All Basic Accounts Will Be Affected Sooner Or Later

18cc

PS can I refer you to this 2012 thread talking about basic bank accounts and pay at pump not bening allowed:

https://forums.moneysavingexpert.com/discussion/4348791

"A true basic account wont give you an offline card because you cannot have an overdraft with them and so there'd be a problem if you paid for something when you had insufficient funds to cover it but because the transaction wasnt done online/ in real time you've already received the goods/ service and gone."

[Deleted User]

renegadefm wrote: »

All basic bank accounts will not be able to be used at card only readers at fuel stations at some stage in the near future which could leave people vunerable and unable to fuel the car.

Halifax started this new rule on the 18th December 2017 which has been requested from Visa. And other banks will soon follow.

It's meant to prevent people going overdrawn so easily. Yet its ok for them to run out of fuel and be left stranded. I'm annoyed why hasen't this been published anywhere, or customers warned of the change as I only found out after my card wouldn't work at the asda fuel pump.

Basically I find this discusting and very dangerous potentially leaving women and children at risk of being stranded somewhere without fuel.

I look forward to a future thread from you where you complain the bank made you overdrawn because they allowed you to make an offline payment.

colsten

18cc wrote: »

In my opinion this is very constructive of financial institutions - everyone makes mistakes financially and this is a way to build up again following a financial disaster

Basic accounts weren't an idea of the financial institutions. They have to provide them under an EU Directive which says that everyone (bar some very limited exceptions, such as convicted criminals) must be given basic banking facilities.

YorkshireBoy

colsten wrote: »

Basic accounts weren't an idea of the financial institutions. They have to provide them under an EU Directive which says that everyone (bar some very limited exceptions, such as convicted criminals) must be given basic banking facilities.

Indeed the banks would rather not offer/run them given the choice. Halifax themselves (and I'd wager the others too) say in the account T&Cs that if they become aware* that you've opened up a current account elsewhere they may close your Basic Bank Account.


* And they will, via the CRA monthly feeds they take.

shortcrust

Madness! How on earth can people possibly be expected to fill up with petrol between the hours of 6am and 10pm?

Robisere

Here are some ideas:

*use cash to buy your fuel. All filling stations I use have an ATM.

*organise your life so that you arrive at the pumps with enough cash in your pocket.

*take care to drive sensibly as possible, to keep fuel consumption as low as possible.

18cc

Having cash does not help if there was a cashier available to take his cash then he could pay with his debit card the problem occurs when the cashier is closed and the only way you can pay for fuel is via pay at pump

colsten

shortcrust wrote: »

Madness! How on earth can people possibly be expected to fill up with petrol between the hours of 6am and 10pm?

If all else fails, you could conduct your personal finances in such a way that you qualify for a full-function debit card, or for a credit card. It's personal choice.

System

d123 wrote: »

A thread from 2014 with complaints about certain NatWest cards not working for pay@pump or on trains.

https://forums.moneysavingexpert.com/discussion/5102262

Even older, here’s one from 2012

https://forums.moneysavingexpert.com/discussion/4204637

To be fair to the OP, NatWest & RBS specify which debit cards numbers can't be used at P@P in their T&Cs.

It's a bit off for Halifax to suddenly remove the functionality and not tell customers of the change.

d123

Heng_Leng wrote: »

To be fair to the OP, NatWest & RBS specify which debit cards numbers can't be used at P@P in their T&Cs.

It's a bit off for Halifax to suddenly remove the functionality and not tell customers of the change.

I think as it’s ALL basic account holders the Halifax don’t have to publish card numbers.

Also, as we only have the OP’s (slightly sensationalised) account we don’t actually know whether Halifax sent out notice of the change,