Natwest Chat ♻️

Does anyone know how long it takes for a new credit card to show up in the app?

And what’s with this biometric authentication? I have fingerprint set up, which is by far superior to face ID on Android and to voice ID on… anything, and yet the app still won’t let me do things like rename accounts without setting it up. But it also won’t let me set it up as apparently I’ve only just started using the app (I’ve had it on this phone since December and open it regularly as I have a regular saver with them).

Every new thing is done via overnight batch processing essentially. Working days only.

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Ah ok.

Don’t computers work during weekends? Did AIs form a union already? :face_with_peeking_eye:

No the hamster takes a rest

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My recent one with RBS (same systems as NatWest) took two nights to show in the app.

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I assume theres some sort of cut off point!

Holy moly. How slow are legacy systems!

The credit card showed up on the next business day. I could add it to GPay, though I haven’t tried to make a payment with it yet.

That’s where the fun stops.

It’s been several days, and only today I received the credit agreement as a PDF in the app.
Now, I still cannot see the full card details in the app (so I can’t use it online yet). If I tap on the relevant option, I get ‘something went wrong’. Support says the details will show only when the card has been sent out in the post, and it hasn’t been sent out yet.
But the card number has been issued as I can see it in the PDF documents. How disjointed.

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It’s a legacy bank. It looks fairly modern when you look at the app or web banking but sadly any new account openings are measured in days.

It’s all fine once it’s setup, just slow getting there

I can guarantee you whatever legacy NatWest are showing here can absolutely hands down be beaten by Lloyds. It’s fine till it isn’t.

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Until you try setting up a new standing order and they tell you it takes two days and can’t select the current day or the next for it to start.
With LBG your standing order takes effect immediately.

Natwest group DDs also do not show in the app until the first one is paid put (or the night before). I have had many friends get confused over this, wondering if their DDs had actually been set up at all.

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Neither do Lloyds either which I found disconcerting, at least with HSBC they showed as upcoming a few days beforehand.

I am talking about the DD itself being listed that it was set up, not showing that you have £support@malaika.uk coming up.

If you set up a Natwest DD that will be taken for example end of June, it will not show up at all in the app till June when the first payment is made.
Other banks will show it your list of DDs even though first payment has not yet been made.

Edit: see that ID mobile DD was set up in December, no payment taken yet. For the Home retail group DD that was set up April last year, still shows.
With Natwest these two would not be on the list.

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Ah I see. I had remembered that it didn’t used to do this, slightly surprised to see that’s still the case.

Ah legacy

They proudly have it on their website.

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You can message them and they will send you a list

What did I start… :sweat_smile:

Also, what’s with this ‘Biometric approval’ thing?
It doesn’t seem to be needed for anything other than the least-likely-to-need-extra-authentication feature: changing an account nickname. Apparently I need ‘biometric approval’ to do that. And I can’t get biometric approval set up “just now”, since I’ve “only just started using the app on this device and so this feature is locked. Continue to use the app and please try again later.”

If this is an extra security feature, how dumb is it to keep it ‘locked’ until I use the app more? Mind you, I can transfer money in and, most importantly, out of Natwest via the app just fine without this biometric approval thingy (which seems to be entirely separate from the usual fingerprint authentication for login and transactions, which works just fine).

Oh Natwest what happened to you!?

EDIT: I should say I’ve been using the app on this phone since December.

where is the efficiency from this? Could it be the reason why their live chat agents take over two hours to respond?

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Yeah I wasn’t sure why that was needed either. At a push potentially if it could be abused somehow but seems like a stretch.

They completely got rid of the feature previously because it was being abused by scammers I believe. When it returned it required biometric approval.

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Apparently ‘Cora+’ is already a thing? :thinking: