Chase UK discussion

Daliah

anotheruser said:

Do ChaseUK have a banking license?

You could check the FCA Register for a definitive answer.

anotheruser said:

Because I wouldn't call them a bank 

You may not be aware, but your opinion does not matter any more than iWeb's opinion as to who can call themselves a UK Bank.

anotheruser said:

- no direct debits (for starters!) - who doesn't use them these days?!

Totally agree, it's rather bizarre not to offer DDs on a current account but they keep saying they will do them "soon"

anotheruser

OceanSound said:

Daliah said:

Deleted User said:

Chase UK is a registered bank at Companies House and with the Prudential Regulation Authority. The debit card is defined as UK issued card by Mastercard. I'm not sure where 'iWeb' s view' comes into it. It's poor administration by iWeb - plain & simple. 

Of course iWeb is totally in the wrong, which is why I will take the matter to the FOS.

wonder if you  can  link Curve card with iWeb. If so, link chase card with Curve then link Curve card with iWeb. Just an idea. Please don't shoot the messenger

What a complicated system... just to use Chase.
Just use another card with the iWeb thing.
Or risk having some extra hand in there and adding to something going wrong.

Daliah

anotheruser said:

OceanSound said:

Daliah said:

Deleted User said:

Chase UK is a registered bank at Companies House and with the Prudential Regulation Authority. The debit card is defined as UK issued card by Mastercard. I'm not sure where 'iWeb' s view' comes into it. It's poor administration by iWeb - plain & simple. 

Of course iWeb is totally in the wrong, which is why I will take the matter to the FOS.

wonder if you  can  link Curve card with iWeb. If so, link chase card with Curve then link Curve card with iWeb. Just an idea. Please don't shoot the messenger

What a complicated system... just to use Chase.
Just use another card with the iWeb thing.
Or risk having some extra hand in there and adding to something going wrong.

Curve isn't complicated as such. It's actually a marvellous idea and tool, and I use it all the time for just about all my purchases, mainly so I can use its "go back in time" feature if I want to, but also because all I have to remember is one CVV code, and I only have to register one card with things like ApplePay and GooglePay, yet have any number of debit and credit cards linked to it. 

Sadly, as I have said earlier, Curve cannot be used with iWeb, either. And of course, Curve is probably meaningless for people who don't have multiple debit and credit cards.

gt94sss2

Daliah said:

My argument is that iWeb are preventing people from switching their current account to Chase UK.

I'm not sure your argument would really work as iWeb  are free to choose which cards to accept.

I suspect that the reason is probably that Chase UK cards appear as belonging to Westpac Bank Australia in many BIN tables not as a UK card range.

I would be more disappointed at Chase UK not being more proactive in contacting iWeb to resolve the issue instead.

Daliah

gt94sss2 said

I would be more disappointed at Chase UK not being more proactive in contacting iWeb to resolve the issue instead.

The Chase CS operative was absolutely clueless, even after consulting with his manager. He seriously tried to give me some spiel about Chase being the oldest bank in America. Then moved on to say that the Chase card can be used everywhere Mastercard is accepted. He had no idea who iWeb are, and certainly was not interested in helping me. Perhaps I should raise a complaint with Chase, too.

Timbosaurus

Daliah said:

gt94sss2 said

I would be more disappointed at Chase UK not being more proactive in contacting iWeb to resolve the issue instead.

The Chase CS operative was absolutely clueless, even after consulting with his manager. He seriously tried to give me some spiel about Chase being the oldest bank in America. Then moved on to say that the Chase card can be used everywhere Mastercard is accepted. He had no idea who iWeb are, and certainly was not interested in helping me. Perhaps I should raise a complaint with Chase, too.

It's worth noting that Chase don't actually control or own their bank-end systems, it has all been outsourced from a firm called '10x Banking', they provide them with cloud-based services in compliance with all the various regs and standards, and a white-label app for them to slap their branding on.  If you look on 10x's website you'll see how little they've actually done to customise it.  Whilst their customer support people have the admin powers to deal with waylaid transactions etc. they have effectively zero control over the actual back-end technical functioning of their bank.

Daliah

Timbosaurus said:

Daliah said:

gt94sss2 said

I would be more disappointed at Chase UK not being more proactive in contacting iWeb to resolve the issue instead.

The Chase CS operative was absolutely clueless, even after consulting with his manager. He seriously tried to give me some spiel about Chase being the oldest bank in America. Then moved on to say that the Chase card can be used everywhere Mastercard is accepted. He had no idea who iWeb are, and certainly was not interested in helping me. Perhaps I should raise a complaint with Chase, too.

It's worth noting that Chase don't actually control or own their bank-end systems, it has all been outsourced from a firm called '10x Banking', they provide them with cloud-based services in compliance with all the various regs and standards, and a white-label app for them to slap their branding on.  If you look on 10x's website you'll see how little they've actually done to customise it.  Whilst their customer support people have the admin powers to deal with waylaid transactions etc. they have effectively zero control over the actual back-end technical functioning of their bank.

It's not a technical issue at the Chase end.

It doesn't even appear to be a technical issue at the iWeb end, as I could register both, my Chase UK card and account. iWeb even took a £1 verification payment off my Chase account (am still waiting for them to credit it again). The rejection happened a few days later in some back office, where a penpusher determined it was not a UK Bank and slammed a block on my iWeb account.

anotheruser

Daliah said:

anotheruser said:

OceanSound said:

Daliah said:

Deleted User said:

Chase UK is a registered bank at Companies House and with the Prudential Regulation Authority. The debit card is defined as UK issued card by Mastercard. I'm not sure where 'iWeb' s view' comes into it. It's poor administration by iWeb - plain & simple. 

Of course iWeb is totally in the wrong, which is why I will take the matter to the FOS.

wonder if you  can  link Curve card with iWeb. If so, link chase card with Curve then link Curve card with iWeb. Just an idea. Please don't shoot the messenger

What a complicated system... just to use Chase.
Just use another card with the iWeb thing.
Or risk having some extra hand in there and adding to something going wrong.

Curve isn't complicated as such. It's actually a marvellous idea and tool, and I use it all the time for just about all my purchases, mainly so I can use its "go back in time" feature if I want to, but also because all I have to remember is one CVV code, and I only have to register one card with things like ApplePay and GooglePay, yet have any number of debit and credit cards linked to it. 

Sadly, as I have said earlier, Curve cannot be used with iWeb, either. And of course, Curve is probably meaningless for people who don't have multiple debit and credit cards.

I've taken a look at Curve.
I see it as extra admin for no reason.
If I want to spend on that card, I select it in Google Pay or from my wallet.
If I want to spend on another card, I choose that one.
I can't think of any situation where I would need to spend on one card and later, move it to another card - even if it nets me a tiny amount of "points" - doesn't seem like good use of my time.  I understand others will see it as a good use of their time.

anotheruser

Daliah said:

The rejection happened a few days later in some back office, where a penpusher determined it was not a UK Bank

Define "UK Bank".
Without some basic tools that are used by (I would think) nearly everyone who has a bank account, I'm not sure it qualifies.
Is it protected by the FCS?  Is it registered on the UK Banking Register?

Daliah

anotheruser said:

Daliah said:

anotheruser said:

OceanSound said:

Daliah said:

Deleted User said:

Chase UK is a registered bank at Companies House and with the Prudential Regulation Authority. The debit card is defined as UK issued card by Mastercard. I'm not sure where 'iWeb' s view' comes into it. It's poor administration by iWeb - plain & simple. 

Of course iWeb is totally in the wrong, which is why I will take the matter to the FOS.

wonder if you  can  link Curve card with iWeb. If so, link chase card with Curve then link Curve card with iWeb. Just an idea. Please don't shoot the messenger

What a complicated system... just to use Chase.
Just use another card with the iWeb thing.
Or risk having some extra hand in there and adding to something going wrong.

Curve isn't complicated as such. It's actually a marvellous idea and tool, and I use it all the time for just about all my purchases, mainly so I can use its "go back in time" feature if I want to, but also because all I have to remember is one CVV code, and I only have to register one card with things like ApplePay and GooglePay, yet have any number of debit and credit cards linked to it. 

Sadly, as I have said earlier, Curve cannot be used with iWeb, either. And of course, Curve is probably meaningless for people who don't have multiple debit and credit cards.

I've taken a look at Curve.
I see it as extra admin for no reason.
If I want to spend on that card, I select it in Google Pay or from my wallet.
If I want to spend on another card, I choose that one.
I can't think of any situation where I would need to spend on one card and later, move it to another card - even if it nets me a tiny amount of "points" - doesn't seem like good use of my time.  I understand others will see it as a good use of their time.

As I said above: And of course, Curve is probably meaningless for people who don't have multiple debit and credit cards. By 'multiple', I don't mean just half a dozen.

Some people, e.g. very frequent travellers, even benefit from Curve Metal, though that doesn't include me.