Just a random thought, but does anyone else really like the Nationwide website? Since they updated it, it looks so much better. Hopefully they do something with the app at some point. It’s not bad, but it could be better.
Rarely use the website tbh.
App does what I need to do.
I may take a look now 
The online banking is still outdated, but the main website is what has been updated.
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That’s a shame - maybe it’s next on their list!
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I wonder if this will signal more a change of direction for TSB or Nationwide? (Or both, or neither?)
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I’m not too bothered. It looks a bit rubbish but works well. I’ve always been able to do what I needed to do with easy.
I’d love them to replace the blummin card reader.
Or at least give us an additional alternative, similar to Barclays PIN Sentry.
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I don’t find the card reader annoying but at least they allow a code in a text as an option for most things.
Well mine is locked in my safe with my debit card, so always a faff tbh
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I agree, the card reader is extremely annoying and is a dealbreaker for me.
Poor quality transaction data on Faster Payments is a similarly major issue; if another Nationwide customer pays you their system processes it as an internal (to Nationwide) transfer, rather than a Faster Payments transaction, so you don’t get proper data on who paid you. That sort of annoyance makes them simply too fiddly to seriously use, in my book.
Barclays have the physical and digital PINsentry, showing that it can be done. Even NatWest have now developed the alternative of Biometric Authentication. Co-op ditched the card reader about 3 years ago. Nationwide are the last bank (yes, I know they are not a bank) standing to require a card reader and have no alternative. This basically means that you can’t pay someone from your phone when out and about, which is a major issue.
The text code thing doesn’t count as you are not allowed to use it for authorising a payment.
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This 
What use is a load of numbers, with no other contextual data? 
And seeing lots of transactions in a feed (not unique to Nationwide here) with just my blinking name, again with no additional information, is absolutely useless. Told Lloyd’s this yesterday, reference incoming faster payments from accounts in my name but with no visible transaction reference, which I create for a reason, and their response was, “Oh! I thought it would!” Really 
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With Lloyds, if you tap on the transaction for the Faster Payment (or Standing Order etc) it opens another screen which displays the reference.
That’s better than Nationwide where they don’t show the reference at all. They let you use a reference when you send a payment, but then they don’t show it on the sent transaction, which is just stupid.
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It does on my outgoing, but not on my incoming. That’s what I was trying to explain.
That’s strange because it does on mine. It shows references for both incoming and outgoing payments to and from external accounts. The only time it doesn’t show references is a transfer between my own Lloyds accounts, but there’s no option to put a reference for those, so there’s nothing to show.
Unless you mean payments to and from a Lloyds savings account, as those accounts don’t use references, but they should show on current accounts.
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Just double checked. I got it wrong way round and how your paragraph may explain issue.
Faster payments IN, show reference.
Faster payment OUT, which is to Halifax, does not.
Lloyd’s and Halifax same group, so perhaps treated like internal payment structure.
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I think it does “reveal” the sort code and account number, which aside from being a potential data-protection issue (as discussed here before) would actually allow you to reverse-engineer who had sent the payment by typing in the details to another bank and running Confirmation of Payee on it. Not that I’m suggesting that’s any sort of solution, but at least it would help you out if you genuinely had no idea who the payment was from!
The reference doesn’t show in the transaction list at all, but if you click on individual transactions (not quite for all transactions, as explained) you can see it there. I also use the reference field to reference which of my own accounts I’m transferring to/from, though, so I do understand how irritating this can be.
But it does, at least, get sent along with the payment so the reference should show on the receiving account. Again, though, making payments in general at Nationwide is just almost impossible - you always have to get out the card reader, and I leave that in a drawer at home. Frankly, I’m too lazy to go and get it out if I’m in a different room of the house (because why should I?) - it’s easier to just use a different bank.
My “workaround” with Nationwide is that I have some of my other accounts as saved payees, so if I want to make a payment to somewhere else I pay myself (at a different bank) first and then make the payment from there.
Only as long as the receiving account isn’t a Nationwide account.
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Of course, as documented above!
But if I noticed that somebody’s sort code was Nationwide (07), I’d probably suggest that they use a different bank to be honest.
It’s quite ironic that this thread started with the news that Nationwide were making a big investment into their technology, over 3 years ago, and yet these major issues have persisted without improvement for all of that time. I’m slightly at a loss to explain what they’ve spent all the billions of pounds on, especially when they said it was to be over a four year time frame (which is ending in about 9 months).
Hopefully a lot of big improvements will be ready by then, but I’m not holding my breath at all!
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I wouldn’t blame you. Nationwide used to be my main account but I rarely use it now because their internet and mobile banking are lagging a long way behind most other banks.
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