£100 Ulster Bank NI switch offer - ends 19 November 2020

crumpet_man

You can use the app without card reader but I think payment is limited to £1000 a day.

colsten

ischris85 said:

Just to point to others, I setup up a £1 payment from my main account to Ulster (in test of the £1,500) and back again. When setting up the payee on Ulster, it took me all the way up to the last step before saying I need to order a card reader despite the fact I have a compatible one already

You should have been able to avoid this by registering a card reader (any card reader) beforehand. That worked for me - I am happily using my Nationwide one, also for RBS and Natwest. Although others have said they were not able to register a card reader unless it was from the respective bank.



kinger101 said:

colsten said:

kinger101 said:

colsten said:

kinger101 said:

I'd not touch Ulster Bank.  I had what was supposed to be an instant access savings account with them, in which I had money for a house deposit.  Unfortunately, when I came to withdraw the money (for a house purchase), they told me I needed an electronic secure key generation card to do this, which they'd not bothered to send me when I opened the account.  This took over a week for them to send.  Luckily, I had access to other capital, otherwise I would have needed to visit a branch to get access to my cash.  Which would have meant a trip to Northern Ireland.

They were completely unapologetic  about the fact they'd potentially put me in situation where I would have failed to complete.

They were completely right to be unapologetic. It is down to the account holder to ensure that they are satisfied that they can withdraw their money. The ‘hurdles’ at Ulster are completely reasonable, and in our interests, as they ensure that fraudsters can’t withdraw our funds.

As far as the Ulster current account is concerned, as soon as you have your debit card, PIN and online/app access, you can withdraw your funds by Faster Payment, at ATMs, or debit card purchases. Just like any other current account.

As an aside, I also had (and still have) an Ulster Bank savings account. I made several withdrawals from it by Faster Payment. Never once had a problem with it.

you'll not find one this side of the Irish Sea.

This is, of course, true. Luckily though, they are part of the Natwest Group, and matters like proof of ID can be handled via a Natwest or RBS Branch. I know this for a fact because for some unknown reason, my Ulster account had me down as a Dutch national, which I never was and never will be, and to have it corrected, they wanted to see me with my original passport in Branch. I sorted it all with a visit to an RBS branch.

I did enquire about this at the time, and they told me I could not withdraw cash from an RBS or Natwest branch.  

If you need to withdraw cash over the counter, you wouldn't choose a bank with the nearest branch a few hundred miles from where you live. Although, if for some reason you can't use an ATM, you could use the Post Office Banking Services for modest amounts of over-the-counter cash withdrawals from your Ulster Bank current account.

ischris85

colsten said:

ischris85 said:

Just to point to others, I setup up a £1 payment from my main account to Ulster (in test of the £1,500) and back again. When setting up the payee on Ulster, it took me all the way up to the last step before saying I need to order a card reader despite the fact I have a compatible one already

You should have been able to avoid this by registering a card reader (any card reader) beforehand. That worked for me - I am happily using my Nationwide one, also for RBS and Natwest. Although others have said they were not able to register a card reader unless it was from the respective bank.

Now a card reader has been ordered, I note the option to enable a card reader has appeared in security. However, when clicking this it says not available at the moment (so I assume if I give this a few days I should be able to). Though interestingly, I didnt need to enable the card reader for RBS, I could just use my Nationwide card reader without issue.

WBCPB

ischris85 said:

colsten said:

ischris85 said:

Just to point to others, I setup up a £1 payment from my main account to Ulster (in test of the £1,500) and back again. When setting up the payee on Ulster, it took me all the way up to the last step before saying I need to order a card reader despite the fact I have a compatible one already

You should have been able to avoid this by registering a card reader (any card reader) beforehand. That worked for me - I am happily using my Nationwide one, also for RBS and Natwest. Although others have said they were not able to register a card reader unless it was from the respective bank.

Now a card reader has been ordered, I note the option to enable a card reader has appeared in security. However, when clicking this it says not available at the moment (so I assume if I give this a few days I should be able to). Though interestingly, I didnt need to enable the card reader for RBS, I could just use my Nationwide card reader without issue.

With Natwest i had to wait approx. 3-4 days after enabling through online banking before ANY type of card reader would work, this was also confirmed by a telephone  conversation with C.S 
Regards

Tragen

gsmh said:

In my life if I feel something is wrong then it's wrong, regardless of whether the other party does it or not. I was brought up with 'two wrongs don't make a right'. If a bank is unethical I don't bank with them. Simple.

So, you don't bank with high street bank then?

gsmh

Tragen said:

gsmh said:

In my life if I feel something is wrong then it's wrong, regardless of whether the other party does it or not. I was brought up with 'two wrongs don't make a right'. If a bank is unethical I don't bank with them. Simple.

So, you don't bank with high street bank then?

I bank with the Co-operative Bank and as I've said before, ethical banking is inevitably a compromise since no bank is 100% ethical.

Tragen

gsmh said:

Tragen said:

gsmh said:

In my life if I feel something is wrong then it's wrong, regardless of whether the other party does it or not. I was brought up with 'two wrongs don't make a right'. If a bank is unethical I don't bank with them. Simple.

So, you don't bank with high street bank then?

I bank with the Co-operative Bank and as I've said before, ethical banking is inevitably a compromise since no bank is 100% ethical.

not so "simple" then 

granta

How bizarre! I have received a text saying my card and PIN will arrive in 5 days, and another saying my switch will complete in early October.
This is despite receiving a text at the weekend asking me to send paper ID within 28 days 'or my application will be closed.' Curioser and curioser.

kinger101

colsten said:

ischris85 said:

Just to point to others, I setup up a £1 payment from my main account to Ulster (in test of the £1,500) and back again. When setting up the payee on Ulster, it took me all the way up to the last step before saying I need to order a card reader despite the fact I have a compatible one already

You should have been able to avoid this by registering a card reader (any card reader) beforehand. That worked for me - I am happily using my Nationwide one, also for RBS and Natwest. Although others have said they were not able to register a card reader unless it was from the respective bank.



kinger101 said:

colsten said:

kinger101 said:

colsten said:

kinger101 said:

I'd not touch Ulster Bank.  I had what was supposed to be an instant access savings account with them, in which I had money for a house deposit.  Unfortunately, when I came to withdraw the money (for a house purchase), they told me I needed an electronic secure key generation card to do this, which they'd not bothered to send me when I opened the account.  This took over a week for them to send.  Luckily, I had access to other capital, otherwise I would have needed to visit a branch to get access to my cash.  Which would have meant a trip to Northern Ireland.

They were completely unapologetic  about the fact they'd potentially put me in situation where I would have failed to complete.

They were completely right to be unapologetic. It is down to the account holder to ensure that they are satisfied that they can withdraw their money. The ‘hurdles’ at Ulster are completely reasonable, and in our interests, as they ensure that fraudsters can’t withdraw our funds.

As far as the Ulster current account is concerned, as soon as you have your debit card, PIN and online/app access, you can withdraw your funds by Faster Payment, at ATMs, or debit card purchases. Just like any other current account.

As an aside, I also had (and still have) an Ulster Bank savings account. I made several withdrawals from it by Faster Payment. Never once had a problem with it.

you'll not find one this side of the Irish Sea.

This is, of course, true. Luckily though, they are part of the Natwest Group, and matters like proof of ID can be handled via a Natwest or RBS Branch. I know this for a fact because for some unknown reason, my Ulster account had me down as a Dutch national, which I never was and never will be, and to have it corrected, they wanted to see me with my original passport in Branch. I sorted it all with a visit to an RBS branch.

I did enquire about this at the time, and they told me I could not withdraw cash from an RBS or Natwest branch.  

If you need to withdraw cash over the counter, you wouldn't choose a bank with the nearest branch a few hundred miles from where you live. Although, if for some reason you can't use an ATM, you could use the Post Office Banking Services for modest amounts of over-the-counter cash withdrawals from your Ulster Bank current account.

I only wanted to withdraw cash from a branch because they neglected to send me the secure card I needed when I opened the account.  I know you think that's my fault, but every other bank in the I've ever dealt think providing the customer with everthing they need to access to their account is their problem.  As for Post Office, one cannot withdraw five-figure sums needed for house deposits there.  Which was my original complaint.

colsten

kinger101 said:

colsten said:

ischris85 said:

Just to point to others, I setup up a £1 payment from my main account to Ulster (in test of the £1,500) and back again. When setting up the payee on Ulster, it took me all the way up to the last step before saying I need to order a card reader despite the fact I have a compatible one already

You should have been able to avoid this by registering a card reader (any card reader) beforehand. That worked for me - I am happily using my Nationwide one, also for RBS and Natwest. Although others have said they were not able to register a card reader unless it was from the respective bank.



kinger101 said:

colsten said:

kinger101 said:

colsten said:

kinger101 said:

I'd not touch Ulster Bank.  I had what was supposed to be an instant access savings account with them, in which I had money for a house deposit.  Unfortunately, when I came to withdraw the money (for a house purchase), they told me I needed an electronic secure key generation card to do this, which they'd not bothered to send me when I opened the account.  This took over a week for them to send.  Luckily, I had access to other capital, otherwise I would have needed to visit a branch to get access to my cash.  Which would have meant a trip to Northern Ireland.

They were completely unapologetic  about the fact they'd potentially put me in situation where I would have failed to complete.

They were completely right to be unapologetic. It is down to the account holder to ensure that they are satisfied that they can withdraw their money. The ‘hurdles’ at Ulster are completely reasonable, and in our interests, as they ensure that fraudsters can’t withdraw our funds.

As far as the Ulster current account is concerned, as soon as you have your debit card, PIN and online/app access, you can withdraw your funds by Faster Payment, at ATMs, or debit card purchases. Just like any other current account.

As an aside, I also had (and still have) an Ulster Bank savings account. I made several withdrawals from it by Faster Payment. Never once had a problem with it.

you'll not find one this side of the Irish Sea.

This is, of course, true. Luckily though, they are part of the Natwest Group, and matters like proof of ID can be handled via a Natwest or RBS Branch. I know this for a fact because for some unknown reason, my Ulster account had me down as a Dutch national, which I never was and never will be, and to have it corrected, they wanted to see me with my original passport in Branch. I sorted it all with a visit to an RBS branch.

I did enquire about this at the time, and they told me I could not withdraw cash from an RBS or Natwest branch.  

If you need to withdraw cash over the counter, you wouldn't choose a bank with the nearest branch a few hundred miles from where you live. Although, if for some reason you can't use an ATM, you could use the Post Office Banking Services for modest amounts of over-the-counter cash withdrawals from your Ulster Bank current account.

I only wanted to withdraw cash from a branch because they neglected to send me the secure card I needed when I opened the account.  I know you think that's my fault, but every other bank in the I've ever dealt think providing the customer with everthing they need to access to their account is their problem.  As for Post Office, one cannot withdraw five-figure sums needed for house deposits there.  Which was my original complaint.

Yep, it all goes back to you not making sure that you could withdraw your funds. Even if Ulster had sent you everything you needed (who knows, may be they did? They sent mine to me w/o me chasing it) well in time, they cannot be held responsible for you actually receiving everything, or for you being able to use the tools/procedures.