Lloyds TSB help

ryan92

I applied for a bank account with them when I was 15.
A month later I was 16, and have just realised that I possibly should have received a new card. I currently have the under 19's account, but it is only a cashline card. I was just wondering whether I should have had a new card,, ie, the chip and pin type card, that I can use in shops?

jonesMUFCforever

Patience!
Have you had a letter from the bank advising you about the new cards that u19 accounts will get?

If not you will shortly get such a letter and a card will follow soon.
If you can't wait take your cashpoint card to your nearest branch and ask them to order it for you.
As you are 16 now you do not need parental permission to get this card.

Night-owl_6

ryan92 wrote: »

I applied for a bank account with them when I was 15.
A month later I was 16, and have just realised that I possibly should have received a new card. I currently have the under 19's account, but it is only a cashline card. I was just wondering whether I should have had a new card,, ie, the chip and pin type card, that I can use in shops?

Do you have online banking?!
There should be a section to click to upgrade your account.
If not, go in to your local branch and ask for an account upgrade however they will only upgrade you if you have operated the cash account correctly for the past 12 months

ryan92

Yeah, I do use Internet banking, and must admit, I have never noticed such an option. Possibly since ive only had the account for 6 months ( turned 16 a month after if was set up )

Night-owl_6

ryan92 wrote: »

Yeah, I do use Internet banking, and must admit, I have never noticed such an option. Possibly since ive only had the account for 6 months ( turned 16 a month after if was set up )

Think you will most likely need to run the account for 12 months and then go in branch for an upgrade.
You should receive a letter inviting you to upgrade however this is not always the case and you need to apply anyway.
If you really want a debit card now, there is always Barclays who will give you a Visa debit card and cheque book on there "current account" or Abbey national who will give you a Visa Electron card.

jonesMUFCforever

Night-owl wrote: »

Do you have online banking?!
There should be a section to click to upgrade your account.
If not, go in to your local branch and ask for an account upgrade however they will only upgrade you if you have operated the cash account correctly for the past 12 months

OP has an under 19 account not a cash account.
The option to upgrade will not show on Internet banking as he is not yet 18 years of age.

I think he was talking about the card he was issued with.

Night-owl_6

jonesMUFCforever wrote: »

OP has an under 19 account not a cash account.
The option to upgrade will not show on Internet banking as he is not yet 18 years of age.

I think he was talking about the card he was issued with.

I see.
I think he needs to go into branch if he wants to upgrade

bradc

Lloyds TSB now issue all U19 account customers a VISA Debit card. It was before only available to over 16's but now this has changed (very recently). I suggest you go into branch and ask them, I am sure they will be able to order you one. Lloyds TSB still do not allow use of internet banking until your 16.

janetteosborne

Hi

Don't bother with them. Try Nationwide. My son is 16 also and has had no trouble what so ever. When he is 18 it will change automatically to a Flex Account. We were with the LLoyds - absolutely useless - staff are rude and can't be bothered.

JOsborne

jonesMUFCforever

janetteosborne wrote: »

Hi

Don't bother with them. Try Nationwide. My son is 16 also and has had no trouble what so ever. When he is 18 it will change automatically to a Flex Account. We were with the LLoyds - absolutely useless - staff are rude and can't be bothered.

JOsborne

I'm sorry that you were treated badly but not all staff are rude.

Night-owl_6

Go for a barclays account, youll get a Visa debit card, cheque book and can set up DD and SO on it