Are other banks as weird about card payments as Santander?

rhialwencomp

I'm so sick of having declined transactions (what on earth is the OTP system for if they're just going to decline without asking for one anyway?!).
I'm not doing anything weird or expensive, just buying a few bits from ebay like I do every bleeping day. And it declines, and then won't send the text to unblock, so I have to spend half an hour on the phone. Again. This is happening more and more frequently, and less and less logically. I'd say it goes off now at least twice a month in various permutations. It's really getting on my nerves. And you can't get angry with the people on the phone, cos it's not their fault, it's some code that's been programmed by a paranoid moron.
Anyway, is HSBC better? Or any recommendations for better banks, or possibly for how to stop triggering this blasted thing.

Lightning360

I've never had an issue with Santander.

etienneg

Why not use a credit card for payments, set up with a direct debit to pay the whole balance on each statement? DD payments will not get stopped like individual debit card payments sometimes do.

p00hsticks

etienneg said:

Why not use a credit card for payments, set up with a direct debit to pay the whole balance on each statement? DD payments will not get stopped like individual debit card payments sometimes do.

More to the point, as OP mentions the purchases are from ebay, why not Paypal ?

[Deleted User]

All banks do this now. The other month my RBS card got hacked and they stopped a few payments and saved my money. The system should learn what you like to buy and it tries to guess if the payments are legit. Were the things you are buying off Ebay massively different prices? Do you have the bank app?

TOP_CAT

You dont need to pay for ebay purchases via paypal anymore......
Using a credit card as suggested is likely the best way forward using paypal or not,
You could get a cashback card and benefit from half a percent cashback of all purchases.

charb87

buy bitcoin

colsten

charb87 said:

buy bitcoin

and get yourself a CIFAS marker

born_again

Deleted_User said:

All banks do this now. The other month my RBS card got hacked and they stopped a few payments and saved my money. The system should learn what you like to buy and it tries to guess if the payments are legit. Were the things you are buying off Ebay massively different prices? Do you have the bank app?

Fraud systems are not based on customer spending. They are based on known fraud patterns.

born_again

rhialwencomp said:

I'm so sick of having declined transactions (what on earth is the OTP system for if they're just going to decline without asking for one anyway?!).
I'm not doing anything weird or expensive, just buying a few bits from ebay like I do every bleeping day. And it declines, and then won't send the text to unblock, so I have to spend half an hour on the phone. Again. This is happening more and more frequently, and less and less logically. I'd say it goes off now at least twice a month in various permutations. It's really getting on my nerves. And you can't get angry with the people on the phone, cos it's not their fault, it's some code that's been programmed by a paranoid moron.
Anyway, is HSBC better? Or any recommendations for better banks, or possibly for how to stop triggering this blasted thing.

Do you not have the Santander app? As when I make a purchase & it's gone for a check you get a message to go to the app and confirm the payments.
So no OTP code.

EssexExile

I've never had a problem with Santander.