Chase Bank UK chat

[npc_06]

I just asked them on chat, got a reply within about 20 seconds which is crazy. At the moment they are working on Google Pay but no word on Samsung Pay or Curve support.

[qwango_uk (Stevie 🧗‍♂️🏳️‍🌈🦄)]

@npc_06

orking on Google Pay but no word on Samsung Pay or Curve support.

I would suspect you’d have more luck contacting Curve to ask them why it’s not working? Are there any other ‘standard’ bank debit cards that don’t work in Curve?

[Carlo1460]

Interesting, they do have open banking API so I wonder if that’s also due, possibly with beta testers behind the scenes? Unless it does other stuff than what I assumed ie access to other banks and visibility etc.

Also, the incident history goes back to July so I guess it’s been live for a while before inviting the Joe Public in.

[npc_06]

Good point, i’ve send Curve a message.

[SebH]

I’ve not kept up with this thread since yesterday, but I added my Chase card to Curve straight away and it worked for me?

Something may have gone wrong with your Curve account.

[npc_06]

So you added the card details from your chase app into the curve app and it worked? Mine said not supported.

EDIT: Huh, it worked, must have messed up a number last time lol.

[SebH]

Yes, exactly that!

Glad you got it sorted.

Now we need to pester Curve to do a proper card image!

[npc_06]

I wonder if using my Curve card will effect the cashback in the Case app…

Also thought it was funny how the £0.73 charge was rejected because my Chase account has £0 but it still worked when verifying the card in the Curve app.

[SebH]

Are you sure this isn’t their MCI Open Banking?

That is basically not real Open Banking at all.

[mikez]

To be fair, the last couple of times I’ve used Monzo in-app support have been around 10-15 minutes wait time.

[SebH]

Cashback should work as it is based on MCC.

Curve’s MCC pass-through means you will get cashback on the right things, but still not get it on excluded things - so like using your card directly.

I’ve not tested it yet, though, so we can’t be totally certain - that’s all theory.

[SebH]

@Peter_G

In any event, where other banks really should be trying to be Monzo - or Starling - is in the cost to service an account. I’ve said it before, but this figure for Chase will determine just how successful this whole thing is…

Yes, and there’s probably an interesting debate to be had about what their strategy likely is.

At the moment, they are obviously going all-out to acquire customers, so don’t mind a high cost per customer. But that will have to come down at some point, and how they do that will be interesting. They are probably banking on scale giving them certain efficiencies. They are also likely to market to the sort of “professionals” that they’ve already mentioned, who frankly tend to have (and spend) more money so they are more profitable customers. I still don’t think that will be enough to be comfortably in profit, though, so I think a cross-subsidy will come into play.

With Starling, that’s basically business banking and banking as a service.

With Chase, that may be overdrafts, credit cards and Nutmeg?

The other challenge is how to keep customers as they, inevitably, seek to reduce costs - in the longer term. We’ve already seen the cashback small print as being only for 1 year. But they will need to replace it with something similar, or continue it indefinitely, as it’s really their only true USP aside from their approach to multiple accounts (and that is likely not compelling enough on its own to persuade people to stay with them).

[SebH]

@N26throwaway

don’t necessarily need pots or accounts to have their own account numbers, but if I’m to use them the way I want to, I’d want them to be treated like they do and kept separate. Being able to pay into them externally

This is why they do have their own account number, if you ask me.

Unless you give each account/pot full account details, you can never pay into it directly.

Also, I think it’s partly to make the whole concept more accessible to people who often still think in terms of account numbers and sort codes.

You can tell them that their “bills account” is a true second account linked up to their numberless card. The Monzo Pot concept is more complicated, although arguably more flexible as a result.

[SebH]

@N26throwaway

Starling on the other hand, I don’t believe they have that kind of customer loyalty. Among my friends, those folks just want a pleasant modern app with push notifications and a good offer/reason to use them. Chase ticks those boxes just as well Starling, if not more so.

Other than arguably “legacy” features (I hate that term but it’s well used here so I’m using it) like:

• Post Office support
• Cheque Imaging
• Cheque Posting

Or the specialist features like:

• Connected Card
• Euro account
• Starling Kite

Of course, Starling are still in danger there because Chase could fairly easily add all of these features in quite short order.

[Carlo1460]

Tried and tested you can pay into them externally and you get a notification as you do the main account.

As for direct debits; I asked the question on Twitter but nobody responded yet, I’ll ask live chat.

[SebH]

Yes @ndrw is right.

I asked their support about this last night.

Apparently, at the moment, you can only provision Apple Pay via the Chase app.

So you can add the card to your iPhone and Apple Watch, but it’s impossible to add it to iPads or Macs at the current time.

Other verification methods are apparently coming “later”.

[SebH]

It does work with Curve, so I’d recommend using the card via Curve for Google Pay users.

[RyRy1992 (Ryan)]

The cashback element is really good, I can see myself using the card for spending. I’m in no rush to jump onboard the chase ship but it’ll be good to see future updates & what they bring to the table. Hopefully if they launch a credit card in the future, there’ll also be cashback ?

I also transferred a few quid & for some reason the notifications had taken a while to hit my phone & was wondering if anyone else was having this issue?

[coffeemadman (Jonathon 🏳️‍🌈)]

It seems to take a few minutes for me to get notifications, not as instant as Monzo.

[npc_06]

Same for me, there is definitely a delay.