Anyone tried First Direct?

JuicyJesus

Butch_Dingle wrote: »

Nationwide internet banking....lol. No thanks, I’d rather not be bombarded with their ads whilst logged on nor have to use their horrible/ugly card reader for setting up new payees...and even occasionally for existing payment beneficiaries. Anyway each to their own.

I don't see any ads on Nationwide's Internet banking, and First Direct make you use a secure key to set up payments which isn't really much "uglier" than a card reader.

Butch_Dingle

JuicyJesus wrote: »

First Direct make you use a secure key to set up payments which isn't really much "uglier" than a card reader.

No they don't. If you opt for the digital secure key (rather than physical one), it means you can setup new payees directly from your smartphone without faffing around with bulky secure keys/card readers/other silly gadgets. Something which Nationwide don't offer. AFAIK its only First Direct, HSBC and Barclays who offer a 'digital' version of their card reader/secure key which lives inside your smartphone app & completely removes the need to carry a physical card reader or similar device.

Herbalus

TheEffect wrote: »

'Essential' is dependent on the person.

Mobile App

• Cheque imaging
• Freeze/Unfreeze Cards
• Increase Overdraft/Credit Card Limit
• Call bank from the app (where you are already cleared through security, similar to Barclays)
• View PDF statements
• Name accounts

Agree it's dependent on person, but is naming accounts really essential?

Cheque imaging is coming (it's available with HSBC).

You can't compare the Barclays secure call to FD which takes 10 seconds to go through security on the phone and is answered immediately. The last time I spoke to Barclays they tried to tell me I had to speak to Natwest if I wanted to switch my Natwest account to Barclays.....even after he checked with a supervisor... *bangs head against wall*. FD have the best phone service by a mile.

The FD app isn't the most technically advanced out there (I have 14 banking apps), but it's not the worst, and does everything I need it to do. That said, it's not my main bank as there's no credit interest.

JuicyJesus

Butch_Dingle wrote: »

No they don't. If you opt for the digital secure key (rather than physical one), it means you can setup new payees directly from your smartphone without faffing around with bulky secure keys/card readers/other silly gadgets. Something which Nationwide don't offer. AFAIK its only First Direct, HSBC and Barclays who offer a 'digital' version of their card reader/secure key which lives inside your smartphone app & completely removes the need to carry a physical card reader or similar device.

Oh well that's totally disproved my factual point that Nationwide's online banking objectively offers more functionality than First Direct's.

Especially since Nationwide's app lets you make payments to new payees too.

carapace

meer53 wrote: »

I don't really see what you're trying to say ? You can only register for online banking once you've made an application and an account has been opened. Any match of date of birth and name will flag up a previous relationship, however the application is made, same as most banks I would imagine. You surely can't think that application systems operate independently ?

The core data for a bank is the customer contact info, account numbers, transactions etc. That data is only kept for about 7 years and is heavily regulated. The website is just an interface that allows us to access the database that contains that core data, and website log-ins are based on email IDs, which are linked to your bank account when you register for online banking.

My speculation is that FD deleted the core account data (account info), but the website log in registration remained. This is just an email address and some passwords, and they are not linked to account data, as there is no account anymore. When you come back, the website recognises you, but you are not flagged as an old customer as there is no bank account anymore.

As I said, this is just my speculation and I might be completely wrong, but it does make some sense, as the website registration would sit in a different system/database than core banking data.

I've seen it before with other banks or accounts (e.g. Barclaycard, Sky - I can still log in to their website but I have no accounts with them anymore).

Butch_Dingle

JuicyJesus wrote: »

Oh well that's totally disproved my factual point that Nationwide's online banking objectively offers more functionality than First Direct's.

Especially since Nationwide's app lets you make payments to new payees too.

No, i was pointing out that the following isn't necessarily true:

JuicyJesus wrote: »

First Direct make you use a secure key to set up payments .

by stating that having a First Direct 'digital' secure key removes the need to carry a physical card reader/secure key type device. ie far more convenient

To setup new payees on FD app: no need for a physical card reader/secure key/other device
To setup new payees on Nationwide app: you MUST use a card reader

Is that clear enough for you?

meer53

carapace wrote: »

The core data for a bank is the customer contact info, account numbers, transactions etc. That data is only kept for about 7 years and is heavily regulated. The website is just an interface that allows us to access the database that contains that core data, and website log-ins are based on email IDs, which are linked to your bank account when you register for online banking.

My speculation is that FD deleted the core account data (account info), but the website log in registration remained. This is just an email address and some passwords, and they are not linked to account data, as there is no account anymore. When you come back, the website recognises you, but you are not flagged as an old customer as there is no bank account anymore.

As I said, this is just my speculation and I might be completely wrong, but it does make some sense, as the website registration would sit in a different system/database than core banking data.

I've seen it before with other banks or accounts (e.g. Barclaycard, Sky - I can still log in to their website but I have no accounts with them anymore).

Speculation doesn't help the OP though does it ?

SSUPER

Been with them. Don't like them, a rather unremarkable bank. Like John Lewis, they are put on some pedestal by people.

JuicyJesus

Butch_Dingle wrote: »

To setup new payees on Nationwide app: you MUST use a card reader

Is that clear enough for you?

Except it is wrong. Nationwide's app lets you pay new payees.

No_6

old ones don't do app,
so perhaps... JJ was talking about the OLD internet banking ?