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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:
Original poster
Whattodonexttoday · 23/12/2024 10:54

Thank you to all those kind souls who came up with really helpful suggestions.

Funnily enough, I trust Mumsnet and wanted to get your collective opinions, which there were really brilliant solutions suggested. I wanted to be armed with knowledge before contacting the bank, tellers are not always wise or efficient, as I found out to my cost once while overseas in the past.

OP posts:
Original poster
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.

OP posts:
MumonabikeE5 · 23/12/2024 10:44

I can get a code from my online banking that I can use in NatWest cash machines to get cash out without card.

ShortyShorts · 23/12/2024 10:42

Are you sure it's in date?

FlibbertyGibbitt · 23/12/2024 10:40

I had this. Rang bank and they said they’d send a new card out….except they cancelled the old one there and then and it took two weeks for the new one to be delivered 🙄

HooMoo · 23/12/2024 10:39

It’s a normal working day so just ring your bank?

TheDowagerCountessofPembroke · 23/12/2024 10:32

Phone the bank.

or

Go into the branch and withdraw cash over the counter. I was able to do this by opening the app on my phone and they asked me questions about transactions.

or

Cancel the card but only if you have it set up on Apple Pay (I don’t know about android). The new card will be active straight away. You should be able to use it without a sim. I’ve used it without any kind of connection before so I guess that works.

or

buy what you need via Deliveroo, Uber Eats, Tesco Whoosh etc.

Once this is sorted get a credit card so you have something to fall back on. Or keep some cash in the house.

Northernbrightlights · 23/12/2024 10:30

Lomoto · 23/12/2024 10:24

This is a painful read. So many suggestions and you've ignored most of them. Phone the bank. It's a normal day they willl tell you what your options are.

Exactly. You need to start by phoning the bank. Faffing about with anything else such as Apple pay, PayPal etc, is entirely pointless until you know whether the bank has frozen your card or not.

Abandonedbypals · 23/12/2024 10:30

YosemiteTrail · 23/12/2024 10:21

You will have to go into a bank but you are making life difficult by having no other cards, no pay pal, no Apple Pay on your phone and no sim in your phone.

This. Lots of good advice on this thread. But OP is playing life on difficult mode - no need to be this chaotic in this day and age when there are so many conveniences available (some of which she's managing to use like deliveroo). You make yourself very vulnerable by not sorting out the basics.

Lomoto · 23/12/2024 10:24

This is a painful read. So many suggestions and you've ignored most of them. Phone the bank. It's a normal day they willl tell you what your options are.

Original poster
Whattodonexttoday · 23/12/2024 10:24

TheYearOfSmallThings · 23/12/2024 10:14

Let me guess. No passport?

Show quote history

That is one convenience I do have!

OP posts:
RedRiverShore5 · 23/12/2024 10:24

WorriedRelative · 23/12/2024 10:21

E-sim doesn't need a slot.

Show quote history

Some phone accounts that piggy back main providers don't have e sims, Tesco doesn't, some phones don't have e sims, especially older ones which OPs probably is if it's broken.

avaritablevampire · 23/12/2024 10:24

Your drivers license will be fine, it's worth taking just incase, but you probably won't need it as you already bank there and have the card.
Despite the SIM being broken do you still have a phone number? When my SIM compartment broke, the SIM was still functioning, I just couldn't change providers as I couldn't swap SIMs.
You could try loading your card onto your phone. Do you do online banking and have the app for your bank? In which case you can order a new card through that. My card still worked whilst I waited for a new card online, I just couldn't use it in a shop / cash machine. (My chip got a bit wet when it was pouring with rain and I used it to pay for parking, it stopped working almost immediately, turns out the chips don't like getting wet....not a great design if using on a parking meter in the rain!)

huuskymam · 23/12/2024 10:22

Phone the bank, this happened to my husband last week, the bank had blocked the card due to unusual activity, had it back working in half an hour.

WorriedRelative · 23/12/2024 10:21

Whattodonexttoday · 23/12/2024 09:59

The compartment in the phone where you place the SIM card is broken. Not able to buy new phone for a while. Thankfully still works fine on Wi-Fi.

Show quote history

E-sim doesn't need a slot.

YosemiteTrail · 23/12/2024 10:21

You will have to go into a bank but you are making life difficult by having no other cards, no pay pal, no Apple Pay on your phone and no sim in your phone.

RedRiverShore5 · 23/12/2024 10:21

DH paid some money into a club account he is treasurer for at TSB and had to show identification, he showed his driving licence so best take that

HotCrossBunplease · 23/12/2024 10:18

You can call your bank using WiFi calling.

Bubblebuttress · 23/12/2024 10:18

You use deliveroo but cant afford a sim card? So much is wrong with this. Just go to a bank ffs. Card is enough to get money at a teller

BobbyBiscuits · 23/12/2024 10:16

There was an instance where I managed to get a new card on the same day as losing the first one inside a machine. But it was a big branch that had the card making machine. I bet most of those have closed down now.

LIZS · 23/12/2024 10:16

If you go into the branch they should be able to help and allow you to withdraw cash.

TheYearOfSmallThings · 23/12/2024 10:14

Whattodonexttoday · 23/12/2024 10:11

Is a driver’s license enough or will I also need to take my passport?

Show quote history

Let me guess. No passport?

Original poster
Whattodonexttoday · 23/12/2024 10:11

LordEmsworth · 23/12/2024 10:09

If you don have a pone so he bank can't contact ou, how can you possibly know that there hasn't been any unusual activity on your accont, and they have locked it to prevent you being defrauded?

It's a working day, the banks are open normal hours. Contact them and ask.

As others have said, if your account is OK then you can use a mobile wallet, you don't need a sim. But it sounds pretty likely that there's a block on your account t so that won't work.

If you can't phone the bank then you'll need to go in. Take some ID with you in case they ask.

Is a driver’s license enough or will I also need to take my passport?

OP posts:
Original poster
Whattodonexttoday · 23/12/2024 10:10

The card is not expired. The account is secure. I was able to order something on deliveroo.

OP posts:
LordEmsworth · 23/12/2024 10:09

If you don have a pone so he bank can't contact ou, how can you possibly know that there hasn't been any unusual activity on your accont, and they have locked it to prevent you being defrauded?

It's a working day, the banks are open normal hours. Contact them and ask.

As others have said, if your account is OK then you can use a mobile wallet, you don't need a sim. But it sounds pretty likely that there's a block on your account t so that won't work.

If you can't phone the bank then you'll need to go in. Take some ID with you in case they ask.