Bank account access/ contactless

Rob5342

lr1277 said:

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.

So you use chip and pin in areas you feel safe in to avoid having to use chip and pin in areas where you feel less safe and would prefer to use contactless? If that's the case then I'm confused, why do you not want the contactless facility, as that you'd have to use chip.im pin in l as safe areas then,and what does any of this have to do with your ISA?

sheramber

Rob5342 said:

lr1277 said:

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.

So you use chip and pin in areas you feel safe in to avoid having to use chip and pin in areas where you feel less safe and would prefer to use contactless? If that's the case then I'm confused, why do you not want the contactless facility, as that you'd have to use chip.im pin in l as safe areas then,and what does any of this have to do with your ISA?

That poster is not the OP.

lr1277

Rob5342 said:

lr1277 said:

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.

So you use chip and pin in areas you feel safe in to avoid having to use chip and pin in areas where you feel less safe and would prefer to use contactless? If that's the case then I'm confused, why do you not want the contactless facility, as that you'd have to use chip.im pin in l as safe areas then,and what does any of this have to do with your ISA?

As @sheramber said, I am not the OP. I do use contactless where I feel safe. I raised the point as I got it into my head the OP only wanted to use chip and pin and not contactless. I was replying to that particular point in the OP's post.

Rob5342

Sorry my mistake.

pennyforthem

sheramber said:

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.

1+2 Electronic wizardry

3 online, I recently wrote someone a check to get some cash and I used to get cash out, but the card changed, and my health circumstances changed so it has not been an issue.

Yes I want to put money into my ISA it's a help to buy ISA, so I am worried they will close it or something? Cash or transferred from currant account, I don't care as long as I start getting my statements again.

I don't understand why everyone's saying you don't access your ISA with a debit card and I have already asked, so somebody please, how are you all accessing your ISAS?

CouldntResist

I pay money in using my (contactless) debit card as an online transaction by using the digits/CVC code, I think I could also send as direct transfer. 

I spend money from my ISA by transferring cash in it from the ISA to my bank account. Like I suspect everyone else does.

molerat

I don't understand why everyone's saying you don't access your ISA with a debit card and I have already asked, so somebody please, how are you all accessing your ISAS?

I suspect most would use internet banking and transfer the money to a current account.

Who do you bank with ?  I do remember that Santander used to link easy access accounts to the current account debit card for use in Santander ATMs only - you got an option which account to draw from, don't know if it is still the case as I didn't get the option with my latest saver but I have not used a Santander ATM recently in case it was an automatic feature.

sheramber

You can transfer money from your current account to your ISA by bank transfer each time. If you want to pay a fixed amount each month you can set up a standing order to send the money from your current account to your ISA. This will happen automatically as long as you have enough money on your current account. 

You can also use your debit card if that is what you did before. Just as you buy online you enter your card number and the 3 digit number on the back of the card. This still works the same  with a contactless card. 

If you are still not sure I suggest you go to your branch and ask them to show you how to pay money into your ISA from your current account. 

eskbanker

pennyforthem said:

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!

Why are you associating online banking with contactless cards?  They are entirely separate and unrelated, i.e. using a contactless card has nothing to do with adopting online banking, you can just continue to use it exactly as you currently do, so doesn't entail any extra 'level of knowledge'?

Rob5342

I'm very confused about what the problem is. Having a card that's contactless doesn't stop you doing anything that you could do with a non contactless card. You can use it just as you did before. 

Viewing statements and making transfers can be done in online banking or a banking app. Online banking is no more complicated than posting on this site