Safest way ever of using cashpoint?

[hc4361]

This app from RBS seems to be getting slated but I can see the benefits

http://www.dailymail....-100-dont-wallet.html

I am wary of using ATMs. Has it been rigged, is there a camera to catch my pin number, is somebody going to nab my card?

I would use this app at home. Memorise or right down the 6 digit pin, go to cash point without either card or phone, and withdraw my cash.

Has to be a win win. What do you think of it?

[Bambiagain]

Here in Germany there is no such thing as a cheque and internet banking is practically forced on everyone because it's cheaper than making payments at a branch of the bank. This means that people without computers are discriminated against - my elderly neighbours, for instance. This new app is only for those with smartphones, so those without will not be able to use it. It could well be that if the app takes off with those who can use it, the people who can't will find that banks start to charge for those who can't or, worse still, may eventually make the app compulsory. Discrimination against those who can't afford or simply choose not to have a smartphone. I remain unconvinced of the safety aspect as hackers will step up their efforts to access these apps. Not entirely a win win if you look at it that way.

[sandyRoe]

The ATM inside the bank or building society must be fairly secure.

[gsr600]

We can't all go the Bank during opening hours, some of us have to work.

To much being done with mobile phones for my liking.

[Euphemia]

Would't work with my granny phone....

[hc4361]

Cheques are being phased out in the UK, too, bambi. A lot of shops don't accept them.

Not enough being done with mobile phones as far as I'm concerned :)

[bibblebub]

I've just started using a smartphone (in fact I'm posting this reply from it) and I'd be quite happy to try any such app.

[craft1948]

Sandy I once got done out of £250 from an ATM inside the Halifax............

[Bambiagain]

As far as I'm concerned, a mobile phone is for 1) making phone calls, 2) the occasional text, 3) the odd photo, 4) using the calculator option, 5) for reminders and 6) as an alarm clock if I'm away from home. I have a fairly basic Nokia which is robust - have dropped it a few times on hard surfaces without any ill effect - and has a basic contract allowing phone calls to landlines and same network mobiles. All else costs too much! I have a friend who gets through mobiles at an alarming rate because her fancy jobs can't take being dropped etc. Ok, maybe I'm a dinosaur and a technophobe, but I'm content to stay with the functions I've listed. I'm suspicious of allowing my life to be ruled by technology.

[hc4361]

My life isn't ruled by technology, it makes my life easier.
I pay £7.99 for 1 gb data, 500 minutes and hundreds of texts a month.

[spudqueen]

Customers of RBS, NatWest, Barclays, Lloyds TSB, Nationwide and Halifax, to mention a few, can withdraw cash free of charge from any Post Office. This can be a useful facility as there are over 11,000 Post Office branches in the country.

[hc4361]

Post offices are closing every week, and they are not open evenings, Sundays, bank holidays.

[Hopkirk]

Cheques are not being phased out in the UK, they have had a reprieve.

[hc4361]

They may have had a legal reprieve, but the outlets that accept them are declining. Most major supermarkets, petrol stations, online retailers don't accept them.

[Jeza]

I was robbed by a Halifax ATM over 30 years ago. I have never used one since. Halifax refused to reimburse me, so I closed my current account, my savings account and moved my mortgage to YBS. Okay it was only £20 but it was my £20. They said it didn't happen. IT DID.

[hc4361]

I believe you, Jeza, because I once withdrew £10 from an ATM and got £20.
The receipt showed £10.

A woman asked me if had an extra £10 because she didn't get her cash. I gave it to her, naturally, but had she complained to her bank the books would have balanced and they wouldn't have believed her, either.

[ladybirder]

I often get cash back at the supermarket checkout. It's safe and free and there's usually somewhere open. And lots of peeps pop into the supermarket on the way home from work.

[Jemisa]

Never use ATMs always get 'cashback' from any store Tesco, Co.Op M&S
If its a large sum I go to the bank direct. no probs.

jem

[hc4361]

I do that, too, use cashback, but isn't there a £50 limit?

[mike11111]

The cash back thing is quite strange. I very rarely avail myself of the facility and used to get quite annoyed at the automatic question from the checkout girl: Do you want any cash back? Suddenly they stopped asking it. It meant nothing to me until one day, after paying for my goods I asked for some money. i was refused because the sale had already been processed. When I asked why she had not asked me at the start the reply was that they were no longer allowed to do so, but the facility was still available if the customer asked before processing. I never had a satisfactory explanation as to why.

[ladybirder]

I think the retailer might set the limit but not sure.
mike I got asked somewhere if I wanted cashback this week but can't remember where. But you're right when I think about it, most don't ask now.