Nationwide Chat 🏡

[Anarchist (Press ‘Help’ search ‘Contact us’ or email help@monzo.com or call 0800 802 1281)]

I was spending today relaxing with just one job to do this afternoon - pay for my car hire with NW CC.

Until the postman came with a letter from NW saying I had to call them urgently because my card has been restricted due to suspected fraudulent transactions.

So I do that to be told I have to go to a branch with some ID.

Now, that’s only a 20 minute drive and £2 parking, but I need the card this afternoon and I won’t have another opportunity to visit a branch until the middle of March because I’ll be out of the country.

I was half an hour in the branch being checked - mostly over the phone by some clown who had to have the branch name spelled out to him three times.

Luckily it has now been confirmed that I am me, but it has left a sour taste - and it has never happened before.

[Revels]

@Anarchist

I was half an hour in the branch being checked - mostly over the phone by some clown who had to have the branch name spelled out to him three times.

So they made you go to a branch, so you could phone someone?!

[Anarchist (Press ‘Help’ search ‘Contact us’ or email help@monzo.com or call 0800 802 1281)]

They sent a letter for me to phone them so they could tell me to go to the branch to phone them.

There have been suspected fraudulent transactions in the past, but they just phoned me on that occasion. Obviously I wouldn’t speak to them, so I called them on a number I knew to be theirs.

[Orinoco]

@Anarchist

Until the postman came with a letter from NW saying I had to call them urgently

Nothing like a letter in the mail for something urgent

[Anarchist (Press ‘Help’ search ‘Contact us’ or email help@monzo.com or call 0800 802 1281)]

I’ve just re-checked the letter. It was written on the 16th - the same day a long standing monthly CPA appeared on the statement.

On the phone I was asked if that was a genuine transaction. A regular CPA which had been in place for over a year.

When I mentioned that a transaction using Apple Pay was declined yesterday but that it went through with Chip & PIN he said that criminals sometimes attach cards to mobile devices because there’s no maximum transaction (it was for £5.63).

It seems to me that the CPA triggered something somehow but he just made stuff up to explain it away. Not to mention wasting an hour of my time.

[Carlo1460]

Complain. They’re generous with goodwill.

[gt94sss2]

@Anarchist

I was spending today relaxing with just one job to do this afternoon - pay for my car hire with NW CC.

The moral of the story here for me, is make sure you have more then one suitable credit card…

I would certainly take more than one if going overseas.

[Lightning720]

Mystery of how Nationwide lost my £3,000 in Bulgaria

[Lightning720]

I just get a bit bored during revision and just check random news sites.

I’m not expecting a big discussion. But we have a Monzo in the media so why not post the other banks in the media as well, especially when at least a few people read them and sometimes comment on them?

[Peter_G]

I find them useful. Of course, some will be of more interest and some will spark a conversation and some won’t.

As long as you don’t mind continuing to post them I don’t see the harm.

[j06 (Jamie)]

Monzo is mentioned at least once in the comments (favourably).

[Peter_G]

I was surprised to see a negative comment about Starling. I thought they were red hot about this sort of thing?

[PaulUK]

You’ll soon be able to make larger payments* in one go.

,

We’re pleased to let you know that from the end of March 2023 you will be able to make larger payments in one go. At the same time, we’re introducing daily limits on payments, to help keep your money even safer.

These changes will apply to payments you make from a current account, including standing orders and Faster Payments made to another members’ Nationwide account or to an account outside Nationwide.

Here’s a quick summary of what’s changing

It’s important to know that the £100,000 limit applies to the account. So, if you have a joint account, you can only send up to £100,000 a day between you – not £100,000* each.**

If you’re making a digital payment, then there will be a daily limit of £25,000 in the situations below:*

• If you’re paying someone who you haven’t paid before – or someone you don’t often make payments to.
• If you’re setting up a standing order using the Internet Bank or Banking app.

We’ll work out your daily limit based on who you’re paying and any other payments you set up that day. If you need to make an important payment, we recommend setting this up ahead of time, to make sure the payment amount falls within your daily limit. You can check this in the Internet Bank or Banking app when setting up a payment.

• To help keep your money safe, we may apply lower daily limits on certain payments.
  ** Please note that consents you give to Third Party Providers for variable recurring payments via Open Banking are excluded from these daily limits.

A few other important things to bear in mind

• If you have more than one Nationwide current account, the daily limits will apply to each of your accounts.
• These changes do not apply to CHAPS, SWIFT or SEPA payments.
• If you need to send more than your daily limit, you can:
  • spread the amount you are sending over multiple payments on more than one day
  • request a CHAPS payment online or in branch. Click here to find out more about CHAPS payment.

[Anarchist (Press ‘Help’ search ‘Contact us’ or email help@monzo.com or call 0800 802 1281)]

@Carlo1460

Complain

I received a customer satisfaction survey and left fairly negative feedback, with the intention of complaining later.

However, because of the negative feedback they contacted me yesterday and we had a chat about the experience.

They’ve reimbursed me my expenses (£2 for parking and £3 for petrol) and added £25 as a goodwill gesture.

So, all in all, they’ve put it right proactively.

[Carlo1460]

That’s some good service to be fair!

[Anarchist (Press ‘Help’ search ‘Contact us’ or email help@monzo.com or call 0800 802 1281)]

@Rexx

Have you experienced this often with Nationwide? Or with any other banks/bs?

I’ve had a Nationwide CC for decades and been contacted maybe three times in that period, but it’s always been dealt with by a quick phone call (calling them back, as you said).

[dinosm]

@Rexx

Have you experienced this often with Nationwide?

In the past few years I’ve had my Nationwide CC detect maybe 3 or 4 transactions as potential fraud, block my card, then I had to text ‘yes’ to the SMS question if it was me, or I had to call.

Overall, my recollection of all the recent incidents is that they were transactions I did regularly, so really shouldn’t have flagged as anything out of the ordinary. It does feel like their system has changed a bit to the worse lately - back when I first got my credit card many years ago, the fraud checks were much more logical (e.g. first spend on holiday, first big spend in a long time after only spending <£50 per transaction, etc).

[Anarchist (Press ‘Help’ search ‘Contact us’ or email help@monzo.com or call 0800 802 1281)]

I’ve just received a replacement Nationwide Credit Card, and it’s quite a bit different from my 3 year old one.

It is RNIB “Tried and Tested,” with a notch at one end and four raised dots to signify that it’s a credit card. Also the card helpline numbers are now legible without using a magnifying glass.

The CVV2 has been moved to the right of the signature strip and it’s valid for 5 years, which is a first for me.

Oh, and it’s blue, rather than silver, but a different shade of blue to the Debit Card (Monzo card designers please note).

[Orinoco]

I’m still debating having my credit card switched to the Member card as I prefer that design to the blue one.

[Lightning720]

Got my February supermarket cashback today! A grand total of 76p!

Im in catered halls at uni so dont shop much