Bank account access/ contactless

jameseonline

Zanderman said:

pennyforthem said:

I will never have an online bank account or a banking app!

I do not want a contactless card as they can be cloned I do not see why I should spend my time ensuring money is not going out of my account and arguing over incorrect expenditure. A non-contactless card is of no extra effort to provide, on the other hand a contactless card IS why then should I be forced to have something that I have no use for, puts me in a greater risk and adds stress to my life?

I use my bank card for paying my credit card, accessing my ISA and emergencies when I am out which I am now cash only. (I very much doubt I would have enough money for a taxi on me, so would have to call an ambulance. Got a lift off the police last time)

Why you would need to know any of this to be able to say if you have a help to buy ISA that has not been accessed for over a year where I stand with it, I don't know? All I know is they have stopped sending me statements without warning.

I take it, I am left with an account that I will have to pay for things with my credit card online and write checks and get cash from people I know then!

As others have said, this thread and your concerns, seem difficult to understand. Your latest post doesn't help much.

It seems that your worries relate primarily to having a contactless card which you seem to think puts you at some kind of risk. But actually, really, it doesn't. Just use it like a normal card. Forget it is contactless.

If you're worried (but there's hardly any, probably no, need to be!) it will be read in your pocket/wallet/whatever, buy a metal case for it.

If the card is how you access your accounts, incl your ISA, in branch (as you say you don't use online banking or apps) then just use it in branch as if it's not contactless. That shouldn't be difficult.

You mention using a credit card instead - but the next replacement of that will also, probably, be contactless. You are going to have to come to terms with contactless!  Millions of people use contactless millions of times a day, with no issues whatsoever. You can too.

I feel there is very little to say now, we've all tried to help & not seem to be getting anywhere 😌

Maybe do things over phone unless you against that as well?.

If you don't use your card in shops, you keep it at home it's unlikely to get cloned etc is it?.

To be honest you don't really need the card to do transfers etc just account numbers & sort codes. Maybe the 3 digit number on the back of card

VXman

I do not believe you have stated which bank you have this ISA with. I assume you must go into a branch to do any banking business as you are not using online. 

So, why don't you ask the bank about your ISA?

eskbanker

pennyforthem said:

I do not want a contactless card as they can be cloned...

Contactless cards can't be cloned in any meaningful sense, despite what conspiracy-oriented websites may claim, and in any case, the majority of card fraud is remote card-not-present fraud, i.e. where neither the chip nor any contactless functionality is relevant....

Nasqueron

pennyforthem said:

I will never have an online bank account or a banking app!

I do not want a contactless card as they can be cloned I do not see why I should spend my time ensuring money is not going out of my account and arguing over incorrect expenditure. A non-contactless card is of no extra effort to provide, on the other hand a contactless card IS why then should I be forced to have something that I have no use for, puts me in a greater risk and adds stress to my life?

I use my bank card for paying my credit card, accessing my ISA and emergencies when I am out which I am now cash only. (I very much doubt I would have enough money for a taxi on me, so would have to call an ambulance. Got a lift off the police last time)

Why you would need to know any of this to be able to say if you have a help to buy ISA that has not been accessed for over a year where I stand with it, I don't know? All I know is they have stopped sending me statements without warning.

I take it, I am left with an account that I will have to pay for things with my credit card online and write checks and get cash from people I know then!

Unfortunately for people with your preferred way of operating, the way banking is changing is away from what you want and it will not reverse. Contactless cards cannot realistically be cloned, any more, or less, than your credit card or indeed, fake bank notes - myths certainly abound about people walking down tube trains waving card readers at pockets and stealing money and card details, but this simply isn't realistic for a myriad of reasons (not least the ID checks and payments needed to get card readers linked to bank accounts which put off criminals). Card is vastly safer than cash - card stolen, blocked in app, bank refunds transactions vs cash stolen, end of story. You could simply buy a RFID blocking pouch for the card if you wanted an extra layer of safety, though it's really not needed.

Rob5342

The contactless limit can usually be reduced if you want it to be.

If you aren't being sent statements you need to ask the bank if its possible to send them.

If you won't use online banking or a banking app then you make things a lot more difficult for yourself.

There's no more to say really.

sheramber

Rob5342 said:

The contactless limit can usually be reduced if you want it to be.

If you aren't being sent statements you need to ask the bank if its possible to send them.

If you won't use online banking or a banking app then you make things a lot more difficult for yourself.

There's no more to say really.

The bank have said they can reduce the limit to £10 but the OP is not satisfied. He wants a zero limit which the bank have told him they cannot do.

sheramber

pennyforthem said:

I will never have an online bank account or a banking app!

I do not want a contactless card as they can be cloned I do not see why I should spend my time ensuring money is not going out of my account and arguing over incorrect expenditure. A non-contactless card is of no extra effort to provide, on the other hand a contactless card IS why then should I be forced to have something that I have no use for, puts me in a greater risk and adds stress to my life?

I use my bank card for paying my credit card, accessing my ISA and emergencies when I am out which I am now cash only. (I very much doubt I would have enough money for a taxi on me, so would have to call an ambulance. Got a lift off the police last time)

Why you would need to know any of this to be able to say if you have a help to buy ISA that has not been accessed for over a year where I stand with it, I don't know? All I know is they have stopped sending me statements without warning.

I take it, I am left with an account that I will have to pay for things with my credit card online and write checks and get cash from people I know then!

A non contactless is an effort to issue as the machinery is now set to produce contactless. 

Contactless and non contactless are no more or less likely to be cloned.

There will come a day when there are  no branches to visit and everything will be done online or over the phone. 

Using your card to buy goods or obtain cash is using online banking. The process of moving the money to your or the retailer is done online.

eskbanker

sheramber said:

Using your card to buy goods or obtain cash is using online banking. The process of moving the money to your or the retailer is done online.

Eh?  The term 'online banking' will generally be used to describe accessing one's account directly via app or web browser, in order to make bank transfers, manage DDs/SOs, view statements, etc - using a card to make purchases or withdraw cash really isn't online banking, even if the purchases are made online, so bending definitions like that runs the risk of further clouding OP's already muddled thoughts!

Barkin

sheramber said:

Rob5342 said:

The contactless limit can usually be reduced if you want it to be.

If you aren't being sent statements you need to ask the bank if its possible to send them.

If you won't use online banking or a banking app then you make things a lot more difficult for yourself.

There's no more to say really.

The bank have said they can reduce the limit to £10 but the OP is not satisfied. He wants a zero limit which the bank have told him they cannot do.

If they registered for online banking, they could probably set a zero limit for contactless through the app.  😂

TheBanker

pennyforthem said:

I will never have an online bank account or a banking app!

I do not want a contactless card as they can be cloned I do not see why I should spend my time ensuring money is not going out of my account and arguing over incorrect expenditure. A non-contactless card is of no extra effort to provide, on the other hand a contactless card IS why then should I be forced to have something that I have no use for, puts me in a greater risk and adds stress to my life?

I use my bank card for paying my credit card, accessing my ISA and emergencies when I am out which I am now cash only. (I very much doubt I would have enough money for a taxi on me, so would have to call an ambulance. Got a lift off the police last time)

Why you would need to know any of this to be able to say if you have a help to buy ISA that has not been accessed for over a year where I stand with it, I don't know? All I know is they have stopped sending me statements without warning.

I take it, I am left with an account that I will have to pay for things with my credit card online and write checks and get cash from people I know then!

As far as I can work out (and you don't make it easy!) you have two problems. You still haven't told us which bank(s) are involved so nobody can give very specific help, or suggest other banks that might be more suitable for your quite specific needs.

Problem 1 seems to be that you don't want a contactless card. Unfortunatly a non-contactless card isn't really an option these days. There are certain services which are only available with contactless, for example paying fares on some buses, paying at certain car parks, and using some automated/vending machines. Maybe these aren't relevent to you but the vast majority of customers want to use them, and it's not cost effective for the banks to make a different type of card for a small minority of people.

Most of the bank cards I have give me the option to turn off contactless through the bank's mobile app. I realise this is not an option for you because you have decided you don't want to bank in this way. 

I think you're saying that because your card is contactless you don't take it out with you, which means you have to rely on the Police or Ambulance Service if you don't have enough money for a taxi? I think the risk of being stuck without money is greater than the risk of your contactless card being randomly cloned, so I would urge you to take it with you. You should not be relying on the Police or Ambulance Service for a lift as they are very busy and will likely to refuse to help unless there is a genuine emergancy. 

In my experience, you are more likely to suffer fraud as a result of using your Credit Card online, than someone randomly cloning your contactless debit card.

I am still not sure how you access a Help to Buy ISA with your bank card. Do you mean you use your bank card to make deposits into the ISA?

Problem 2 seems to be that you're not sure what's happened to your ISA because they have stopped sending statements. I would expect this type of ISA to only issue an annual statement, so it could simply be lost in the post. Or it could be that the bank has switched to online statements and you've missed the notification for some reason. But your ISA will still be there, just contact the bank and ask them about it. You should be able to ask for statements to be turned back on if they've been switched off. If you've not contributed in the last tax year the bank might ask you to complete a new ISA decleration, and they might also want to update your personal details if there are any gaps in their records. But it shouldn't be too difficult to sort this out by talking to the bank.