Nationwide ATM Problem

[somebody]

So they should be, after all some of our tax money is going north of the border.... And we get naff all for that....

The rest goes to Wales doesn't it

[aromulus]

The rest goes to Wales doesn't it

I wouldn't see anything wrong with that if it did get here....

[Plonker]

Usually when that happens the funds will bounce back into your account, the atm might have no cash in it or is simply unable to proceed with the transaction. I've had that here in the UK as well as in Manila.

I'm with HSBC and I found out by accident that I had to notify my bank 24 hours prior to going to Manila, so that my bank could put a travel marker on my debit and visa card, the travel marker unlocks the cards so it can be used in Manila or any international destination. Its one of these new security things, maybe your bank has already implimented it. So that might be the reason why she cant get money from the atm.

[David House]

Nationwide do not restrict their cards for international travel. Read their website, there is no need to advise them of your travel plans although other banks do ask that you do so. Heavy use may trigger a security block requiring a call to release it, hence my use of Skype to enable easy UK calling.

[joebloggs]

Heavy use may trigger a security block requiring a call to release it, hence my use of Skype to enable easy UK calling.

doesn't even have to be heavy usage, any thing unusual maybe trigger a block on the card, my Barclay card was blocked after a couple of small transactions for a couple of £ each, used to make a call from china and buy something from inside china.

Barclay card fraud told me, it looks like they were trying the card number out, to see if it was valid/active by making small purchases, but Barclaycard locked the card just in case they tired to more expensive purchases, they told me if the first purchases were more expensive they probably would have allowed them

[somebody]

Nationwide do not restrict their cards for international travel. Read their website, there is no need to advise them of your travel plans although other banks do ask that you do so. Heavy use may trigger a security block requiring a call to release it, hence my use of Skype to enable easy UK calling.

I have noticed very few debit or credit cards we have used are restricted for international use. I think most companies dont really want you wasting their time as its delaying them dealing with other customers. Some pay post in on their website but many travel and never bother and never notice.

But i do know when people have either found out that there was an issue with their card being cloned. That or had them blocked when they are or have been abroad is done for totally random events. Like Joe says.

I have had a credit card company ring me up for two uses of my card in quick sucession and then used my credit card in three contients in less than a day and nothing happen.

I do know from experience if say a company delays processing a payment form your debit card (some uk based shops in the past have not gone though for a couple of weeks in my experience) this may with some software if you then use it in phill or wherever abroad confuse them as the same card is used 8000 miles apart at the same time.

I know of people who have had this happen, a quick phone call sorts it out. But thats not always easy when in the middle of no where and unsure why its blocked or not working.

Credit card use in phill is rapidly changing i remeber only mastercard being accepted in many places in 04 by 05 visa was everywhere. But most from memory dont use chip and pin which is a good on the point of the bank covering any losses but not so good as its so easy to have someone misuse it.

[PeterB]

Credit card use in phill is rapidly changing i remeber only mastercard being accepted in many places in 04 by 05 visa was everywhere. But most from memory dont use chip and pin which is a good on the point of the bank covering any losses but not so good as its so easy to have someone misuse it.

Most stores do, now, have 'chip and pin', although it confuses the cashier when the machine requests pin entry. Even when a chip and pin system is used, most cashiers still ask you to sign the slip!

[johncar54]

Most stores do, now, have 'chip and pin', although it confuses the cashier when the machine requests pin entry. Even when a chip and pin system is used, most cashiers still ask you to sign the slip!


Just after the pin and chip came in I used to have arguments with shops in Glorieta in Makati when they wanted the pin, plus a signature plus ID.

Incidentially. When I use my card, which is on a Spanish bank, in Spain (its restricted to Spain) I get an instant text message and a request to notify the bank if it was not my transaction.

[somebody]

Most stores do, now, have 'chip and pin', although it confuses the cashier when the machine requests pin entry. Even when a chip and pin system is used, most cashiers still ask you to sign the slip!

Wow major changes in the last 5 years then with regards the use of cards in the shops. No wonder the sales assitants are finding it complicated.

No wonder the bank atms are getting slower the amount of data going back and forth if chip and pin is implemented. We all have been in that situation when on a busy saturday in the UK the chip and pin or atm in the uk take for ever or sometimes times out and they have to restart the request.

[PeterB]

Nationwide do not restrict their cards for international travel. Read their website, there is no need to advise them of your travel plans although other banks do ask that you do so. Heavy use may trigger a security block requiring a call to release it, hence my use of Skype to enable easy UK calling.

Hmm... I made a couple of ATM withdrawals and my card was then blocked. It was even blocked a second time, after I had already notified them of my permanent address in Phils. Imagine that conversation:

"Yes sir, we blocked your card because there had been some withdrawals in Philippines"

"Have you looked at my address? Where do you expect me to make withdrawals?"