My new bank card will let me buy stuff at a checkout, but won't let me access my account from an ATM

[classic33]

Are you saying that Lloyds told you what your PIN number was over the phone?

The PIN number isn't held on record. It's why they send a new one out.

 

[accountantpete]

 

[presta]

The PIN number isn't held on record. It's why they send a new one out.

That's my understanding too, in which case how did a phone call establish that he had the digits the wrong way round?

 

[classic33]

That's my understanding too, in which case how did a phone call establish that he had the digits the wrong way round?

Simple suggestion to check the number, as given, and try again with the correct combination.

 

[stephec]

Get a Curve card for free and link you RBOS card to it.

Thanks, might have a look at that.

 

[Pat "5mph"]

Are you saying that Lloyds told you what your PIN number was over the phone?

I was wondering about that!

Simple suggestion to check the number, as given, and try again with the correct combination.

Makes sense.
Mind, I think 3 times is the max before the machine eats the card.
I once got a card taken off me by the cash machine: the pin was correct ... for another card

 

[classic33]

I was wondering about that!

Makes sense.
Mind, I think 3 times is the max before the machine eats the card.
I once got a card taken off me by the cash machine: the pin was correct ... for another card

They've upped the number of contactless payments permitted before the card has to go in the reader, and the PIN entered. Stands at five for most cards these days.

Still know the number for a card last used 24 years ago.

 

[Accy cyclist]

Your cards don't develop a bum shaped curve after they've been pressed in your back pocket do they? If so, you need to make sure they go in your wallet the right way round: so that it's a convex curve, not a concave one. That way the curve is pushing the chip contacts closer to the reader contacts and not moving them further away.

Are you saying that Lloyds told you what your PIN number was over the phone?

No, they told me I'd tried 3 times at the ATM using the wrong number, and once in Tesco when I'd got the pin correct, hence the successful transaction and then the blocking of the card after I'd tried the wrong pin 3 times. The one I was taking to didn't give or ask for my number, she just said it was wrong and she'd cleared the card to work, if I used the right number. I have my card pin numbers written in biro on the inside of a cupboard door, with L for Lloyds, H for Halifax and A for American Express next to them. on pressing the pin for Lloyds today the card worked and I was allowed to access my Lloyds account successfully.

 

[Alex321]

Ahh, I have a basic Samsung android.

Unless it is very old, it ill have Google wallet preinstalled (and probably Samsung Wallet as well). If not, you can install it from the app store.

 

[Alex321]

The app will ask you to either input the card details or use the camera to scan it in. The app will then check with your bank it is allowed as not all accounts, cards, banks do.

Once all up and running its is good to use. When ready to pay you open the app. Most phones have a quick access, often a side button on the phone. It will then require the phone to be unlocked however you have that setup (Face ID etc). You then present your phone to the shop reader like you would a contactless card. It then processes the payment and gets takes from your card.

You don't need to open the app, just unlock your phone. You only need to open the app if you have multiple payment cards associated with it, or if you ant to use a store card such as Tesco Clubcard, Nectar, etc.

You can have multiple cards and choose which you choose at the point of payment.
There is no limit other than what the shop may set. You can pay thousands.

Most shops still have a relatively low limit - usualy £150 or £200, but still more than if using teh physical card contactless.

Your unlocking of the phone is what makes it more secure than a physical card.
You can still use your physical card and worth keeping on you in al see phone battery dies.

Indeed.

But I think in the last few months, I have had to use the physical card just once, apart from transactions over the shop limit.

And having just come back from a week in Sardinia, I didn't find a single shop/restaurant/gelateria that didn't accept it.

 

[Alex321]

They've upped the number of contactless payments permitted before the card has to go in the reader, and the PIN entered. Stands at five for most cards these days.

Another reason for using your phone. There is no limit on that (or if there is, I haven't reached it yet ).

 

[Accy cyclist]

View attachment 778999

She won something like £250,000 which was like winning many millions in those days.

 

[classic33]

Another reason for using your phone. There is no limit on that (or if there is, I haven't reached it yet ).

How do you expect to put your phone into the card reader?

If I remember right Apple have no payment limit, android systems have the same limit as the card you've linked to it.

 

[Jenkins]

That's all you need.

Download Google Wallet from the Google Store and follow the instructions.

Much more secure than chip and PIN.

Banks are very pro wallets.

The phone does need to be NFC enabled - if @Dave7 has an older Samsung it may not have this feature

 

[Jenkins]

Another reason for using your phone. There is no limit on that (or if there is, I haven't reached it yet ).

Chase occasionally ask me to verify myself when making a phone payment (phone already unlocked) by using the fingerprint sensor before re-tapping the terminal to make the payment.