Nationwide card reader - rubbish

Chief_of_Staffy

pafpcg said:

savergrant said:

Rob5342 said:

Nationwide are hopelessly old fashioned, progress is something they take very little interest in. Most other banks let you do it very easily in the app without needing a card reader. 

Nationwide offer...in fact heavily promote their app...however i prefer the card reader as it means someone needs my physical card and my pin and not just my phone to authorise a new payee.
True on modern cards you can't see the last four digits when it's inserted (the card number is on the back pointing the other way) but you know it's going to ask you so look before you insert. Worst case scenario leave that bit until last and fill everything else in then take the card out. 

I'm sure that those who use their card readers regularly will already have adopted this simple solution:  write the four digits on the card where you can see them!   Just write the numbers on the part of the card that's visible when the card is inserted in the reader in big bold digits and that's the problem solved.

I think the key point is, why does it ask for the last four digits of the card in the first place? Is there some psychological barrier I'm unaware of that prevents a thief from simply looking at the card in their hand and typing the numbers in?

GeoffTF

Chief_of_Staffy said:

pafpcg said:

savergrant said:

Rob5342 said:

Nationwide are hopelessly old fashioned, progress is something they take very little interest in. Most other banks let you do it very easily in the app without needing a card reader. 

Nationwide offer...in fact heavily promote their app...however i prefer the card reader as it means someone needs my physical card and my pin and not just my phone to authorise a new payee.
True on modern cards you can't see the last four digits when it's inserted (the card number is on the back pointing the other way) but you know it's going to ask you so look before you insert. Worst case scenario leave that bit until last and fill everything else in then take the card out. 

I'm sure that those who use their card readers regularly will already have adopted this simple solution:  write the four digits on the card where you can see them!   Just write the numbers on the part of the card that's visible when the card is inserted in the reader in big bold digits and that's the problem solved.

I think the key point is, why does it ask for the last four digits of the card in the first place?

It does not for most of us.

https://www.youtube.com/watch?v=Y5e6WaLmlj0

ranciduk

I made a transfer from the app today to a new payee - and I didn't get asked to use the card reader.

It was only a small amount,  and it was to myself (another bank I have an account with)

So seems a bit random 

GeoffTF

It would appear that if you do everything correctly, you will not be asked for the last four digits of the card. If, however, you insert the wrong card or type the wrong PIN, perhaps it then asks for the last four digits. If the last four digits do not match your card, it can then tell you that you have inserted the wrong card. I expect that lots of people do that.

Chief_of_Staffy

GeoffTF said:

Chief_of_Staffy said:

pafpcg said:

savergrant said:

Rob5342 said:

Nationwide are hopelessly old fashioned, progress is something they take very little interest in. Most other banks let you do it very easily in the app without needing a card reader. 

Nationwide offer...in fact heavily promote their app...however i prefer the card reader as it means someone needs my physical card and my pin and not just my phone to authorise a new payee.
True on modern cards you can't see the last four digits when it's inserted (the card number is on the back pointing the other way) but you know it's going to ask you so look before you insert. Worst case scenario leave that bit until last and fill everything else in then take the card out. 

I'm sure that those who use their card readers regularly will already have adopted this simple solution:  write the four digits on the card where you can see them!   Just write the numbers on the part of the card that's visible when the card is inserted in the reader in big bold digits and that's the problem solved.

I think the key point is, why does it ask for the last four digits of the card in the first place?

It does not for most of us.

https://www.youtube.com/watch?v=Y5e6WaLmlj0

It doesn't for me, but the OP said it does for them, hence my question.

GeoffTF

Chief_of_Staffy said:

It doesn't for me, but the OP said it does for them, hence my question.

I expect that it works for you because you insert the right card and type the correct PIN. I expect that the OP made a mistake, and Nationwide is checking that the right card has been inserted.

wmb194

GeoffTF said:

Chief_of_Staffy said:

It doesn't for me, but the OP said it does for them, hence my question.

I expect that it works for you because you insert the right card and type the correct PIN. I expect that the OP made a mistake, and Nationwide is checking that the right card has been inserted.

When you have multiple current accounts each with a debit card there's a drop down box and you have to tell it which card you're going to use in the reader. IIRC the drop down only shows the last four digits. When you only have one card I guess it doesn't need to ask.

GeoffTF

wmb194 said:

GeoffTF said:

Chief_of_Staffy said:

It doesn't for me, but the OP said it does for them, hence my question.

I expect that it works for you because you insert the right card and type the correct PIN. I expect that the OP made a mistake, and Nationwide is checking that the right card has been inserted.

When you have multiple current accounts each with a debit card there's a drop down box and you have to tell it which card you're going to use in the reader. IIRC the drop down only shows the last four digits. When you only have one card I guess it doesn't need to ask.

There could also be complications when a card is about to expire shortly and there is another one in the post.

andygb

GeoffTF said:

It would appear that if you do everything correctly, you will not be asked for the last four digits of the card. If, however, you insert the wrong card or type the wrong PIN, perhaps it then asks for the last four digits. If the last four digits do not match your card, it can then tell you that you have inserted the wrong card. I expect that lots of people do that.

I have one debit card and one credit card and I only use the debit card in the card reader. On my second and third attempts at using the card reader and the correct last four digits, the card reader timed out both times.

andygb

GeoffTF said:

Chief_of_Staffy said:

It doesn't for me, but the OP said it does for them, hence my question.

I expect that it works for you because you insert the right card and type the correct PIN. I expect that the OP made a mistake, and Nationwide is checking that the right card has been inserted.

I didn't make a mistake, I used the card number, which is the one I am currently using and yes, it does expire at the end of this month. If the card reader is not letting me use a card which has not yet expired, then I think that is a s**t system.