if a basic bank account card doesn't work at PaP it's because the pump doesn't have an online connection to perform the authorisation, not because the authorisation amount is unknown.

OK, the pump doesn't know in advance exactly how much to authorise, but it does know the maximum amount that could be required (typically around £100, after which the pump will stop supplying fuel) and can authorise that amount.

diamonds

Heng_Leng wrote: »

You don't need to assure me that your credit card provider is allowing you to go slightly over your credit limit...

MY credit card ?

ME over my limit on any financial commitment ?


Not likely


You said £1, monthly (every month) P@P evidence of a ex friend who is in self inflicted financial ruin says 1p available credit on a TSB Credit Card, you said £1 I but only assured yourself it was 1p from my experience of watching someone filling up petrol @ P@P.


I never said me, I or my ?


Your assumption of £1 is also your other assumption of me using my credit card?


Also as stated above in my posts, the CC never goes over the agreed CC limit using P@P.