RBS debit card payment

Descrabled

I am in the habit of making £1.01 payments to the utility company using stored NatWest and RBS debit cards. I made such a payment this morning with my RBS card but inadvertently used my NatWest CVV number, realised just after I pressed "pay". After confirmation in the app the payment went through anyway.

Another success for the rigorous anti fraud measures of banks?  

Band7

I dare you to complain to RBS why they let you do those unauthorised £1.01 payments 🤣

RG2015

Descrabled said:

I am in the habit of making £1.01 payments to the utility company using stored NatWest and RBS debit cards. I made such a payment this morning with my RBS card but inadvertently used my NatWest CVV number, realised just after I pressed "pay". After confirmation in the app the payment went through anyway.

Another success for the rigorous anti fraud measures of banks?  

Is the £1.01 relevant, or is the amount a red herring?

Try repeating the use of the incorrect cvv, preferably with a slightly larger sum, to see if the payment goes through.

username

I suspect it is perhaps the bank treating the app authentication as the transaction being successfully verified.

I would have thought it would have required that, and the details supplied to be in order.

Descrabled

I have many debit cards but only 5 are normally in use, 3 off Halifax, 1 NatWest, and 1 RBS, for obvious reasons. Interestingly 1 Halifax card, the NatWest card, and my most used credit card all have the same cvv. So that explains the reason for my input of the wrong 3 digits.

I also find that I sometimes have "fat finger" problems using the apps on my phone. Usually if I make an error with the cvv the payments to credit cards and savings accounts are swiftly declined at the source app. I do not remember any £1.01 payment in the utility company's app  ever being declined. I only ever pay that utility company with £1.01 payments (about a hundred of them in the last month) and so I suspect it has happened before without me noticing.

Am I concerned? No. If anyone pays my gas bill in error am I worried? No.

I have a spreadsheet to follow exactly the movement of £1.01s out of my RBS/NatWest current accounts and the accompanying double round ups so that I can keep the minimum balance possible. The same spreadsheet keeps track of the £1.01 credits to 6 credit cards and 2 utility companies. I will, of course, stop these payments when the relevant digital saver nears £5k.

RG 2015: The £1.01 payment is not significant for the debit card payment to be approved with the wrong cvv.  It is relevant to the maximum double round up of £1.98 from RBS. I will not be trying any larger payment.  I am not concerned about the error that is probably the utility company's error.

Band7

Descrabled said:

I have many debit cards but only 5 are normally in use, 3 off Halifax, 1 NatWest, and 1 RBS, for obvious reasons. Interestingly 1 Halifax card, the NatWest card, and my most used credit card all have the same cvv. 

How did you manage to have the same CVV on most of your cards?

Descrabled

Band7: The bank select the cvv in a random fashion. The possibility that two of your cvv are the same is quite small if you have a lot of debit/credit cards. Teachers regularly report that in a  class two pupils have the same birthday. It's just chance.

eskbanker

Descrabled said:

Band7: The bank select the cvv in a random fashion. The possibility that two of your cvv are the same is quite small if you have a lot of debit/credit cards. Teachers regularly report that in a  class two pupils have the same birthday. It's just chance.

I think the odds will be quite different though - there only need to be 23 pupils in a class before the odds of two sharing a birthday exceed 50%, but with a range of 999 options for CVVs (instead of 366 birthdays), it would take a pretty sizable* collection of cards for it to be likely to have two the same.  However, it obviously does happen!

* edit: 38 by my reckoning!

Band7

I have just gone through my 59 debit and credit cards - not one CVV is the same on two or more cards.

Seems I am extraordinarily unlucky, whilst the OP is extraordinary lucky (that's if luck comes into it)

Descrabled

Wow Band7 you have more cards than me. I have been reducing the number of my accounts recently. My tally just exceeds eskbankers` figure.

Can I query eskbankers on his calculation

There are exactly 1000 three digit numbers between “000“ and “999“.

I have never had a cvv with the same three digits (007 but not 777). Do Visa et al omit some 3 digit numbers from being used?

RG2015

Descrabled said:

Wow Band7 you have more cards than me. I have been reducing the number of my accounts recently. My tally just exceeds eskbankers` figure.

Can I query eskbankers on his calculation

There are exactly 1000 three digit numbers between “000“ and “999“.

I have never had a cvv with the same three digits (007 but not 777). Do Visa et al omit some 3 digit numbers from being used?

000 is not a valid 3 digit number so 999 is correct.