Using the card reader


#1

Hi,

I am thinking of switching to Nationwide via CASS from TSB. I would like to ask how much use has to be made of the card reader?
I have a digital secure key for HSBC UK which is OK as it now uses fingerprints on mobile but my HSBC overseas one is a physical device and is a nuisance as no transfers (even to existing payees) can be made without it .
I like to bank by mobile app so having to use a card reader all the time would be a real pain.
While I am asking, how do people find the mobile app?


(sam) #2

You need the card reader to log in and to pay someone new.
With the app you can log in with fingerprint without the reader, but it doesn’t work as a digital secure key like HSBC does.
If you think you’ll mainly use the app, what is stopping you using one of the app focussed banks, like starling?


#3

You also sometimes need the card reader to download your pdf statement which I find rather annoying…


#4

I am a Nationwide Flex Plus joint account holder. To be honest, I rarely make use of the card reader. The only times I really use it, is to set up new payees, but that is a rare occasion to be honest. Different people have different needs and I live quite an uncomplicated financial life. When I have to use the card reader, it’s just an inconvenience more than anything else, but it wouldn’t stop me from using the account or indeed even switching away from them. I mostly use the Nationwide mobile App, but of course if I do have to pay someone or set up a new payee, I still need that card reader, which of course, I never carry with me. I find the whole Starling App so much easier.


#5

I do! However, my wife and I have a joint account with TSB and she wants at least one traditional bank account with branches and I can see her logic. We don’t really like HSBC that much either but I need it for Global banking.


#6

Thanks for all your replies. It does sound better than the HSBC physical reader, even if a bit of a nuisance at times. As long as I only have to use it for setting up payees and statements, I can live with that. I will be applying for the Flex account which seems very competitive.


#7

If you are interested in using a referral code send me a PM. We can both get a £100 if you use a code and then switch your account to them :slight_smile:


#8

Thanks for the offer but I won’t be doing it any time soon. It will have to wait till I get back to the UK. I’ll bear it in mind though. My daughter was thinking of moving too so I might get her to do it when she gets her account. :grinning: