To think that 6 working days is a long time to have to wait for a new debit card?

This happened to me - couldn't even use phone to pay as it's linked to the card and I was going on holiday.
But, I have a banking app, and as soon as the new card is 'issued' (normally a couple days) - it's ' issued' as soon as the new numbers/cvv are created - it will appear on your app and you can use it to pay for things. Hope this helps.

Agreed. And we have a cash stash as well.

Have you taken on board what people are saying about being able to access the new card details very quickly in your banking app and therefore use that card on your phone? Happened to me not long ago and I was pleasantly surprised. Get the app if you haven’t already and all will become clear.

You’re getting good practical advice here OP but you don’t seem to have come back.

YANBU but I had fraudulent activity on my card a couple of years ago and I recall having to wait about a week for the replacement card to arrive. It's infuriating but I think this is the norm.
My bank suggested that I withdraw cash from my account to tide me over and I went into the branch with my passport and a utility bill to do this. It was better than having no other way of paying for things.

My DP lost his and it took over a week to arrive. Unfortunately he'd never set up Google Pay, just seeing that could have worked quicker. Instead I had to give him my credit card to use.

My card automatically updates on Google pay when I've had new cards issued.

I only use a credit card for general spending and online, I have 4, I also have 2 bank accounts, I wouldn't rely on just one bank account

I went through the same thing recently OP! Card and pin took about a week to arrive. I wasn’t able to use Apple Pay until I received my new card (this is with NatWest). I had to live off my credit card for a week! I also thought surely there’s a better system than this…

This has happened on our joint account a few times and whilst the new card has taken over a week to arrive, its always been available within a few hours of reporting and cancelling the card in our Google Pay.

Same for me
new card was available immediately in my banking app and therefore Apple Pay

Not everybody wants, or qualifies for, a credit card. I don't see why you should be forced into it, just because a bank assumes that you'll have one and thus they can be half-hearted about whether or not they send you one in good time.

What if you did have a CC, that happened to expire or be lost/stolen at the same time as your debit card, and the CC provider was similarly lacklustre, assuming that 'oh, they can just use their debit card in the meantime instead'?

In the case of my MIL, like many elderly working class people, her alternative to her bank leaving it to the wire before her card expired was to go to the cash point over the last few days of validity and withdraw a lot of cash. Very unsafe and horribly, needlessly causing her stress. How would it actually matter to the bank to bother to send out new cards a month or two before the old one expires?

Elderly people and their personal circumstances need to be remembered and respected in modern society; not just grudgingly treated like an annoying afterthought. Most of us will (hopefully) be old one day - I wonder how we will feel if the younger generations then merrily toss us aside and consider our needs and areas of comfort obsolete?

I’m with Lloyds, have lost my card twice in maybe 5 years or so….new one been with me within 2 days. Both times they said to allow up to 7 days but I’ve never waited that long.

I have a wise account that doesn’t issue a physical card unless you specifically ask for one, you just get a virtual one. That way it’s issued instantly which is quite sensible.

Left my Debi card in the bakers! New one 2 days later. Halifax. Good service 👍 if one can be pleased with their bank I am .

I had to cancel mine recently for similar reasons - they sent a new one virtually to my banking app immediately. I could use it contactless, just couldn't pay by chip and pin for a while, which I generally don't anyway. Only needed to do that to exchange something in M & S so waited till it arrived - it was also only about 3 to 4 days later. Plus I have a credit card for back up.

Do you not have a credit card or other card? Why not?

This is one of the reasons why it's not a good idea to use one card/account for everything/most things. It's far too easy for your 'spending' debit card to be lost/stolen/hacked/bank problems and then it's an inconvenience until it's replaced.

Always make sure you have a minimum of 2, possibly three ways of payment. As a minimum, separate your DDs from your spending either with another account, or use a credit card that's paid off in full every month. Or do both of those things. That way, if you have a problem with one, you have a fall back, rather than being completely stuck if something goes wrong.

It wouldn't be a big deal for me, as I have multiple credit cards and accounts woth debit cards, and most essential spending comes out as direct debits - it's fairly normal for me to not use my debit card for weeks.

That is crazy.

My MIL's debit card wasn't stolen, but a new one only arrived two weeks before the previous one expired (from Lloyds). Anybody could be away on holiday or on business for two weeks, and so be without a card until they returned home.

No idea why banks are suddenly so possessive about bank cards and stopping customers from getting at their own money.

I got both an email and a text message within minutes of asking for a replacement card, saying I could use the new, yet to be issued card in Apple Pay and online/ on phone immediately.

After I lost/cancelled my cards, the First Direct card came a day later and Barclays after a week. I don't know how FD could do it so much quicker but I was very grateful! I could use the banking apps instantly for both but needed to use Chip and Pin before I could use the cards in a shop so that wasn't much help.

Yep my Barclays card took about 7 days it used to take 2 days ! Ridiculous really .

I had similar recently and Apple Pay was available for the new card almost immediately - long before the physical card got here.

I cancelled my Barclays debit card due to a small fraudulent transaction and it took around 7 working days for the physical card to arrive in the post.

But while I was still on the phone, they sent the new one straight to my Barclays app and I was able to use it for contactless payments and online purchases immediately.