No Contactless Card on Lloyds Bank Basic Account

rtho782

If you're a basic account holder they probably don't WANT your business and have only given you an account as they have to offer basic accounts.

So I don't suppose you'll get far

pmduk

paulduke15 wrote: »

But it seems every other bank does on their basic accounts, including Barclays and nationwide.

I was pointing out a basic factual error in the OP. Those banks that do offer contactless cards with basic accounts have introduced the facility fairly recently. You can't expect every bank to introduce the same facilities at the same time or, as has already been pointed out, ever at all.

Katiehound

For goodness sake- what's so wonderful about contactless??
Many large supermarkets don't actually have a contactless facility.
My answer would br "No", but as said before that option is not showing, so not a great poll!!

Dobbibill

I was also looking for a 'NO' option in the poll.

Just because you don't offer a 'No' option, doesn't mean people will agree with you.

Lloyds offer contactless with many of their accounts, so if you want to stay with them opt for a different account.

If you don't want to stay with them for anything specific then go elsewhere.

Why did you open a basic account?
I assume when you opened it you were aware that it didn't offer an overdraft or a cheque book....things you get with other accounts. Did you write a letter about these things too or were they not 'trendy' enough?
You have to put your pin in for transactions to go through....get over it.

cheesetoast

I vote No.

shortcrust

Looks like the 'no' camp is pulling ahead despite the rigged electoral system. Power to the people!:)

PS: No.

stclair

paulduke15 wrote: »

I have a Lloyds Bank Basic Account and they don't issue contactless debit cards to basic account holders . But it seems every other bank does on their basic accounts, including Barclays and nationwide.

I wrote to Lloyds but no response, I sent them this. I encourage other people to copy and paste this message to them on their Facebook page:

Dear Sir,
I have noticed that with your Lloyds Basic Bank Account, you do not offer a contactless debit card.
Firstly I would like to point out that RBS, NatWest, Nationwide, and Barclays – all offer a
contactless card with their basic accounts, recognising the increasing use of contactless payments
in the UK.
I was told by a local branch manager at Lloyds that the reason why contactless cards are not
supported on the basic account is because the contactless technology can allow you to go
overdrawn. (But so can Pay at Pump petrol stations, even though you can use the debit card which
comes with a basic account at these pumps).
I'm unhappy with the answer from Lloyds that contactless payments can allow an account to go
overdrawn.
I have a lot of experience in banking, and in the manufacturing and operational facilities of these
Visa Debit cards.
As you may be aware, a Visa Debit card can be produced in two forms... an online only card, where
every single transaction has to first be approved with the bank, to make sure there are sufficient
funds in the customers account before the payment is approved, and then there is the offline cards
– where, up to a certain pre-set amount, transactions can be approved offline – without checking
the availability of funds in the customers account beforehand, if upon acceptance there were not
enough funds – this would place the customers account into an overdraft (authorised or
unauthorised). Similar to what the differences used to be between Visa Debit and Visa Electron.
Seen as Lloyds Bank currently don't offer contactless technology on the basic bank account, I am
presuming that whoever is responsible for personal accounts and debit cards may be unaware of
the technology which is available and being implemented by your competitors in order for them to
be able to offer contactless cards to basic account holders.
As I explained above about online only and offline debit cards – the exact same principle can be
applied to contactless technology, and it already is been doing by your competitors.
You would easily be able to issue your basic account customers a contactless debit card which
requires all contactless transactions to be approved only upon confirmation of available funds in
the customers account.
To describe how this works, if a customer produced and waved their contactless debit cards –
before the transaction was authorised – a check would be made to confirm that available funds
were in the account, with the transaction being approved if so, or declined if there is insufficient
funds. This makes it no more likely to go overdrawn than if the card was just a standard non-
contactless card.
If Barclays, Nationwide, RBS, and NatWest can use this technology – so can Lloyds.
I find it greatly unfair that basic bank account holders at Lloyds are having to make do with a far
inferior product than what they'd get with your banking rivals. I strongly believe that this could be
a massive loss for Lloyds should they continue to ban basic account holders from this facility.
This could potentially mean that many basic account customers may switch to another provider
which offers them a contactless card, as more and more retailers are now taking contactless
payments – and virtually every debit and credit card is now enabled with contactless technology.
I hope Lloyds Banking Group address this problem as a matter of urgency, and I await your
response to this matter.

RBS and NatWest don't offer contactless technology on basic bank accounts either.

Have you not just thought about upgrading your account to a classic?

Cherokeebluesome

I recently opened a basic account with Lloyds and I was supplied with a contactless Debit card. Absolutely brill.

Dobbibill

Cherokeebluesome wrote: »

I recently opened a basic account with Lloyds and I was supplied with a contactless Debit card. Absolutely brill.

Are you sure it wasn't the classic account [a fee free current account] You can't apply for the basic account, you are only offered that if your application for a current account declines.

HornetSaver

Anything that makes banks more likely to try to avoid approving basic accounts for those who require them is a bad thing.