Online bank won't return my £!! What are my rights?

Ayr_Rage

Further to the above, giving your card to another person to use is probably against their Ts and Cs as well.

analogueauntie

Okay, overwhelming feedback seems to be that yes, I AM in fact being paranoid.. it just seems like a hackers honeypot of data to steal.

Eyeful:
1. Scotland
2. I didn't
3. I didn't realise it was necessary because it would have done
4. A telephone

Slap on the sunscreen, PTS. It was not necessary to provide a passport to open the account (that I can remember) and I have always had this security concern, hence WISE being my first and last foray into online banking. And no, the high street cannot 'nudge' me into it. This is why. 

Ayr_Rage

@analogueauntie, Wise IS NOT a bank.

You cannot open accounts by telephone.

Scotland does not have a National ID Card.

If you want your money back you'll just have to provide the requested ID.

analogueauntie

It's called the Saltire Card. Check your local library. Proof of age and disability. 

analogueauntie

aka the National Entitlement Card, if you're being formal.

unforeseen

analogueauntie said:

aka the National Entitlement Card, if you're being formal.

That is not an ID card.

The National Entitlement Card (NEC) is Scotland’s National Smartcard, offering access to many public services across the country. You may recognise or know the NEC as your bus pass, library card or Young Scot card, however this one card may be able to grant you access to multiple other services as well.

analogueauntie

@Ayr_Rage "You cannot open accounts by telephone."

Well I appear to have.

{grumbles} A simple "you've got no rights" would have done...

Ayr_Rage

analogueauntie said:

It's called the Saltire Card. Check your local library. Proof of age and disability. 

It's NOT a recognised National ID Card, it's an entitlement card, available to the disabled and anyone over 60 issued by yer local cooncil.

I have one.

analogueauntie

And full time students who need proof of age, I think. Given that it it requires an up-to-date eligibility letter from a government department, is issued by the local authority AND is recognised nationally for access to various public services (yes, including the boos).. I am missing the difference here. 

eskbanker

analogueauntie said:

And full time students who need proof of age, I think. Given that it it requires an up-to-date eligibility letter from a government department, is issued by the local authority AND is recognised nationally for access to various public services (yes, including the boos).. I am missing the difference here. 

It's only relevant to certain public services in Scotland and some private organisations (such as bus companies) who sign up to be part of the scheme, but has no standing with UK-wide FCA-regulated financial institutions, for example.