Chase 1.5% Easy Access

ColdIron

I'm a fool, it's below All Activity and Spending

Catplan

masonic said:

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.

Which I wasn’t, I was trying to use Apple Pay. I thought the same, ignored them tried Apple Pay twice,same result declined, until I used card and pin.

Catplan

sebtomato said:

PCatplan 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.

I’d used via Apple Pay as well before receiving the physical card, it made no sense to me either at the time. 

Daliah

Catplan said:

masonic said:

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.

Which I wasn’t, I was trying to use Apple Pay. I thought the same, ignored them tried Apple Pay twice,same result declined, until I used card and pin.

This has not happened to me in months of using the Chase card extensively with Applepay, either directly or indirectly (via Curve).

It did, however, sort of, happen with my FairFx card, which is a pre-paid Mastercard debit card which insisted on a Chip & PIN transaction after every 5 ApplePay purchases. The only way I could use the card again was after I had made a Chip & PIN purchase. I got rid of that card quite swiftly.

kuepper

masonic said:

kuepper said:

I added a savings account as soon as my current a/c was opened but how do I know which is which?

The one that says 1.5% AER and the piggy bank icon is the savings account. The current account doesn't pay interest.

Aagh I see what's happened, I must have opened a 2nd current a/c, it said' just tap Add+ to open a saver a/c' so I tapped and must have inadvertently touched the top icon which I now see is for a current a/c. Surprised it was so easy to open a 2nd current a/c though

masonic

kuepper said:

masonic said:

kuepper said:

I added a savings account as soon as my current a/c was opened but how do I know which is which?

The one that says 1.5% AER and the piggy bank icon is the savings account. The current account doesn't pay interest.

Aagh I see what's happened, I must have opened a 2nd current a/c, it said' just tap Add+ to open a saver a/c' so I tapped and must have inadvertently touched the top icon which I now see is for a current a/c. Surprised it was so easy to open a 2nd current a/c though

Easier than it will be to close it, I suspect. Hopefully if you message them and tell them you opened the wrong type of account in error they can deal with it for you.

Daliah

masonic said:

kuepper said:

masonic said:

kuepper said:

I added a savings account as soon as my current a/c was opened but how do I know which is which?

The one that says 1.5% AER and the piggy bank icon is the savings account. The current account doesn't pay interest.

Aagh I see what's happened, I must have opened a 2nd current a/c, it said' just tap Add+ to open a saver a/c' so I tapped and must have inadvertently touched the top icon which I now see is for a current a/c. Surprised it was so easy to open a 2nd current a/c though

Easier than it will be to close it, I suspect. Hopefully if you message them and tell them you opened the wrong type of account in error they can deal with it for you.

Chase accounts appear to be quite easy to close. When you are in an account, just click on the 3 dots in the top right hand corner, and yout get an option to close it. On the main current account, it says “close account and leave Chase”. 

masonic

Daliah said:

masonic said:

kuepper said:

masonic said:

kuepper said:

I added a savings account as soon as my current a/c was opened but how do I know which is which?

The one that says 1.5% AER and the piggy bank icon is the savings account. The current account doesn't pay interest.

Aagh I see what's happened, I must have opened a 2nd current a/c, it said' just tap Add+ to open a saver a/c' so I tapped and must have inadvertently touched the top icon which I now see is for a current a/c. Surprised it was so easy to open a 2nd current a/c though

Easier than it will be to close it, I suspect. Hopefully if you message them and tell them you opened the wrong type of account in error they can deal with it for you.

Chase accounts appear to be quite easy to close. When you are in an account, just click on the 3 dots in the top right hand corner, and yout get an option to close it. On the main current account, it says “close account and leave Chase”. 

Yes I did notice that on the main current account, but the "and leave Chase" is a bit ominous if you are just closing one of your accounts. Perhaps a second current account doesn't have this, since it is a requirement to have the first one, but not any other current accounts. I hadn't noticed the close option for the other accounts, so good to know it's there for future reference.

Daliah

masonic said:

Daliah said:

masonic said:

kuepper said:

masonic said:

kuepper said:

I added a savings account as soon as my current a/c was opened but how do I know which is which?

The one that says 1.5% AER and the piggy bank icon is the savings account. The current account doesn't pay interest.

Aagh I see what's happened, I must have opened a 2nd current a/c, it said' just tap Add+ to open a saver a/c' so I tapped and must have inadvertently touched the top icon which I now see is for a current a/c. Surprised it was so easy to open a 2nd current a/c though

Easier than it will be to close it, I suspect. Hopefully if you message them and tell them you opened the wrong type of account in error they can deal with it for you.

Chase accounts appear to be quite easy to close. When you are in an account, just click on the 3 dots in the top right hand corner, and yout get an option to close it. On the main current account, it says “close account and leave Chase”. 

Yes I did notice that on the main current account, but the "and leave Chase" is a bit ominous if you are just closing one of your accounts. Perhaps a second current account doesn't have this, since it is a requirement to have the first one, but not any other current accounts. I hadn't noticed the close option for the other accounts, so good to know it's there for future reference.

Other accounts just say “close”

It’s only the main account that says “….and leave”

sebtomato

refluxer said:

Is the bank card sent out automatically or is it something you'd have to request ? I opened my account on Monday last week and haven't received a card yet.

I received the card in about 4 days, but maybe last week was very busy with new accounts created.