Seeing as this was just announced yesterday, I imagine it's not been discussed internally in large amounts yet. But seeing as it seems the banks need to support the payment system for you to be able to add your card to Passbook, I'd really like to see Natwest do it. And as it uses TouchID, can we please not have the £20 max spend when using Apple Pay as it's more secure than contactless cards?
It may well be supported out of the box because of VISA with no work from Natwest needed, but best put the idea through sooner rather than later.
What with iOS8 coming out very soon, I'd love to see TouchID become a login method for the mobile banking app now that 3rd party apps can use it. It's far more secure to be touching the home button than typing in a passcode that someone could view over your shoulder, and way more convenient.
Would it be possible to increase the size of the payee reference field? I’ve been asked to include a lot of information in the reference for an online payment, which I can’t fit in the current field. They say I have to include it or their system won’t work, so it’s not clear how to make the payment. I have another account where the payee reference field is much larger, I’ve never managed to fill it all.
Let's face it, nobody likes the card reader we have to carry round for online banking. You want banking to be easy, not require lots of fuss. So a way to generate those codes on your phone would be great, it doesn't even have to be via the same app. You'd give it your details, maybe a passcode if you must (or TouchID for iOS!) and then it gives you the code to give back to the system.
Are there any plans to upate the designs of the NW debit cards for both Silver and Platinum account holders, I have both a Platinum account and a basic select account and it is difficult to differentiate between the two.
Back in the days of the Advantage Gold account we used to get Gold coloured cards, for £16 p/m I would expect something a little better than a standard purple card which is issued to everyone...
Having several times in the past few weeks used an ATM in branch to withdraw cash (customers are urged away from the use of cashiers towards the ATMs for this), and having received amounts around £200 in £10 notes, which was unsuitable, meant having to then spend time to talk to a human being to exchange the notes for more suitable denominations (such as all £20 notes).
It would be very much more convenient if at the point where cash is about to be dispensed, that the ATM could offer to change what the machine was about to choose for the denominations. If for example the machine had no £20 notes left, and could only offer £10 notes then it could have a line saying "£200 as 20 times £10 - accept?" - and at that point the customer could click "yes" to go ahead, or "no" to change to a different combination of notes. Even better, if the ATM had no £20 notes left in its supply, then it could say so on the screen before the customer even put his/her card in the slot, and thereby save the customer's time and frustration at the ATM and go straight to the cashier instead.
It would not be difficult to have a small on-screen menu for the number of £20 notes wanted by the customer before cash is dispensed, and let the ATM then choose the remainder for example.
In the situation I described at the start of this post, the suggestion above would have saved me time, but also saved the cashier's time in getting me the desired mix of notes, leaving more time for the cashier to deal with other customers with issues that could not be done on an ATM.
The other scenario is when customers lose faith that the ATM will give a sensible combination of notes for a cash withdrawal, and go straight to the cashier as the preferred choice, and ask for specific sets of notes for a cash withdrawal. Having the ATM with a bit more flexibility in its software design would save everyone's time - both the bank and the customer. I know that in the USA there is a new range of smart ATMs being rolled out that will have more capability than the standard ATMs but before the new range of ATMs comes in to service, presumably in the UK also, perhaps the existing ATM system code could be changed to accommodate a smarter way of issuing cash?
With increasing risk of cyber attacks in many different guises as time passes, it is important to try to set up every system as securely as possible. There is a potential weakness in the way that Natwest customers are currently asked to login online.
When customers log in to their online current account, and savings plus credit card accounts, the current NatWest system requests specific characters from the password and pin. It is good that the entire set of characters from both is not requested during any single login, and when doing so from a normal home computer, that is well set up and with up to date antivirus signatures plus up to date browser plugins, then there should be little risk of anyone else stealing login information on a laptop or desktop running an up to date version of Windows. Users with linux operating systems are less likely to be victims of this particular kind of malware. However when customers log in from a laptop connected to open wireless networks in airports, or other public places, or if customers use public computers particularly away from the UK in holiday resorts, then the risks of criminals stealing the login information increases, particularly if the computer concerned has been compromised by one or more viruses or similar malware that can keep a record of keystrokes and send them back to the criminals.
Since the login process requires the customer to "type" in specific characters, in the event that a future login requests the same specific characters from the password/pin then the criminal has the chance to login and steal information or make changes to the customer's account.
One way to potentially mitigate that risk would be to change the Natwest online login code for the Natwest web servers, so that the customer is no longer requested to "type" the required characters during the login process but to select them from a pull down menu. Since the customer will no longer be "typing" the required characters then even if a keylogger malware code has been planted into the operating system it will be less likely that the customer's account details will be compromised.
If it is possible to pass this email to the team who deals with security matters for Natwest perhaps they might find this suggestion something that might be implemented to increase online safety?
I have a payee that make periodical payments to and it's very time consuming to have to go to payee in order to change reference each time I make payment. It should be an editable field during payment allowing you for example to put a new invoice number that changed.
Hi Natwest, I have a really straightforward question:
when are real time transactions going to be re-instated???
If we had never had this functionality, then fair enough, but having had it and then it being removed, feels like a huge step backwards in customer service.
When real time transactions were in place, I understand (from your previous responses) that you were receiving a large number of calls from customers who queried their balance, hence the change in functionality.
I would be really interested in understanding how many calls you now receive from customers querying which transactions are making up the difference between the headline balance and the available funds? Have you just moved the number of calls from one set of customers to another??
Hi, i have raised this issue more than once, as i feel that the real time transaction should be re-instated, in this day of age, we should be able to know what's going on in our bank account, imagine we have made a purchase, wait for another day or 2 for the debit transaction to complete, what's if that transaction went wrong and we as a customer would like to find out what/where and when the money gone out.
I am writing to tell you of a particular frustrastion which I am sure you could easily resolve.
I have never understood why I have to go all around the website to find the fixed rate ISA rates being applied to my various accounts. Surely, as you get with other providers, that information could be detailed in the acount detail option? Fixed rate ISAs are a particular problem, as not included on the interest rate sheet/window along with cash ISAs.
I just think your system knows what kind of account it is, when it was opened and what rate is being applied so it should be very easy to include this what ever the savings account in the account detail for the customer. Save a rather circuitous trail by us to find out. It is just too difficult and frustrating. Time to catch up with other providers I think. Thank you
I'm an RBS employee within Change Management.
I recently moved house, called NatWest to update all my addresses, they would only update my current account and not my credit card account. Result is I haven't got around to changing my credit card address. This process may be convenient for NWB but it is bad for the customer and leaves them to do our legwork. We should be providing customers with single point of contact for simple requests like COA.
I've recently taken out a credit card with Natwest, however this month I've accidentally paid my minimum payment twice because I just saw the "due before the 19th August" notification and thought it was better to be safe than sorry.
It would be very helpful if when using online banking and making a payment from a debit card to a credit card, there was some indication saying "you have already paid the minimum for this month", while still having the option to pay more. That way customers are less likely to pay more than is required, and will also feel safer in seeing the confirmation, knowing the bill for the month is paid.
When I look at online banking all I can see is 'NOTEMACHINE 01MAR' that doesn't tell me anything. If I made a few cash withdrawals at different places I want to know which one is which.
01MAR Nationwide Chelmsford
03MAR Natwest Gatwick
Would it be psosible for customers to choose their own packaged account? Maybe called "Select Combine".
Customers might not always want travel insurance but want mobile phone cover.
This way the package is more aligned to the customer and are more likely to hold onto the account package for longer.
As I get older the delay before the online banking times out seems to be getting shorter.
Is it possible to put a tick box on each page that will reset the timeout delay, in the way that navigating away from a page does?
If this is not possible, then perhaps the period left before timing out could be displayed.
Or perhaps the computer could beep when only 30 seconds remain.
Having to log in two or three times in the same session is not my favourite pastime, nor incidentally is finding an American spell checker on a British bank website.
When paying in at automated machines with cash / cheque it would be good for the system to be able to email a copy of the receipt with copies of the cheques rather than printing them on paper that could be lost. This could be stored and sent as a PDF and held by the customer.
It would be great that on-line banking could even hold a "receipt store" linked to their accounts.
How joined up would that be!
On my partners Barclays mobile app he can generate a security code via his mobile app rather than using his card reader. can Natwest look at this as I have about 5 card readers in various locations and they are never where I need to use one! very frustrating.
There's topics on everything from getting to grips with the mobile app, to understanding international payments.