Contactless use ATM

DullGreyGuy

adindas said:

Rob5342 said:

It's surprising they haven't really as a contactless interface would need less maintenance than a card slot. I don't see why they couldn't have contactless with a pin required. 

Not Surprising. Keep in mind people circumstance are difference. I fully believe there a lot of people out there do not like to install an app in their mobile. Also there are some people prefer to see the transaction from a big screen rather than a tiny screen from the Mobile apps. Some people are banking with more than a dozen banks/BSs. How does it looks like to install all of that apps on your mobile.

And the major point here where is efficiency to justify here ??. Keep in mind there are tons of cash machines out there. I always have cash less than £100 in my wallet. If I need cash, in my personal experience I hardly ever experience waiting more than two minutes in the queue. Majority I do not even meed to queue.

Firstly you dont need to use a mobile to use contactless, physical cards are contactless too. 

Secondly, you dont need to install a banking app to add a card to a digital wallet and use it contactlessly. 

Thirdly, enabling an ATM to read the card contactlessly doesn't stop the ATM's screen working, you still interact with the ATM in the same way other than tapping your card/phone rather than inserting the card

adindas

DullGreyGuy said:

adindas said:

Rob5342 said:

It's surprising they haven't really as a contactless interface would need less maintenance than a card slot. I don't see why they couldn't have contactless with a pin required. 

Not Surprising. Keep in mind people circumstance are difference. I fully believe there a lot of people out there do not like to install an app in their mobile. Also there are some people prefer to see the transaction from a big screen rather than a tiny screen from the Mobile apps. Some people are banking with more than a dozen banks/BSs. How does it looks like to install all of that apps on your mobile.

And the major point here where is efficiency to justify here ??. Keep in mind there are tons of cash machines out there. I always have cash less than £100 in my wallet. If I need cash, in my personal experience I hardly ever experience waiting more than two minutes in the queue. Majority I do not even meed to queue.

Firstly you dont need to use a mobile to use contactless, physical cards are contactless too. 

Secondly, you dont need to install a banking app to add a card to a digital wallet and use it contactlessly. 

Thirdly, enabling an ATM to read the card contactlessly doesn't stop the ATM's screen working, you still interact with the ATM in the same way other than tapping your card/phone rather than inserting the card

My understanding what other banks are using, work differently. You will still need to authorise a withdrawal from your app or at least still involve some level of authorisation.

If you mean using a contactless card just by tapping without apps or another type of authorisation, it is exactly what I will want to avoid.

Drop you card and anyone finds it, will take cash easily. They could easily tap and move and use the rest of cash machines in the city centre in just a few minutes before you realise and report it to your bank.

Do you have an example of a bank who have implemented the use of contactless card like you have described above to authorise the cash withdrawal ?? And why would the people ever need that considering, how many seconds needed to enter four digit security number ?

DullGreyGuy

adindas said:

DullGreyGuy said:

adindas said:

Rob5342 said:

It's surprising they haven't really as a contactless interface would need less maintenance than a card slot. I don't see why they couldn't have contactless with a pin required. 

Not Surprising. Keep in mind people circumstance are difference. I fully believe there a lot of people out there do not like to install an app in their mobile. Also there are some people prefer to see the transaction from a big screen rather than a tiny screen from the Mobile apps. Some people are banking with more than a dozen banks/BSs. How does it looks like to install all of that apps on your mobile.

And the major point here where is efficiency to justify here ??. Keep in mind there are tons of cash machines out there. I always have cash less than £100 in my wallet. If I need cash, in my personal experience I hardly ever experience waiting more than two minutes in the queue. Majority I do not even meed to queue.

Firstly you dont need to use a mobile to use contactless, physical cards are contactless too. 

Secondly, you dont need to install a banking app to add a card to a digital wallet and use it contactlessly. 

Thirdly, enabling an ATM to read the card contactlessly doesn't stop the ATM's screen working, you still interact with the ATM in the same way other than tapping your card/phone rather than inserting the card

My understanding what other banks are using, work differently. You will still need to authorise a withdrawal from your app or at least still involve some level of authorisation.

If you mean using a contactless card just by tapping without apps or another type of authorisation, it is exactly what I will want to avoid.

Drop you card and anyone finds it, will take cash easily. They could easily tap and move and use the rest of cash machines in the city centre in just a few minutes before you realise and report it to your bank.

Do you have an example of a bank who have implemented the use of contactless card like you have described above to authorise the cash withdrawal ?? And why would the people ever need that considering, how many second needed to enter your security number and  you hardly ever have a long queue when you want to withdraw cash.

Its tap and pin not tap alone... Santander machines have this

adindas

DullGreyGuy said:

adindas said:

DullGreyGuy said:

adindas said:

Rob5342 said:

It's surprising they haven't really as a contactless interface would need less maintenance than a card slot. I don't see why they couldn't have contactless with a pin required. 

Not Surprising. Keep in mind people circumstance are difference. I fully believe there a lot of people out there do not like to install an app in their mobile. Also there are some people prefer to see the transaction from a big screen rather than a tiny screen from the Mobile apps. Some people are banking with more than a dozen banks/BSs. How does it looks like to install all of that apps on your mobile.

And the major point here where is efficiency to justify here ??. Keep in mind there are tons of cash machines out there. I always have cash less than £100 in my wallet. If I need cash, in my personal experience I hardly ever experience waiting more than two minutes in the queue. Majority I do not even meed to queue.

Firstly you dont need to use a mobile to use contactless, physical cards are contactless too. 

Secondly, you dont need to install a banking app to add a card to a digital wallet and use it contactlessly. 

Thirdly, enabling an ATM to read the card contactlessly doesn't stop the ATM's screen working, you still interact with the ATM in the same way other than tapping your card/phone rather than inserting the card

My understanding what other banks are using, work differently. You will still need to authorise a withdrawal from your app or at least still involve some level of authorisation.

If you mean using a contactless card just by tapping without apps or another type of authorisation, it is exactly what I will want to avoid.

Drop you card and anyone finds it, will take cash easily. They could easily tap and move and use the rest of cash machines in the city centre in just a few minutes before you realise and report it to your bank.

Do you have an example of a bank who have implemented the use of contactless card like you have described above to authorise the cash withdrawal ?? And why would the people ever need that considering, how many second needed to enter your security number and  you hardly ever have a long queue when you want to withdraw cash.

Its tap and pin not tap alone... Santander machines have this

Aha I see what you mean. I also have seen Barclays have some type of this machine. So the purpose of this is just to replace the physical card reader slot. This one make sense as it might be cheaper to do that. I think they might replace them gradually as it will be costly to replace all of them if the old one could still be used.

DullGreyGuy

adindas said:

DullGreyGuy said:

adindas said:

DullGreyGuy said:

adindas said:

Rob5342 said:

It's surprising they haven't really as a contactless interface would need less maintenance than a card slot. I don't see why they couldn't have contactless with a pin required. 

Not Surprising. Keep in mind people circumstance are difference. I fully believe there a lot of people out there do not like to install an app in their mobile. Also there are some people prefer to see the transaction from a big screen rather than a tiny screen from the Mobile apps. Some people are banking with more than a dozen banks/BSs. How does it looks like to install all of that apps on your mobile.

And the major point here where is efficiency to justify here ??. Keep in mind there are tons of cash machines out there. I always have cash less than £100 in my wallet. If I need cash, in my personal experience I hardly ever experience waiting more than two minutes in the queue. Majority I do not even meed to queue.

Firstly you dont need to use a mobile to use contactless, physical cards are contactless too. 

Secondly, you dont need to install a banking app to add a card to a digital wallet and use it contactlessly. 

Thirdly, enabling an ATM to read the card contactlessly doesn't stop the ATM's screen working, you still interact with the ATM in the same way other than tapping your card/phone rather than inserting the card

My understanding what other banks are using, work differently. You will still need to authorise a withdrawal from your app or at least still involve some level of authorisation.

If you mean using a contactless card just by tapping without apps or another type of authorisation, it is exactly what I will want to avoid.

Drop you card and anyone finds it, will take cash easily. They could easily tap and move and use the rest of cash machines in the city centre in just a few minutes before you realise and report it to your bank.

Do you have an example of a bank who have implemented the use of contactless card like you have described above to authorise the cash withdrawal ?? And why would the people ever need that considering, how many second needed to enter your security number and  you hardly ever have a long queue when you want to withdraw cash.

Its tap and pin not tap alone... Santander machines have this

Aha I see what you mean. I also have seen Barclays have some type of this machine. So the purpose of this is just to replace the physical card reader slot. This one make sense as it might be cheaper to do that. I think they might replace them gradually as it will be costly to replace all of them if the old one could still be used.

As was pointed out above, Barclays did used to have them too but according to their website have removed them now. 

I think with the Santander ones it supports both card insertion and contactless so that those that have non-contactless cards can continue to use them

ggearbox162

daveyjp said:

Santander have contactless with PIN ATMs.

I'm late to the party but my local Santander doesn't

Rob5342

adindas said:

DullGreyGuy said:

adindas said:

DullGreyGuy said:

adindas said:

Rob5342 said:

It's surprising they haven't really as a contactless interface would need less maintenance than a card slot. I don't see why they couldn't have contactless with a pin required. 

Not Surprising. Keep in mind people circumstance are difference. I fully believe there a lot of people out there do not like to install an app in their mobile. Also there are some people prefer to see the transaction from a big screen rather than a tiny screen from the Mobile apps. Some people are banking with more than a dozen banks/BSs. How does it looks like to install all of that apps on your mobile.

And the major point here where is efficiency to justify here ??. Keep in mind there are tons of cash machines out there. I always have cash less than £100 in my wallet. If I need cash, in my personal experience I hardly ever experience waiting more than two minutes in the queue. Majority I do not even meed to queue.

Firstly you dont need to use a mobile to use contactless, physical cards are contactless too. 

Secondly, you dont need to install a banking app to add a card to a digital wallet and use it contactlessly. 

Thirdly, enabling an ATM to read the card contactlessly doesn't stop the ATM's screen working, you still interact with the ATM in the same way other than tapping your card/phone rather than inserting the card

My understanding what other banks are using, work differently. You will still need to authorise a withdrawal from your app or at least still involve some level of authorisation.

If you mean using a contactless card just by tapping without apps or another type of authorisation, it is exactly what I will want to avoid.

Drop you card and anyone finds it, will take cash easily. They could easily tap and move and use the rest of cash machines in the city centre in just a few minutes before you realise and report it to your bank.

Do you have an example of a bank who have implemented the use of contactless card like you have described above to authorise the cash withdrawal ?? And why would the people ever need that considering, how many second needed to enter your security number and  you hardly ever have a long queue when you want to withdraw cash.

Its tap and pin not tap alone... Santander machines have this

Aha I see what you mean. I also have seen Barclays have some type of this machine. So the purpose of this is just to replace the physical card reader slot. This one make sense as it might be cheaper to do that. I think they might replace them gradually as it will be costly to replace all of them if the old one could still be used.

That's what I meant in my post, you could tap the card instead of putting the card in the slot but still have the pin and the rest of the machine exactly the same. It seems odd given that contactless cards have been standard for years.

Blackbriar_040

May or may not be the same, but I recall while in Spain (Leon) last September, every ATM I went to, seemed to offer withdrawals via contactless!  In fact most of the banks machines all looked very new and modern!  They also had a option to withdraw via your Mob number, no card needed!

 

jadex

Blackbriar_040 said:

May or may not be the same, but I recall while in Spain (Leon) last September, every ATM I went to, seemed to offer withdrawals via contactless!  In fact most of the banks machines all looked very new and modern!  They also had a option to withdraw via your Mob number, no card needed!

 

Euronet ATMs in many places/countries are contactless (as an option, no need to use it if you prefer to slot your card in). Saves them dealing with "machine ate my card" problems.
The advantage is that now you don't carry your card around at all, not even for taking money out of ATM. You can just use your mobile with Google/Apple pay or even possibly a Smartwatch

theATMguru

There will be some Banks which offer this on their own ATMs.

The industry is looking an enabling this across the LINK network but security concerns and customer journey looks like a barrier that won’t be overcome.

its very unlikely you’ll see this anytime soon.