Shocking nationwide security

JuicyJesus

moneybags1957 wrote: »

Surely it is not beyond Nationwide to send pin with link to send card or have either collected from branch.

You should perhaps have asked for it to go to a branch if you wanted it to go to the branch.

Again, Nationwide don't control when the Royal Mail deliver your post.

john1002

If you had asked about branch delivery they would have and the whole point of sending them ASAP is so you are not without a card, yes it might be better for you a link but most people would want the card to arrive as quick as possible. Automated no issues.

John

Zanderman

moneybags1957 wrote: »

Surely it is not beyond Nationwide to send pin with link to send card or have either collected from branch.

In my experience most, if not all, banks send the card and pin seperately but just a day or so apart. It's normal practice. You can't fault Nationwide for doing the same as everyone else!

And, as others have said, it's the Royal Mail that deliver the two envelopes, not Nationwide. And if one gets delayed then yes, they can arrive the same day.

It's not 'shocking', it's not 'very poor security' and it's not unique to Nationwide.

But, also as others have said, I can't see how you can complain about security if you have an outside letterbox. That is, arguably, 'very poor security'.

moneybags1957

being a total sceptic I wonder what the senario would have been had they been intercepted and the new card used with the pin?

Chalkius

The bank most likely sent the card and pin separately but it just so happens the mail delivered them together. Not the banks fault.

Also, regarding reporting the card lost when it was taken by an ATM, most banks will have a process where it'll be reported lost/stolen but they can select what sort of situation (Street, Shop/Restaurant, ATM, never delivered, etc). Not sure that makes a great deal of difference.

Chalkius

moneybags1957 wrote: »

being a total sceptic I wonder what the senario would have been had they been intercepted and the new card used with the pin?

As soon as you noticed the fraudulent activity and informed your bank I'm sure they'd log it as fraud for you and refund you any money, and would send a new card and PIN, though most likely even further apart this time.

jimjames

Why didn't you offer to collect them directly from Nationwide if you were worried about the security of your mailbox?

agrinnall

teddysmum wrote: »

Until this month,when doing the round robin between accounts, I've been asked to use the card machine to log in and again to send money. However, this month, it just accepted the transfer.

That's completely standard, you're normally asked to use the card reader once or twice to confirm details, after that it accepts that the payment is valid and you don't need to use it again (it's possible it may randomly decide to request a further check at some point although I don't recall it happening often, if it all).

TheShape

When I was in full-on account opening mode I had three cards and their respective pins arrive on the same day. That was having applied for four accounts over one weekend and one other in the previous week. Had a total of 18 pieces of banking correspondence that day.

Thrugelmir

moneybags1957 wrote: »

Guess what? they turned up TOGETHER in our outside letterbox.

If in the same envelope then mail could get intercepted at any point in the delivery chain. Which is a far higher risk.