Not saying the interest & overdraft are bad, my criticism was more about the fact it’s still legacy as hell, the app is meh, support is as you’d expect and bullshit charges all over the place (try get a direct debit declined and enjoy).
I respect the fact a bank has to make money; but I wish the charges were linked to something tangible (overdraft fees, cash deposits, sending out a new card, etc) rather than nonsense. It doesn’t cost anything to decline a direct debit, and the worst is that when you start getting DD’s declined is probably the worst time to hit someone with fees since they’re already going under.
If they wanted to make money I’d rather pay a monthly flat fee.
Support for Nationwide is honestly one of the best in the UK imo. They reply to twitter at 2AM, they answer my calls within minutes and the branch staff have managed to make an introvert with anxiety to the point I can’t talk to cashiers, feel welcome.
Would they actually help you out if you had a real question that isn’t on their script? Or will they just fob you off with “you’re using it wrong”? This for me is the difference between the modern banks and the bullshit ones. With a modern bank I can easily escalate a technical issue to the engineering department if I need to. Impossible with a legacy ones (I had no luck trying to get a legacy bank to investigate an issue with how they calculated the “left to spend” during daylight saving time - it was giving nonsensical numbers for one hour after midnight every day, and even authorising card payments based on that wrong amount).
Also regarding Nationwide specifically, I had a disaster trying to dispute a payment. The first time I called they assured me everything was done, but after a month with no refund I called back and it seems like nothing was done the first time because they payment wasn’t settled yet, and now they asked me to send some proof via email… to an address whose mailbox was full (should I buy a box of hard drives and mail it to them? ), and the person on the phone had no idea how to proceed after that (nothing about maybe just sending it to her company address and for her to do the necessary the next morning when hopefully the tech team figures out the issue with the mail server).
but a flat fee for investing my money to make mibey and paying me a little interest is dumb.
But then again they have to finance branches and tons of monkeys to make up for their horrible systems that don’t allow the customer to do much online… (turns out if you do allow customers to manage their account properly online they’ll have less reasons to call and speak to someone… shocking I know).
I can just pester my local nationwide branch until its sorted though.
When I try to do that they tell me what I already know (make a complaint, send a paper to X address, call X number, etc) and they can’t do much else… and if I keep pestering them they call security.
The only convenience I see from a branch is that when you need to mail papers, etc they usually are nice enough to print them out for you if you don’t have a printer… but this is a manufactured problem as ideally you wouldn’t need papers at all and can do everything online.
Yes yes… it better to wait 5 days in Monzo chat for reply!
Not saying Monzo is perfect here, but I’d rather wait 5 days than take time off from billable work to go to a branch just to be told to contact X number or send a letter and then still wait 5 days.
In the meantime if the Monzo CS is too slow there are other modern alternatives like Starling.
We need a Nationwide thread!
In paperwork Nationwide is in front of the queue:)
Tons of paperwork.
I opened current account online…
Received a letter
Send it back to Nationwide
Got another letter that I need go to branch with my ID
And after few weeks I received my card
I don’t understand why they even bother to allow you to open accounts online if you have to deal with papers anyway. They might as well just make you go to a branch once to get all the necessary paperwork done and provide ID.
So I used my starling card for the first time in a while last night while buying groceries in tesco. Everything went through fine, got my receipt, and left the store. When I got home I went to check my balance and noticed the transaction wasn’t showing in my feed. I found this strange but thought it was perhaps a bit slow to update. I checked again this morning and the transaction still isn’t on the feed. I spoke to customer services who say the transaction was declined (it wasn’t, I have the receipt to prove it) and that something must have went wrong on tesco’s side. So it looks like I have got my weekly shopping for free
You got an answer in less than 3 days from customer services? Impressive.
Yeah, only took a few minutes. There a nice little Facebook messenger style bubble that appears when you start a chat so you can use others apps and not miss a reply. It all worked pretty well.
I wouldn’t go Spending that money just yet, they’ll probably present the payment and it’ll still be taken I would imagine.
The bubble thing is handy, shame it only works with Android. Leaving the app in iOS kills the conversation off still unfortunately.
I had similar with monzo, a few days later the transaction showed up.
But keep us updated I’m curious.
It does work on iOS, just not properly. If you leave the app for less than 2 minutes you also get that behaviour.
Good for her and Starling - It’s nice to see them trying to interact more with their customer base in their own way.
Just because the forum didn’t work very well, it shouldn’t stop them from trying to engage the customers.
Good luck to her, I hope everyone gets a lot out of it!
I just hope people give her the respect she deserves, and it doesn’t become a trolls day out session.
Oh the questions I could ask…