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

I've found Barclays a nightmare to be honest - if they didn't have a bank account that was good for avios points I wouldn't be using them.

Second the idea to have a few different accounts. A Revolut or Monzo would be good, I transfer some "pocket money" to my Monzo account every month and have my Barclays account as a back up and for bills etc.

Always have more than one account and I keep at least one of the physical cards at home.

I only use my phone to pay for things. The nearest bank to me is a 40 min car journey. So in reality I never go in a branch. I haven’t been in a bank since my daughter was born and she’s almost 5.

Could you be any more condescending and rude.

"Do your own research".

Eh I work in banking and I have attended multiple fraud presentations.

I think I know.

Google and apple pay are hugely unsafe , and cause a huge amount of fraud problems

My friends are not talking bollocks.

I work in banking myself.

My friends are my colleagues. I have a lot of friends who work in the fraud department. I have attended a lot of workshops and presentations on how to minimise fraud for our customers.

They have shown me lots of data and case studies of how fraudsters target customers using google/apple pay.

It is a very unsafe system. We try to prevent fraud happening to our customers who use google/apple pay.

It is not a safe system. As I said, if you don't believe me, go and do a quick google yourself.

@Carly944 your friends are talking bollocks. Possibly winding you up as you are an easy target.

do some of your own research into it and you will find it’s much more secure than a physical card.

My DH still uses PINSentry for his Barclays account.
Refuses to use a phone app, but does use online banking via a laptop.

Maybe I'm behind the times but I remember when I used to be able to pop into the bank on Saturday morning.

I can remember when banks didn't open on a Saturday and closed at 3:30 in the week

They only do it via the app now - I used to have a Barclays account

@DaisyHaites

I think Barclays might still have PINSentry where you have a little card reader at home that generates a security number for a new PAYE.

Ah I see, I remember those from years ago! DH had one and thought it was fascinating

A quick google to see when they were introduced (2007) shows OP may be able to use 'mobile' pin sentry now - worth a try at least

As I said, I have a lot of friends that work in fraud departments in banking.

They told me that google/ apple pay is by far the least safe method of payment. And that it is often targeted by scammers for this reason.

I think Barclays might still have PINSentry where you have a little card reader at home that generates a security number for a new PAYE.

OP you should probably look to open an account with pretty much any other bank (Halifax, Chase and HSBC for example all allow bank transfers without your card). You’ll also then have a back up debit card for a separate account you can transfer money to if you lose one card.

Google pay does NOT always ask for a pass code or fingerprint

Look online.

There are thousands of people who have said that they literally just stood in a shop or near a ticket machine, and google pay on their phone bought something that they didn't want.

They said they didn't open the app, and that google pay did not ask for a fingerprint or password, before it bought a purchase

OP I think you should consider a second account with another bank, between DH and I was actually use 3 high street banks between us. It would give you the option to send yourself money, using an already set up payment, and withdraw it using your card.

Google and Apple Pay are safer than debit cards, which is why there is no limit.

There is two factor authentication (you need the device and your face/finger print/6 digit pass code) which is safer than just needing the card for contactless or 4 digit PIN.

And can be stopped remotely in a lot of cases.

It also shares less detail with retailers so harder for them to skim your card details.

Most of the time I only carry my phone as I am more likely to notice quickly if I lose it than a card, and it’s a more secure payment device.

DH and I opened our joint account with Metro Bank for this exact reason, their branches are open early and late on weekdays and all weekend.

I disagree, I think there is a big value in the bank existing even if we only use it occasionally. Knowing that there's someone who can help in an emergency, or a stressful life change like moving house, and that I can just go see them rather than get circled around a call centre, would push me to choose somewhere with a local branch.

Sadly all the banks in our town have now closed so I don't have that option 😒 And they weren't sitting there empty either, there were always customers when I went in.

No. It is google wallets fault.

Security is set up on my phone that google wallet should ask for a pin/ fingerprint.

It doesn't most of the time.

If you look online, there are loads of stories of people saying that google wallet charged them money when they just stood with their phone near a bus ticket machine, or near a card machine in a shop.

These people didn't want to buy tickets. They didnt even open the google wallet app, enter a pin or enter a fingerprint.

They just stood near a ticket machine with their phone and google wallet bought tickets that they didn't want

They just stood near a card reader in a shop or near a ticket machine on a bus/train and their phone bought the tickets. They didn't want to buy the tickets. And google pay didn't ask them for any password or anything.

It's a very unsafe system
I don't use it at all anymore

Are you not worried that Monzo have never made a profit and are being investigated for money laundering?

Not really, no.

I have a HSBC account too just in case of outages...and my savings aren't with Monzo anyway. But for day to day spending and budgeting they're top notch.

And most banks are being investigated for something big at some time or another anyway. But a lot of it doesn't make it into the media.

Only option now is to transfer money to a workmate and get them to withdraw. But I need my card to approve a payee

Oh that's interesting, what do you do with the card to set up a bank transfer?

@Carly944 that's your own lack of security then. Not the fault of Google wallet.

It is true. I added a card to my Google wallet.

It is my bank card with the least money in it. So if I lose my phone I won't lost much money.

When I go to Google wallet it doesn't ask me for any pin or password. It goes straight to the card.

Is this just Barclays or is this the new standard? I'd probs consider switching after 20 years if it meant I could actually sort stuff like this on a weekend.

Switch to Nationwide. Their branches are open on Saturdays.

@Carly944 that's not true - they need some form of protection e.g. your phone pin or Face ID.

A lot of people don't use Google or apply pay as they are so unsafe.

Ive a lot of friends who work in bankng

they told me that Google pay is one of the worst things you can use . As there is no limit on it, and there are very little safety precautions.

Debit cards and credit cards have a limit on what you can spend on them in one day for example. For safety reasons.

Google pay doesn't.

So if you lost your phone. Someone can use Google pay to spend thousands and thousands on your phone