Chase 1.5% Easy Access

sebtomato

Catplan said:

I had made numerous purchases, via Apple Pay, about 20-30 a month, since Nov 2021, it then declined until I popped the card in and entered my pin on a very small transaction as well, less than £10. Up until,that point I had not used the card, shop staff advised I need to verify with the card and pin.

I don't really understand this, makes no sense.

The card you have in Apple Pay or Google Pay is a virtual card, with different numbers from your physical card. How using the physical card would unblock the virtual card? How can you be asked by a shop to verify an Apple Pay transaction with chip and pin???

Maybe the transaction was denied in Apple Pay, and you were advised to try a physical card instead, but that's different.

I used to have some transactions denied in Google Pay, because I was not unlocking my phone first.

I have used Starling and First Direct virtual cards in Google Pay for years, and never used the physical cards. I have used my new Chase virtual card in Google Pay well before receiving the physical card.

Bigwheels1111

I have multiple card in Google pay, Nationwide, First Direct, TSB, Chase, Starling, MBNA.
I once had an issue and that was MBNA payment declined.
Tried card and pin, then on Google pay again and still would not work.
In the end I had to delete the card and then add it again and all was fine.

masonic

Catplan said:

sebtomato said:

Catplan said:

sebtomato said:

Bigwheels1111 said:

I opened my account and it took 16 hours, they had just got 5000 new account requests.
Money from FD account took time and fraud check.
Savings account set up easy, payment set up easy and payments arrived in other account in 10 seconds.
I like how it set up card on Google pay, Amazon and Bymiles for car insurance.
Set up and confirmed via app was easy.
Will try with phone on next payment 

Strange. I open my account on Wednesday, took about 5 min for the ID to be checked. Transferred money from FD right away: took several screens to confirm, as account name couldn't be checked by FD. However, transaction went through right away.

I have transferred again since from FD to Chase, as since the payee is saved now, no additional screens to go through.

I have received the physical card today in a nice envelop. Card looks nice and is indeed numberless, but probably will never actually use, as I make all payments with my phone and never use cash (at least when in the UK).

You may find you will need the card, I was paying using it via apple pay it was being rejected, popped card in machine and entered pin all good again.

No, I don't need the card. Made several payments with Google Pay soon after opening the account, and they all worked fine.

That's why they load the virtual card strait away on your phone, as opposed to having to wait for the physical card.

I haven't used physical cards for payments for years now, I don't even carry them with me. Making all payments with my Samsung phone, and my Garmin watch is my backup.

I had made numerous purchases, via Apple Pay, about 20-30 a month, since Nov 2021, it then declined until I popped the card in and entered my pin on a very small transaction as well, less than £10. Up until,that point I had not used the card, shop staff advised I need to verify with the card and pin.

And they would have been correct if you were trying to use the contactless chip on your physical card to make the payment.

HandD

I'm a bit confused about the 1% cashback on debit card spend. The list of exclusions is fairly extensive to the point where I thought it may be easier to list what is included. Is anyone able to clarify what that list of inclusions might look like and where the benifits lie for the average current account user?

razord

Just to say, I used my physical card for the first time this morning - contactless - and it was approved just fine (In Sainsbury's!)

I have used Apple Pay before though, so not sure if that also "activates" the contactless side of the physical card too.

beefturnmail

I’ve opened the current account but how do you actually open the 1.5% savings account.  If I click ‘add+’ I get to add an account and name it whatever I want but there is no mention of the 1.5%.

janusdesign

beefturnmail said:

I’ve opened the current account but how do you actually open the 1.5% savings account.  If I click ‘add+’ I get to add an account and name it whatever I want but there is no mention of the 1.5%.

you'll need to update the app - once updated, the savings account option will be available.

beefturnmail

Thanks, done now.  Any idea how to close all these other accounts I’ve created and don’t need?  Not used to app based banking…

k_man

Click on the account you want to close from the accounts list (or choose See account from the 3 dot menu next to the account)

Then from the screen that opens showing activity for that account, 3 dots (top right), then choose Close account from the menu that appears.

sebtomato

HandD said:

I'm a bit confused about the 1% cashback on debit card spend. The list of exclusions is fairly extensive to the point where I thought it may be easier to list what is included. Is anyone able to clarify what that list of inclusions might look like and where the benifits lie for the average current account user?

I guess it's mainly:

• Purchases in shops (physical goods), e.g. grocery shopping
• Purchases online (physical goods or subscriptions), e.g. Amazon, Netflix, Spotify
• Holidays/travel e.g. hotels, flights, public transports
• Food and drinks, restaurants and pubs
• Gym membership
• Car fuel or cleaning
• Water and gas/electricity bills

But of course, when it comes to items you could spread payments for and pay by Direct Debit (like utility bills), you might be better off keep your money on the 1.5% savings account instead.