UK bank with Pin Change from an App?

le_loup wrote: »

It suits us very well because we too are behind the times.
PS is it still 1950 in New Zeeland - it was when I was there.

If NZ is in the 1950s, then the UK is in the 1850s!!! A lot of people believe that NZ is behind the UK and Europe, because they're not overpopulated and the people aren't miserable but instead kind and genuinely try and help and make the lives of others around them more pleasant, something that I've found Brits and Europeans don't really care about and this seems theory is simply being reinforced by some of the responses to my original question. As a Brit myself, this makes me very sad, it's one of the reasons I try and spend as little time in the UK as possible.

However despite this, it seems that New Zealand are far ahead of us in terms of banking technology, as I believe this kind of card servicing is standard in NZ,

Ben8282 wrote: »

The most probable reason for this is that you have changed the PIN so many times that you had forgotten what you changed it to.
Just out of interest, does this app of yours allow the PIN to be changed without entering the current PIN? If yes, and it worked, then the problem in the petrol station was something other than what you thought it was. If no, pretty slack security. An ATM always requires current PIN to be entered first.
Why do you find it necessary to change your PIN so often?

You do realise that assumptions make an äss out of u and i?
I hadn't once changed my pin, which could have been inferred from the fact that I said my pin had worked previously and the fact it had 'mysteriously changed'. In fact I haven't changed my pin in around a year, and on top of that as I've worked in I.T for over a decade and keep a encrypted password safe protected by a regularly changing password and a hashchecked keyfile so even if I had changed or forgot it, I would have an up to date version of my in that file.

Why do you assume that problems are people's own fault, when you have zero evidence to suggest or support it? I would hate to be your partner, I bet they're 'cheating on you' every time they're stuck in traffic and are late from work.

Just wondering, so far we're at an almost 50 percent ratio of helpful responses to people with delusions of adequacy who seem insistent on being difficult and condescending towards a new member who is simply trying to find out some information. Is this usual for this forum?

This was my first post, and quite frankly if the ratio of @ssholes is as high as it is in this post, not only can I not trust the information, but it's unlikely that I'll use this forum again. As by the very nature of a forum is that the more people who are inputting information, the more helpful to everyone it becomes, I'm quite surprised that there are so many people being such rude plebs to new users who pose simple questions.

I simply asked for advice, not the opinions, assumptions and beliefs of self important, holier than thou @sshats.

Thanks to everyone who has offered genuine comments, opinions and advice. To everyone else, your lives must be so small and petty you feel the need to try and belittle new users to forums who ask genuine questions. I feel sorry for you, but if this is all you have in life, and is your way of feeling important, I won't take it from you, as clearly you have nothing else.

FriendlyFoe wrote: »

OP, you started the thread with snark which is naturally gonna get snark like responses.

You asked a question which seems a bit odd. As far as I am aware, but I am willing to be corrected, the PIN is localised to the chip on the card and has no association with app based banking. If you changed the card PIN remotely as you say, how would that information reach the card?

With regard to VISA and Mastercard. Visa debit/ Visa credit is the mostly widely accepted card payment type followed globaly, followed closely by Maestro/Mastercard debit/ Mastercard credit. Obviously this is not applicable to every country where New Zealand and China being two that come to mind.

In terms of what you were asking for, that sort of bespoke card security features that you describe; Barclays, Starling, Monzo and Revolut all come to mind. Barclays being Visa, Revolut also Visa (in the UK) and the other two Mastercard debit.

So my question regarding whether UK banking systems are technologically inept (which they seem to be) was snark? I didn't realise pointing out facts (the fact is that NZ with a much smaller market can manage this without issue) about UK banking systems would personally insult so many people!

I'll be honest, I don't know exaclty how the technology works, perhaps it is localised, but in New Zealand I can change the pin on my card from my app, or lock my card, or change the transaction limit, and it applies with an almost immediate effect. However, I will definitely be researching how it works now, as I'm curious and your question about it being local (which I didn't realise it was) has now piqued my interest!

However, back to the topic at hand, you're one of the few people in thread in this thread so far to actually make some suggestions that give me something to investigate, so thanks! I had checked out (and even phoned) a few banks and building societies to try and find an answer to my question but hadn't had any luck, which is why I posted on here. I was with Barclays probably about 15 years ago, and I used to call them "The bank that likes to say no" so I hadn't even thought of checking them out, and before this thread I hadn't even heard of Revolut and you're the second person to mention them, so I will definintely check them out! This is exactly the type of information I was hoping to receive when I started this thread, so thanks!

Potentials and suggestions as to who to use are perfect, and if I was being snarky, I certainly didn't feel like I was being snarky enough to receive some of the BS responses I did! Not like I insulted anyone directly, I simply suggested that our banking companies are technologically inept, which for the most part, I still stand by!!

Dobbibill wrote: »

This link below has lots of information about travel cards including Credit Cards - it buys you time if you can't move money immediately as you have until the due date after the statement is produced.

You can also use this as a guideline to see which one gives you the best chance of being accepted (although it isn't guaranteed)

I'll have look into it, thanks for the info. I don't really like using credit cards, but I shall take a look. I honestly had hoped there would be an English bank that offered the features I wanted, but I guess not! I will have a look at that link though, it may be worth trying to obtain one just for emergencies.

agrinnall wrote: »

While it's a long time (over 25 years) since I worked on card and PIN systems in NZ, at that time it was way ahead of anything that was available in the UK, and offered functionality that is still not available here. It wouldn't surprise me at all if that technological lead still exists.

It's funny, how everyone assumes New Zealand is technologically backwards, or like the UK 50 years ago, but it seems they're miles ahead of us in some areas, such as this, but miles more behind us in other ways, such as their housing insulation regulations and the fact that all their double glazing is still aluminum! I do love it there though, less populated, their government seems far less corrupt than ours, and due to the general population not being so densely packed, the people on the whole are far more pleasant and nice, particularly to strangers, which nobody has time for in the UK! I go there for about 5 months a year, and every year I dislike leaving, and every time I come back to the UK it seems significantly worse! Hell, I can't even get a doctor's appointment in my home city anymore! Might be time I looked into staying in NZ!

Thanks for the input of everyone who has tried to provide information to answer my original questions!