Royal bank of Scotland disabled my Apple Pay

gadget88

So I purchased a new phone and tried to add my bank card. It failed said contact issuer so I checked with Apple all fine and bank said my card was fine. So I got an email today so I can’t use Apple Pay for atleast 30 days and they have the right to refuse me to use it but my card still works in shops. I called the bank twice tonight and was hung up on twice after raising my concern. I raised a formal complaint via the app. So what’s my next steps can I open a new bank account and move my wages over? Any advice would be good thanks 

friolento

Not sure what happened there. Your relationship with RBS seems to be damaged for some reason 

You are allowed current accounts with any bank which takes you on as a customer. Most will offer you CASS - the current account switch service. Google if you need details. 

Having more than one current account is, however, a good idea, not least because it allows you to deal with issues just like the one you have right now. So you may want to keep your RBS account and just apply for a second one elsewhere. At Chase UK, you get an instant virtual debit card, which you can instantly enable on ApplePay, too. Worth applying perhaps.

Stargunner

When you called the bank to raise your concern, did you also raise your voice and possibly say something to them to cause them to hang up, because it is very unusual for that to happen, especially twice.

gadget88

Stargunner said:

When you called the bank to raise your concern, did you also raise your voice and possibly say something to them to cause them to hang up, because it is very unusual for that to happen, especially twice.

I was quite annoyed and said i would move my mortgage to another bank. 

gadget88

friolento said:

Not sure what happened there. Your relationship with RBS seems to be damaged for some reason 

You are allowed current accounts with any bank which takes you on as a customer. Most will offer you CASS - the current account switch service. Google if you need details. 

Having more than one current account is, however, a good idea, not least because it allows you to deal with issues just like the one you have right now. So you may want to keep your RBS account and just apply for a second one elsewhere. At Chase UK, you get an instant virtual debit card, which you can instantly enable on ApplePay, too. Worth applying perhaps.

Should update my wages with my work going in or just transfer the funds out? I was hoping to keep the RBS active incase it does work after 30 days. I’m not sure why switching phones would matter. I got a cheap spare until I get the new iPhone 16 in a few weeks. I have occasionally used trustly and eneba for gift cards other than that it’s mostly mcdonnalds or hotels. I had my phone stolen in June and had issues getting a new online banking pin sent out and they did give compensation. Not sure if that’s a reason. I mean I have been a customer over 20 years and pay my mortgage on time each month and my wife also banks with them I have no idea why they would limit services to me. 

gadget88

I notice some banks give cash to join but that means switching over. Do they still give that offer for a second account or am I better using Chase? And is chase any good?

Stargunner

gadget88 said:

I notice some banks give cash to join but that means switching over. Do they still give that offer for a second account or am I better using Chase? And is chase any good?

You can only get a switch incentive if you switch a bank account to another provider.

I suggest that you try calling RBS again and this time be polite to them and you will probably find that you achieve a greater result.

gadget88

Stargunner said:

gadget88 said:

I notice some banks give cash to join but that means switching over. Do they still give that offer for a second account or am I better using Chase? And is chase any good?

You can only get a switch incentive if you switch a bank account to another provider.

I suggest that you try calling RBS again and this time be polite to them and you will probably find that you achieve a greater result.

I raised a complaint as I say I called 3 times now and issue never resolved. If I can say open a chase account and use Apple Pay. Whilst not ideal if it’s a solution? Perhaps I can try the card in 30 days again. I have heard of a few people opening chase accounts so maybe it’s a good idea to have them as a second bank?

wmb194

gadget88 said:

Stargunner said:

gadget88 said:

I notice some banks give cash to join but that means switching over. Do they still give that offer for a second account or am I better using Chase? And is chase any good?

You can only get a switch incentive if you switch a bank account to another provider.

I suggest that you try calling RBS again and this time be polite to them and you will probably find that you achieve a greater result.

I raised a complaint as I say I called 3 times now and issue never resolved. If I can say open a chase account and use Apple Pay. Whilst not ideal if it’s a solution? Perhaps I can try the card in 30 days again. I have heard of a few people opening chase accounts so maybe it’s a good idea to have them as a second bank?

Chase is fine - it's JP Morgan Chase - and it'll be quickly up and running. Also 1% cashback on debit card spending, max £15pm.

MattMattMattUK

gadget88 said:

Stargunner said:

gadget88 said:

I notice some banks give cash to join but that means switching over. Do they still give that offer for a second account or am I better using Chase? And is chase any good?

You can only get a switch incentive if you switch a bank account to another provider.

I suggest that you try calling RBS again and this time be polite to them and you will probably find that you achieve a greater result.

I raised a complaint as I say I called 3 times now and issue never resolved. 

You say it has been less than 30 days, but "issue never resolved", they likely set out 28 days to resolve a complaint and less than 30 days is less than "never". It also appears that you may have been "difficult" with the bank staff, which may be why they hung up on you.

gadget88 said:
I’m not sure why switching phones would matter. I got a cheap spare until I get the new iPhone 16 in a few weeks. 

gadget88 said:
If I can say open a chase account and use Apple Pay. Whilst not ideal if it’s a solution? Perhaps I can try the card in 30 days again.

So a second hand phone? It may be a device that indicates tampering or was previously involved in fraud which is why they may have locked it out. Or is it linked to a different Apple ID? If you try to add the same card to more than one Apple ID it will lock the card out.

You seem to have a minor issue which will be resolved if you are polite to bank staff and let them complete the complaints procedure. Instead of that you seem to be hugely overreacting, being "difficult" with bank staff not giving them time to resolve the issue. If you want to open another current account then do so, but you also need to be pragmatic about things.

gadget88

wmb194 said:

gadget88 said:

Stargunner said:

gadget88 said:

I notice some banks give cash to join but that means switching over. Do they still give that offer for a second account or am I better using Chase? And is chase any good?

You can only get a switch incentive if you switch a bank account to another provider.

I suggest that you try calling RBS again and this time be polite to them and you will probably find that you achieve a greater result.

I raised a complaint as I say I called 3 times now and issue never resolved. If I can say open a chase account and use Apple Pay. Whilst not ideal if it’s a solution? Perhaps I can try the card in 30 days again. I have heard of a few people opening chase accounts so maybe it’s a good idea to have them as a second bank?

Chase is fine - it's JP Morgan Chase - and it'll be quickly up and running. Also 1% cashback on debit card spending, max £15pm.

Thanks I got one set up and working. Good you get £15 back. So I would have to move some money over each month maybe keep the savings and mortgage with RBS. I notice you can’t add a second card to Apple Pay so I would have to use Chase. Maybe the RBS card will in future as won’t need Chase but maybe for now it’s better to try this bank.