Nationwide card reader

moonrakerz

Bonbon wrote: »

I got my card reader about a month ago.It had no instructions and it's just been sitting by my computer since then. Will Nationwide tell me when and how to use it or do I need to contact them? I really am not too bright with new gadgets.

Just like mine - except last night when I tried to transfer money from a NW account to another bank it refused to work !

I now have to wait at least 5 days for a new reader (will that one work ?) and I have to go down town thuis morning to get old-fashioned cash out of one bank and deposit it in the other - isn't progress wonderful ?

Milarky

moonrakerz wrote: »

Just like mine - except last night when I tried to transfer money from a NW account to another bank it refused to work !

I now have to wait at least 5 days for a new reader (will that one work ?) and I have to go down town thuis morning to get old-fashioned cash out of one bank and deposit it in the other - isn't progress wonderful ?

Telephone Self Service? It can be operated independently of the online service.

intalex

LittleVoice wrote: »

Thanks for the warning - I hadn't realised that it would require the use of the card reader to make any payment to an external account. RBS have sent me a reader which I have used once (thankfully easy to use without bothering to read the booklet) - but only where you are setting up a new payee account. Repeat payments to an account already set up doesn't require the reader.

Nationwide have surely gone too far if we have to carry the reader with us everywhere unless we never do any online banking except from home.

Sorry to dig up old posts, but is it still the case that use of a card reader is required for repeat payments with Nationwide? I know it's not required with Barclays, hence the reason I had set up all my regular payees before this system went live.

There has to be a healthy balance between effective security and efficiency, but this compromises the latter rather unnecessarily.

Extant

rail.link wrote: »

Somebody's flogging his Barclays pinsentry card reader on ebay, if anybody's looking for one ! :eek:

Or just go tell someone in a branch that yours arrived broken (you'll be sent another one for free) or that you just want another one (costs £6).

Or: work for Barclays, order box of 100, put all over house. Order extra boxes and make small fort.

hippey

We got ours in May, that was one reason I moved from Nationwide to Lloyds, when it first went live on the online banking it wasn't working correctly and the site would not recognise the code provided.

A fualt at the time apparently, took 2 weeks to resolve so we could only make small third party transfers and ended up paying all the bills by cheque!

All the readers will be pretty much the same as the technology behind it has to be the same.

tonyhamm

lost/misplaced mine. A total inconevience which has cost me hours. If there was ever a device designed to be crucial yet impractical and easily lost this is it. Totally unecessary, but we all know the brains working at our banks - whats wrong with challange-response security which does the military ok? I detest having to run about the house, finding my wallet, card and then the reader to pay a bill!

Antonhu

intalex wrote: »

is it still the case that use of a card reader is required for repeat payments with Nationwide? I know it's not required with Barclays, hence the reason I had set up all my regular payees before this system went live.

There has to be a healthy balance between effective security and efficiency, but this compromises the latter rather unnecessarily.

More than a year later and yes, use of the card reader is still required for every transaction, repeat or otherwise.

It is becoming more and more of a pain, as i go to pay my monthly bills and get nagged to use my card reader. Inevitably, I have to get up and find my wallet and card.

It would certainly be easy to program the system to identify regular payments within certain levels and to allow them without using this darned device.

But I shouldn't be surprised that nothing is happening; the people at Swindon do not seem to be trained/empowered/motivated to do a great deal these days. A real shame, as I religiously support the mutuals with my deposits; luckily, there are other building societies.

dzug1

tonyhamm wrote: »

- whats wrong with challange-response security which does the military ok? !

Nothing wrong with it - but not in isolation. It goes hand in hand with secure passwords (which 99.9999% of home computer users don't have, and a lot of military users try to avoid having) and other procedures.

Security is multi layered, not just one thing.

Olipro

There is no difference between the cardreaders, apart from what's printed on the front the electronics inside them are completely and utterly identical.

the "computer" is not the cardreader, it's the smartcard chip itself, the machine merely talks to the chip, all the clever stuff is performed inside the card - that includes PIN blocking and calculating the challenge response.

JCB2020

We have two, one kept at home the other I carry in my laptop bag as I dont know where I will be if I need to use it