Barclays - only self service on Saturdays nowadays - fucking annoying!

I'd just grab husbands card, he would grab mine. But if I was single other bank accounts would be sensible. I keep a cash float in the house too.

Great outcome this time but take heed and protect yourself from this in the future. It’s entirely in your control and would recommend a back up account (or 3). Never have a single point of failure!

Even if he works in a fraud department in a bank?

I think he has more knowledge than you, a complete stranger who swears on the Internet.

Why on earth would you get that angry over banking?

Do you work in fraud in a bank? No. Then what do you know

Your friend is talking uttter bolloxks of course.

As i said I also work in a bank. I work a lot with the fraud department / financial crime unit. As they are constantly trying to prevent fraud.

So your husband is not the only person that works in financial crime.

Google pay/apple pay is classed as very high risk security in our bank.

Anyway we can move on now.

OP has found her bank card. Great.

"Most banks haven’t had a counter service on a Saturday for over a decade."

You're mistaken about this, at least when it comes to Barclays. I live in a city of 200,000 people. Up until 2022 there were three Barclays branches that had a counter open on a Saturday.

They then closed two of the branches altogether in 2022 leaving just the main branch open. The main branch had a counter service on a Saturday up until about 8 or 9 months ago.

My husband works in financial crime for a UK bank. This is not correct. Scammers target online payment but not Google/Apple Pay because of the encryption. I think you have misunderstood.

😆😆

I’ve spent about a minute googling and can’t find anything about this (other than you don’t need to unlock for under £45, because you wouldn’t need to for a contactless card).

I also can’t see anything about ApplePay.

And NFC works at less than 5cm so your phone does need to be close to pay…

Instinctively everything about it feels safer and I can’t see anything from a quick google or on this thread that convinces me otherwise… but I would be interested to know if I’m missing something! I

s the security issue just if you lose your phone? Because it’s still safer than cash and equivalent to a debit card.

I hear you, if there are others much closer, but five branch closures later, it's reached a stage here where it takes almost as long to get to a Barclays with shorter service hours, a stressed 'greeter' trying to insist on machine service only, huge queues for a single cashier, staff available to sell product, but not to deal with account issues, and the latest issue: reticent to provide coin change for those of us who need it for machines.
I now have to drive to get to a bank so it's worth the bit extra to get to a Metro and have a better experience in a more helpful customer focused bank.

Ah that's really lovely.

How amazing.

That homeless man wouldn't have knkwn who you were if you hasn't helped him in the past.

So you being kind, helped you to get your wallet back.

Also that homeless man is just also a lovely man himself, is he could have just thrown it away if he felt like it.

It's lovely all round

I learnt this the hard way.

You can't just have one bank account and one bank card.

It leaves you at the complete mercy of that one bank card. It's so easy to lose a bank card and it takes a week to get a new one.

I always carry three different bank cards now. And I carry them in different places. I have two in my bag and one in my card holder in my trouser pocket. So if I lose one, I'll have the other one

OP You're lucky to have a bank that is open at all let alone a counter service on a Saturday!

I live in London and there is no branch of Barclays open anywhere near me at all. I have their debit card and other banks credit cards to use (although they are not all in use and are kept at home). I do all my banking online. Luckily I have a Post Office locally where I can get cash if I need it.

Keep some cash safely at home for emergencies ?

Our nearest bank (of any branch) is a forty minute drive away!

Luckily we can use the Post Office if needed but I have to be honest, I haven't needed to go to an actual bank in almost a decade.

Not any more it isn’t- it announced in March it was stopping that as they are losing so much money.

My local Barclays Bank is cashless!

Metro Bank is open 7 days a week.

I have to take a days leave to go to the bank.... And I bank with a big brand that isn't Barclay's.

For those saying switch to metro Bank - apparently my closest is 2hours drive away...

Barclays has systematically closed it's branches across local areas here so that it's become less and useful to have an account with them. I still have a back up one with them but Metro are doing good service, good hours and (sadly not as good as they used to be) and immediate replacement of lost damaged cards, so they can have use of my money.

Monzo or Starling are good to have, they make it super easy.
I wouldn’t use Revolut-they don’t have a UK banking license (they have Lithuanian) and you don’t have the same protection as with a UK licensed bank. They aren’t “dodgy” but it’s important to know that they aren’t actually a bank in the UK.

Interesting what is being said about Google Pay. I have Apple Pay on an iPhone and yes my walled is automatically opened when I stand near some ticket machines but I have my card set up so I have to double click to authorise a transaction. I use Face ID to unlock my phone and then I’d say that Face ID is triggered only 50% of the time to allow me to use the double click to authorise payment via my wallet.

I was against contactless for a long time but now I’m all in. On holiday having to carry cash was very annoying.

For emergencies I have 50 euros in a jar at home.

Slightly off topic, has anyone been able to use Apple Pay with a phone that has run out of juice, according to the internet It can be done.

There is a Lloyds branch in my city, which is a blessing for ‘large’ transactions that their fraud department find triggering when done online.
Not sure about Barclays, they seem to attract anti-Zionist protests on Saturdays at the moment so I steer clear.

Yeah I have three accounts with different banks. And i have three bank cards.
it's important to do that I think.

If you only have one bank account, and one card. If you lose the card, it makes everything very difficult.

Now if I lose one card, I have two others as back ups.