The inconvenience of Nationwide mobile banking

colsten

LobsterMemory said:

colsten said:

dahj said:

Nationwide has always let me pay existing payees without further card reader security.
They used to let you update the reference field too but now requires card reader authentication - not ideal but can live with it.

They have been asking me to confirm a payment to an existing payee with a card reader only last week. It's a silly an superfluous 'feature'.

They only do it every now and again though. It's maybe analogous to making you put in your PIN after 6 or 10 contactless transactions in a row.

Even making you use the card reader for the reference does have a bit of logic behind it in that in certain bank to bank transfers that is the destination account. Usually just pa PITA though

Exactly. PITA it is. There's no way I would have Nationwide as my main account as long as I could find myself stranded away from home and unable to make an urgent payment because I don't have the card and card reader with me. I don't think they've quite got this 'mobile', or the biometrics, concept in Nationwide.

colsten

Nationwide do something similar when you use their credit card with ApplePay. They randomly decline ApplePay transactions, and lock your card. You then have to spend the next hour or so responding to text messages, or (if you happen to remember a plethora of passcode and secret words etc) you need to make a pointless call to their CS to confirm it was you who used your own biometrics. I do still use the card as it's my best cashback card but I had to use my backup credit card numerous times.

They really should give up those quaint old-fashioned checks and properly move into the mobile world.

[Deleted User]

colsten said:

LobsterMemory said:

colsten said:

dahj said:

Nationwide has always let me pay existing payees without further card reader security.
They used to let you update the reference field too but now requires card reader authentication - not ideal but can live with it.

They have been asking me to confirm a payment to an existing payee with a card reader only last week. It's a silly an superfluous 'feature'.

They only do it every now and again though. It's maybe analogous to making you put in your PIN after 6 or 10 contactless transactions in a row.

Even making you use the card reader for the reference does have a bit of logic behind it in that in certain bank to bank transfers that is the destination account. Usually just pa PITA though

Exactly. PITA it is. There's no way I would have Nationwide as my main account as long as I could find myself stranded away from home and unable to make an urgent payment because I don't have the card and card reader with me. I don't think they've quite got this 'mobile', or the biometrics, concept in Nationwide.

They've always done random verification of existing payees on internet banking - hardly a big deal either.
You can always make the payment at one of their ATMs in a crunch.

[Deleted User]

colsten said:

@beemerk12s in addition to the ones already mentioned: Starling, Santander, Monzo, Lloyds, Bank of Scotland, RBS, Ulster

The LBG stable definitely also do random checks of payees and payments even after 2FA via text or phone.

colsten

dahj said:

colsten said:

LobsterMemory said:

colsten said:

dahj said:

Nationwide has always let me pay existing payees without further card reader security.
They used to let you update the reference field too but now requires card reader authentication - not ideal but can live with it.

They have been asking me to confirm a payment to an existing payee with a card reader only last week. It's a silly an superfluous 'feature'.

They only do it every now and again though. It's maybe analogous to making you put in your PIN after 6 or 10 contactless transactions in a row.

Even making you use the card reader for the reference does have a bit of logic behind it in that in certain bank to bank transfers that is the destination account. Usually just pa PITA though

Exactly. PITA it is. There's no way I would have Nationwide as my main account as long as I could find myself stranded away from home and unable to make an urgent payment because I don't have the card and card reader with me. I don't think they've quite got this 'mobile', or the biometrics, concept in Nationwide.

They've always done random verification of existing payees on internet banking - hardly a big deal either.
You can always make the payment at one of their ATMs in a crunch.

How am I going to operate an ATM when all I have with me are my iPhone, my AppleWatch and may be my iPad? All my cards live in my safe at home. And how would I make a payment at an ATM in Bulgaria (for instance)?

dahj said:

The LBG stable definitely also do random checks of payees and payments even after 2FA via text or phone.

No sweat. Those texts or calls would arrive on the phone / iPad I have with me. LBG banks have used automated mobile or landline authorisation calls for as long as I can remember. Nationwide, however, force a card reader on you. As do the Natwest Group banks to some extent.

gsmh

The Co-operative Bank doesn't require this extra layer of security to pay an existing payee.

Zellah

IMHO 2 massive disadvantages of Nationwide online banking:
1) If you don't have access to your card reader then you can't setup new or verify existing beneficiaries (if asked to do so) using another method eg phone banking or smartphone app. You're basically screwed if you're abroad and forget to take your NW card reader. Compare that to FirstDirect for example, where in the worst case scenario, you can call them and setup new payees that way. No chance of doing that with NW or some (or most?) other banks. 
2) Their desktop banking forces you to use your NW customer number (10 random digits) to login which you CANNOT change - nearly every other bank/BS I've come across allows you to choose your own login username. I'm well aware that most people will use their the NW app on their smartphone for everyday banking so login credentials are saved (except biometrics) but on the rare occasion you're forced  to login to their regular website (eg to do something you can't do via app) then you're screwed if you cannot remember your 10 digit customer number.

whitesmith

if you also use the app you can look up your customer number using the app, thus allowing you to then log onto desktop banking.

Some people (me included) may think the non-ability to set up a new payee without a card reader is a useful security feature.

[Deleted User]

colsten said:

dahj said:

colsten said:

LobsterMemory said:

colsten said:

dahj said:

Nationwide has always let me pay existing payees without further card reader security.
They used to let you update the reference field too but now requires card reader authentication - not ideal but can live with it.

They have been asking me to confirm a payment to an existing payee with a card reader only last week. It's a silly an superfluous 'feature'.

They only do it every now and again though. It's maybe analogous to making you put in your PIN after 6 or 10 contactless transactions in a row.

Even making you use the card reader for the reference does have a bit of logic behind it in that in certain bank to bank transfers that is the destination account. Usually just pa PITA though

Exactly. PITA it is. There's no way I would have Nationwide as my main account as long as I could find myself stranded away from home and unable to make an urgent payment because I don't have the card and card reader with me. I don't think they've quite got this 'mobile', or the biometrics, concept in Nationwide.

They've always done random verification of existing payees on internet banking - hardly a big deal either.
You can always make the payment at one of their ATMs in a crunch.

How am I going to operate an ATM when all I have with me are my iPhone, my AppleWatch and may be my iPad? All my cards live in my safe at home. And how would I make a payment at an ATM in Bulgaria (for instance)?

dahj said:

The LBG stable definitely also do random checks of payees and payments even after 2FA via text or phone.

No sweat. Those texts or calls would arrive on the phone / iPad I have with me. LBG banks have used automated mobile or landline authorisation calls for as long as I can remember. Nationwide, however, force a card reader on you. As do the Natwest Group banks to some extent.

There are always going to issues if you choose to leave your cards in a safe   
Overseas app usage is not-guaranteed either from any UK Bank - my Halifax app blocked in Morocco.
LBG are known to block payments (post the calls you describe) and require credit report info or F2F ID in a LGB branch.