Bank account access/ contactless

PRAISETHESUN

The only functional difference between a contactless and non-contactless cards is the ability to do contactless card payments at the checkout terminal. You can still do chip and PIN transactions (and actually get forced to do so from time to time even when using contactless as a security measure). It will allow exactly the same access (or lack thereof) to your other accounts as your old card - it certainly won't change how you can access your other bank accounts (savings, ISA, etc). You can still operate online, over the phone or in branch as usual.

If you're worried just about the ability for a lost/stolen card to be used, you can ask the bank to reduce your contactless limit to £0, effectively forcing it to act the same as a chip and PIN card. Alternatively, you can take a hole punch to one of the corners and physically destroy the antenna, which will achieve the same result.

pennyforthem

The only method I have to access my isa is the contactless debit card, I assume from the responses this is wrong?

The Mail newspaper article said the contactless could be switched off as in completely, however my bank at first said not at all, then when I said about the article changed to they could put a limit on it?

As for why I will not use a contactless card other than online purchases, well I suffer from technology dyslexia, if there is such a thing. I find technology very hard to use, and honestly I would happily live without it completely, it just does my head in. Adding online banking, contactless cards etc into my life is another level of knowledge I would need to be constantly on top of, and I should not have to live in a world where I am forced to open myself up even further to threats of fraud. I know my strengths and weaknesses, and I am very happy to stay in my lane. Online banking and contactless cards add nothing positive to my life at all, only negatives! If they fit in with who you are and your lifestyle, that's great for you, but it should not be at the detriment to others who are not like you!

TheBanker

pennyforthem said:

The only method I have to access my isa is the contactless debit card, I assume from the responses this is wrong?

The Mail newspaper article said the contactless could be switched off as in completely, however my bank at first said not at all, then when I said about the article changed to they could put a limit on it?

As for why I will not use a contactless card other than online purchases, well I suffer from technology dyslexia, if there is such a thing. I find technology very hard to use, and honestly I would happily live without it completely, it just does my head in. Adding online banking, contactless cards etc into my life is another level of knowledge I would need to be constantly on top of, and I should not have to live in a world where I am forced to open myself up even further to threats of fraud. I know my strengths and weaknesses, and I am very happy to stay in my lane. Online banking and contactless cards add nothing positive to my life at all, only negatives! If they fit in with who you are and your lifestyle, that's great for you, but it should not be at the detriment to others who are not like you!

The contactless debit card will not allow access to your ISA. It is linked to your current account. 

Most banks will allow you to switch off contactless through their mobile banking app. But there is no real need to switch it off - a contactless card still works like a 'normal' card - you can use it in Chip & PIN machines in shops, in ATMs with the PIN, and to make online purchases using the 16 digit card number. Contactless is just another way of paying for things in shops, paying for public transport etc which is more convenient for many people.

Who is your bank, who is the ISA with, and what exactly are you trying to do? Do you want to pay into the ISA or take money out of it?

sheramber

pennyforthem said:

The only method I have to access my isa is the contactless debit card, I assume from the responses this is wrong?

The Mail newspaper article said the contactless could be switched off as in completely, however my bank at first said not at all, then when I said about the article changed to they could put a limit on it?

As for why I will not use a contactless card other than online purchases, well I suffer from technology dyslexia, if there is such a thing. I find technology very hard to use, and honestly I would happily live without it completely, it just does my head in. Adding online banking, contactless cards etc into my life is another level of knowledge I would need to be constantly on top of, and I should not have to live in a world where I am forced to open myself up even further to threats of fraud. I know my strengths and weaknesses, and I am very happy to stay in my lane. Online banking and contactless cards add nothing positive to my life at all, only negatives! If they fit in with who you are and your lifestyle, that's great for you, but it should not be at the detriment to others who are not like you!

Ler's break it down.

You have a cyrrent account with a debit card  and an ISA

1  Where does your money in the current account come from?

2   How does it get there?  

3   How do you pay for things you buy?  Do you withdraw cash or do you pay by debit card

Do you want to put money  from your current account into your ISA?

If you answer these questions it  might help to understand your problem and help you.

lr1277

Don't always assume chip and pin will be availabe. At my local supermarket, one self-scan terminal just would not work with chip and pin, so I had to revert to using the same card but with contactless.This has been going on since before 2020 with my current card and my previous credit card.

This week a 2nd terminal did not accept my card for a chip and pin transaction even though I wiped the chip before use. In a big supermarket this may not be a problem however annoying for the customer. But in smaller stores with fewer terminal this may be a problem. But I suspect with a smaller store, the staff/management would be aware of the problem earlier. Still doesn't help you if you can't make the transaction at that moment.

Money_and_Travel

Barclays will give you a cash machine (aka ATM) card.

Rob5342

lr1277 said:

Don't always assume chip and pin will be availabe. At my local supermarket, one self-scan terminal just would not work with chip and pin, so I had to revert to using the same card but with contactless.This has been going on since before 2020 with my current card and my previous credit card.

Out of interest, why didn't you use contactless to start with? That would have been more secure (you have to enter the pin once you reach a certain contactless limit, so if you always use chip and pin anyone that finds your card will always have the full contactless limit available)

CouldntResist

Putting aside how the debit card is nothing to do with an ISA, I'm curious how holding a card to a contactless reader is any more difficult to someone with 'technology dyslexia' then having to insert a card into a reader and use a PIN? If you don't want to use a contactless card, don't use it contactless....

This sounds less like a technology issue than reading poorly written/researched articles in the press

lr1277

Rob5342 said:

lr1277 said:

Don't always assume chip and pin will be availabe. At my local supermarket, one self-scan terminal just would not work with chip and pin, so I had to revert to using the same card but with contactless.This has been going on since before 2020 with my current card and my previous credit card.

Out of interest, why didn't you use contactless to start with? That would have been more secure (you have to enter the pin once you reach a certain contactless limit, so if you always use chip and pin anyone that finds your card will always have the full contactless limit available)

A few times I have found the contactless doesn't work when I am in a hurry e.g. catching a train. So I need to insert the card and enter the PIN.

I also like to enter the PIN in retail outlets I trust and where nobody is looking over my shoulder (as far as I can tell).

So I use chip and pin as a preventative measure so I am not caught out when in a hurry or needing to use chip and pin where I feel less than safe/secure.

km1500

some banks allow you to turn off contactless on your debit card,  others don't but will allow you to order a non-contractless card (eg Nationwide) and other banks will only allow to have contactless

which bank is it?