First Direct to switch to MasterCard Debit Cards

Lightning360

stclair said:

username said:

You'll have to excuse my slightly questionable photoshop work but I think the space could have been better used, especially with them spending (presumably) a lot of new money on the logo and not using it on the new cards.
Although it seems HSBC love the branding in the right-hand corner which is probably what the group brand rules are for designing cards. With the L/H space taken up by the lion on HSBC cards, it just looks odd with nothing there on the FD ones. Perhaps they could have used the new 'fingerprint' design in the corner?

The HSBC cards are portrait in Hong Hong. 

The lion cards look better landscape imo.

dr_adidas01

stclair said:

username said:

You'll have to excuse my slightly questionable photoshop work but I think the space could have been better used, especially with them spending (presumably) a lot of new money on the logo and not using it on the new cards.
Although it seems HSBC love the branding in the right-hand corner which is probably what the group brand rules are for designing cards. With the L/H space taken up by the lion on HSBC cards, it just looks odd with nothing there on the FD ones. Perhaps they could have used the new 'fingerprint' design in the corner?

The HSBC cards are portrait in Hong Hong. 

Now I like this design as it’s well thought out and fills the card nicely. Also like that the MasterCard logo is the monochromatic one like my curve metal card. 

adamp87

dr_adidas01 said:

stclair said:

username said:

You'll have to excuse my slightly questionable photoshop work but I think the space could have been better used, especially with them spending (presumably) a lot of new money on the logo and not using it on the new cards.
Although it seems HSBC love the branding in the right-hand corner which is probably what the group brand rules are for designing cards. With the L/H space taken up by the lion on HSBC cards, it just looks odd with nothing there on the FD ones. Perhaps they could have used the new 'fingerprint' design in the corner?

The HSBC cards are portrait in Hong Hong. 

Now I like this design as it’s well thought out and fills the card nicely. Also like that the MasterCard logo is the monochromatic one like my curve metal card. 

Agreed I think it's quite smart. I do like the HSBC card in general but if they moved to this direction I wouldn't be against it.

stclair

username said:

You'll have to excuse my slightly questionable photoshop work but I think the space could have been better used, especially with them spending (presumably) a lot of new money on the logo and not using it on the new cards.
Although it seems HSBC love the branding in the right-hand corner which is probably what the group brand rules are for designing cards. With the L/H space taken up by the lion on HSBC cards, it just looks odd with nothing there on the FD ones. Perhaps they could have used the new 'fingerprint' design in the corner?

This looks ok 

jackjones01

It’s look they will all be replaced by 10th September 21. 

https://www1.firstdirect.com/help/bank-accounts/debit-card/mastercard/

WillPS

Always interesting to see what kind of headaches these transitions cause. It appears HSBC ATMs and self-service machines won't be able to identify these as HSBC Group cards initially - so customers will only be able to access the same services that any LINK debit card customer can.

Interesting how keen they are to position this as an improvement and yet so unwilling to actually go in to any detail as to how it is. I'm not a customer of FD, but I think I'd prefer the truth if I was.

username

WillPS said:

Always interesting to see what kind of headaches these transitions cause. It appears HSBC ATMs and self-service machines won't be able to identify these as HSBC Group cards initially - so customers will only be able to access the same services that any LINK debit card customer can.

Interesting how keen they are to position this as an improvement and yet so unwilling to actually go in to any detail as to how it is. I'm not a customer of FD, but I think I'd prefer the truth if I was.

The implementation does seem very half-arsed and rushed.

As a client of theirs, having read that FAQ it doesn't inspire confidence - and the fact that they have listed the issues as "temporary" but with no time frame for resolution is concerning.

Ultimately a change of card scheme should not result in any loss of functionality to its clients, temporarily or otherwise.

It should be transparent (apart from the new card being sent). Everything should work as before, and if it doesn't, the rollout should be slowed down to allow for fixes to be bedded in so that everything does work as intended.

I've lifted the FAQ off the page in case it disappears.

Temporary changes when using an ATM

When you use your Debit Mastercard at an ATM:

• you won’t be able to access mini-statements
• at HSBC ATM machines only, you won’t be notified if a cash withdrawal takes you overdrawn and charges may be incurred
• at HSBC ATM machines only, there will be no message on whether your balance includes your overdraft when you make a balance enquiry.

Alternatively you will be able to:

• view and print transactions and statements through Online Banking or the fd Mobile Banking App
• request details of recent transactions and postal statements via the Contact Centre on 03 456 100 100
• review details of overdraft through Online Banking or the fd Mobile Banking App

Temporary changes when at an HSBC branch

Although we don’t have any branches ourselves, you can always bank in person at any HSBC branch, or with our friends at the Post Office. When you use your Debit Mastercard to make a transaction at an HSBC branch, there are some temporary changes:

• you won’t be able to deposit cash into the self‑service machines
  
• you won’t be able to deposit a cheque into the cheque deposit machine by using your card to initiate the deposit – simply type in your account number and sort code instead.
  

Alternatively you will be able to:

• pay in cash or cheques over the counter at the branch. You can find details of branches here
  
• pay in cash or cheques at the Post Office. You can find details of branches here Opens an overlay [Will show a security message first]
• pay in cheques through the fd Mobile Banking App
• send cheques direct to fd

[Deleted User]

username said:

WillPS said:

Always interesting to see what kind of headaches these transitions cause. It appears HSBC ATMs and self-service machines won't be able to identify these as HSBC Group cards initially - so customers will only be able to access the same services that any LINK debit card customer can.

Interesting how keen they are to position this as an improvement and yet so unwilling to actually go in to any detail as to how it is. I'm not a customer of FD, but I think I'd prefer the truth if I was.

The implementation does seem very half-arsed and rushed.

As a client of theirs, having read that FAQ it doesn't inspire confidence - and the fact that they have listed the issues as "temporary" but with no time frame for resolution is concerning.

Ultimately a change of card scheme should not result in any loss of functionality to its clients, temporarily or otherwise.

It should be transparent (apart from the new card being sent). Everything should work as before, and if it doesn't, the rollout should be slowed down to allow for fixes to be bedded in so that everything does work as intended.

I've lifted the FAQ off the page in case it disappears.

Temporary changes when using an ATM

When you use your Debit Mastercard at an ATM:

• you won’t be able to access mini-statements
• at HSBC ATM machines only, you won’t be notified if a cash withdrawal takes you overdrawn and charges may be incurred
• at HSBC ATM machines only, there will be no message on whether your balance includes your overdraft when you make a balance enquiry.

Alternatively you will be able to:

• view and print transactions and statements through Online Banking or the fd Mobile Banking App
• request details of recent transactions and postal statements via the Contact Centre on 03 456 100 100
• review details of overdraft through Online Banking or the fd Mobile Banking App

Temporary changes when at an HSBC branch

Although we don’t have any branches ourselves, you can always bank in person at any HSBC branch, or with our friends at the Post Office. When you use your Debit Mastercard to make a transaction at an HSBC branch, there are some temporary changes:

• you won’t be able to deposit cash into the self‑service machines
  
• you won’t be able to deposit a cheque into the cheque deposit machine by using your card to initiate the deposit – simply type in your account number and sort code instead.
  

Alternatively you will be able to:

• pay in cash or cheques over the counter at the branch. You can find details of branches here
  
• pay in cash or cheques at the Post Office. You can find details of branches here Opens an overlay [Will show a security message first]
• pay in cheques through the fd Mobile Banking App
• send cheques direct to fd

Two wins in a year - no more M&S types in HSBC UK branches & now no more First Direct types in HSBC UK branches either.

I always thought it was strange that First Direct persuaded the regulator that HSBC branches weren't used by them for ratings purposes.

WillPS

Deleted User said:

Two wins in a year - no more M&S types in HSBC UK branches & now no more First Direct types in HSBC UK branches either.

I always thought it was strange that First Direct persuaded the regulator that HSBC branches weren't used by them for ratings purposes.

Not true. See the last set of bullet points you quoted. The only thing they can't do in branch is pay cash in at a machine; they can still pay in cash and cheques at a counter and pay in cheques at a cheque deposit machine (so long as they don't use their debit card to initiate the deposit).

jbrassy

Deleted User said:

username said:

WillPS said:

Always interesting to see what kind of headaches these transitions cause. It appears HSBC ATMs and self-service machines won't be able to identify these as HSBC Group cards initially - so customers will only be able to access the same services that any LINK debit card customer can.

Interesting how keen they are to position this as an improvement and yet so unwilling to actually go in to any detail as to how it is. I'm not a customer of FD, but I think I'd prefer the truth if I was.

The implementation does seem very half-arsed and rushed.

As a client of theirs, having read that FAQ it doesn't inspire confidence - and the fact that they have listed the issues as "temporary" but with no time frame for resolution is concerning.

Ultimately a change of card scheme should not result in any loss of functionality to its clients, temporarily or otherwise.

It should be transparent (apart from the new card being sent). Everything should work as before, and if it doesn't, the rollout should be slowed down to allow for fixes to be bedded in so that everything does work as intended.

I've lifted the FAQ off the page in case it disappears.

Temporary changes when using an ATM

When you use your Debit Mastercard at an ATM:

• you won’t be able to access mini-statements
• at HSBC ATM machines only, you won’t be notified if a cash withdrawal takes you overdrawn and charges may be incurred
• at HSBC ATM machines only, there will be no message on whether your balance includes your overdraft when you make a balance enquiry.

Alternatively you will be able to:

• view and print transactions and statements through Online Banking or the fd Mobile Banking App
• request details of recent transactions and postal statements via the Contact Centre on 03 456 100 100
• review details of overdraft through Online Banking or the fd Mobile Banking App

Temporary changes when at an HSBC branch

Although we don’t have any branches ourselves, you can always bank in person at any HSBC branch, or with our friends at the Post Office. When you use your Debit Mastercard to make a transaction at an HSBC branch, there are some temporary changes:

• you won’t be able to deposit cash into the self‑service machines
  
• you won’t be able to deposit a cheque into the cheque deposit machine by using your card to initiate the deposit – simply type in your account number and sort code instead.
  

Alternatively you will be able to:

• pay in cash or cheques over the counter at the branch. You can find details of branches here
  
• pay in cash or cheques at the Post Office. You can find details of branches here Opens an overlay [Will show a security message first]
• pay in cheques through the fd Mobile Banking App
• send cheques direct to fd

Two wins in a year - no more M&S types in HSBC UK branches & now no more First Direct types in HSBC UK branches either.

I always thought it was strange that First Direct persuaded the regulator that HSBC branches weren't used by them for ratings purposes.

I wouldn't gloat too much. The key word in First Direct's statement is "Temporary". This implies that, at some point in the future, First Direct customers will be able to make cash and cheque deposits using HSBC self-service machines. 

In any case, I only go into HSBC branches to make cash or cheque deposits every blue moon because I live in 2021, not 1991.