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AIBU?

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Original poster

Debit card won’t work in machine or chip and pin and won’t tap

82 replies

Whattodonexttoday · 23/12/2024 09:48

I have no other cards, it is also what I use to travel by tapping. No cash money at home.

Are banks open today? What can I do next?

I don’t want this card cancelled whilst they send out a new one, it still needs to work for my online orders while this is being sorted out.

What’s the easiest fastest way to get this sorted?

Quite stressed with other things going on and not feeling very well today, so not thinking as clearly as usual. It is a long walk to nearest bank, but it’s doable. Please advise me.

OP posts:
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RedRiverShore5 · 25/12/2024 07:40

LoremIpsumCici · 25/12/2024 07:30

I suppose if you can’t go without a debit card for a day or use Apple Pay then a trip to the bank is needed.

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Probably had it not been Christmas and the bank holidays and post taking ages then OP could have managed. It's wise to have a back up plan anyway of second bank account, credit card or both.

LoremIpsumCici · 25/12/2024 07:30

RedRiverShore5 · 25/12/2024 07:23

I think that OP does have online banking, her problem was that she didn't have any other way of getting money, no good being able to order a replacement if you haven't got another bank card to use in the interim as OP hadn't so had to actually go to the bank to get a temporary card at the cost of £12.

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I suppose if you can’t go without a debit card for a day or use Apple Pay then a trip to the bank is needed.

Lougle · 25/12/2024 07:25

@Whattodonexttoday could you not have withdrawn some cash from the bank while you were there ordering a new card, then wait for the new card to arrive?

RedRiverShore5 · 25/12/2024 07:23

LoremIpsumCici · 25/12/2024 06:34

Mine is damaged into oblivion at least once a year because I forget it in a pocket and it goes through the washing machine. Online banking means I can order a replacement as often as I need to.

I think that OP does have online banking, her problem was that she didn't have any other way of getting money, no good being able to order a replacement if you haven't got another bank card to use in the interim as OP hadn't so had to actually go to the bank to get a temporary card at the cost of £12.

LoremIpsumCici · 25/12/2024 06:34

Mine is damaged into oblivion at least once a year because I forget it in a pocket and it goes through the washing machine. Online banking means I can order a replacement as often as I need to.

FuckoffeeBeforeCoffee · 23/12/2024 11:43

My HSBC card randomly stopped working when I was in London for the weekend. Absolute ballache. Had to get a new one.

BlackCatsAreBrilliant · 23/12/2024 11:30

Sounds like you have a plan.

When this happened to me earlier in the year, the bank didn't cancel my existing card (as it hadn't been compromised and I still had it in my possession) so I could still use it for online shopping until the new one arrived.

Original poster
Whattodonexttoday · 23/12/2024 11:26

TheDowagerCountessofPembroke · 23/12/2024 11:17

I didn’t know that.

Can you get a cab to the bank rather than walking so far? You said your card works on Deliveroo so will it work on Uber etc.

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I could do, but I need to pace myself this month and can’t really justify the luxury.
I’ll down a gin to dull the physical discomfort and lift the spirits.

It’s a bit scary how trauma and a chaotic upbringing can lead to poverty, drinking, and isolation. It will do me good to be out in the fresh air and around others, as I’ll be flying solo this holiday.

OP posts:
Doggymummar · 23/12/2024 11:22

Go in the branch and draw enough cash for a week or two and order a new card.

LoremIpsumCici · 23/12/2024 11:21

You can just order a new one online. They usually send them by next day ….so should arrive on 24th or 27th

TheDowagerCountessofPembroke · 23/12/2024 11:17

Whattodonexttoday · 23/12/2024 11:11

Because the replacement will take 7 days to arrive, probably Christmas being in the middle is not helping.

I would rather have a card today for my peace of mind, and larger bank branches will produce a temporary card for you on the spot while you wait for the free permanent replacement card to arrive in the post.

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I didn’t know that.

Can you get a cab to the bank rather than walking so far? You said your card works on Deliveroo so will it work on Uber etc.

RedRiverShore5 · 23/12/2024 11:17

The £12 charge for a temporary card is another sting in the tail for those that can often least afford it as they won't have an array of credit cards to fall back on.

MotorwayDiva · 23/12/2024 11:14

Request a new card, unless its lost or stolen the old one works for a week or so.

RedRiverShore5 · 23/12/2024 11:12

Some banks do charge as it's an extra service, like paying extra for special delivery or fast track passports. OPs new proper card will probably take 2 weeks at least with all the bank holidays.

Original poster
Whattodonexttoday · 23/12/2024 11:11

TheDowagerCountessofPembroke · 23/12/2024 11:02

Why is a replacement card costing £12 and why are you having to go to the bank to get it?

They don’t make them at the bank and they will replace them for free.

Show quote history

Because the replacement will take 7 days to arrive, probably Christmas being in the middle is not helping.

I would rather have a card today for my peace of mind, and larger bank branches will produce a temporary card for you on the spot while you wait for the free permanent replacement card to arrive in the post.

OP posts:
Jc2001 · 23/12/2024 11:07

TheDowagerCountessofPembroke · 23/12/2024 11:02

Why is a replacement card costing £12 and why are you having to go to the bank to get it?

They don’t make them at the bank and they will replace them for free.

Show quote history

I'm guessing that's some kind of fast track service as they usually just send them through the post, so they probably wouldn't get it until after Xmas now if not next year.

TheDowagerCountessofPembroke · 23/12/2024 11:02

Whattodonexttoday · 23/12/2024 10:50

The bank has said there is nothing wrong with the account and the card from its description must be faulty, a new one will be sent, in the meantime, I can go pick up a replacement card which costs £12, this will involve a 1 hour and 20 minute walk. At least there is some solution today.

None of this would have been as difficult if I had a proper functioning phone.

ApplePay and a credit card will be set up once I’ve sorted out phone situation. The phone situation needed money which I don’t currently have. Credit cards also need money, unless I want to drive myself into debt.

Why is a replacement card costing £12 and why are you having to go to the bank to get it?

They don’t make them at the bank and they will replace them for free.

Jc2001 · 23/12/2024 11:01

Favour237 · 23/12/2024 09:50

Connect the card to your phone for contactless payments then tap with that

If they have a compatible phone

user1492771818 · 23/12/2024 10:58

The bank should just verify your identity by signature if you take your card!

OCatcha0Dreamso · 23/12/2024 10:58

Secondly, why would you not contact your bank first for all situations ?

OCatcha0Dreamso · 23/12/2024 10:57

If it is Nationwide it is in the news, they have an issue with their banking systems

MrsSkylerWhite · 23/12/2024 10:56

Banks are open today.

HotCrossBunplease · 23/12/2024 10:55

You do not need a physical card if you have confirmed that the card is not blocked and you do not need a SIM if you have access to the internet, which you clearly do. Honestly there is no helping some people. Enjoy your walk.

TheDowagerCountessofPembroke · 23/12/2024 10:54

My thinking of getting a credit card is just to have it as an emergency second card just in case your main card stops working.