Category: Banking

Applying for a credit card with TSB

TSB have a range of credit cards available to new and existing customers, whether for balance transfers, purchases, rewards, students or low interest. It’s common for people take out credit cards to fund new purchases or to transfer the balance to an outstanding debit card, but whatever the reason you need the funds, TSB can offer a card tailored to your circumstance if you are eligible.

Can I apply for a credit card?

You must be a resident of the UK and aged 18 or over to apply through TSB’s online application. The application form takes no longer than 10 minutes to fill out and out will need to have your current bank or building society account details, your salary and your employer details to hand.

For further convenience, the credit card will be accepted worldwide and you are able to set up direct debit payments from your current account so you don’t have to worry about missing any bills. All of the credit cards they offer work with Apple Pay and TSB also use industry-standard levels of security, so you needn’t apply without confidence.

When will I get the card?

Once you have completed it, it is possible to enquire the status of the application by contacting the ‘New Business’ department where a member of the TSB team should offer some assistance - 0345 835 3846.

If the application is declined and you wish to know the why, TSB advise you to order a copy of your credit history from an agency such as Experian or Equifax for a small fee before contacting them. If your credit history comes back good and does not immediately indicate why TSB would deny your application then you can contact them to re-evaluate it.

Receiving the card

If and when you are sent your shiny new plastic, TSB will send the card and PIN separately for security. First you should sign the card and call the number quoted in the letter it comes with to activate it and then it is ready for use.

You will also have a choice of managing the account via internet banking, online or by phone, as well as popping into your local TSB branch. It’s simple to keep track of the money you spend, your online statements and any fees you pay on credit cards.

Can I use my TSB debit card abroad?

With TSB it is possible to use your Visa debit card as normal whenever you see the Visa symbol abroad. Just as in the UK you can withdraw money from cash machines and purchase what you wish with chip and pin.

Visa is accepted worldwide and is committed to protecting all branch-holders against fraud and any unauthorised spending. They provide competitive exchange rates for lucky travellers with safety and convenience.

Advice

In order to keep the process as simple and stress-free as possible, TSB advise you save the bank’s overseas contact number in case of any card emergencies or you need to get in touch - 020 3284 1575. It’s also advisable to update any mobile or preferable contact numbers when you are going abroad, which you can do before by visiting a local branch.

Charges

Debit card purchases

When making payments overseas with your TSB card, you can choose to pay in the local currency so that the amount is converted there and then to pounds and processed by Visa with their Visa Payment Scheme Exchange Rate.

TSB charge a non-sterling transaction fee of 2.99% of the value of transaction, as well as a £1 purchase fee (unless you use a Premier or Premier account card). So, if you buy a pair of shoes for $100, you will be charged £2.99, plus the £1 fee.

Cash withdrawals

Unfortunately, it isn’t a free service to withdraw cash abroad. Cash machines in general should offer two options when you are choosing the amount you wish to take out – either the sterling equivalent or the local currency. For example, £100 worth of US Dollar or $150 dollars.

If you choose the sterling equivalent the owner of the ATM makes the conversion into pounds and TSB will only apply a non-sterling fee of 1.5%, which will be £2 minimum and £4.50 maximum. But bear in mind the cash machine owner may charge you separately for the conversion.

If you choose the local currency they will convert the withdrawal to sterling to deduct it from the account, on top of a non-sterling transaction fee of 2.99% of the value you withdraw, and the non-sterling cash fee of 1.5% between £2 and £4.50 (it will never exceed the price of £4.50). So if you withdraw the equivalent of £100, you will be charged £2.99 plus a cash fee of £2-£4.50.

Reporting fraud or unlocking your Barclaycard

Credit card fraud is a terrifying prospect. Following the rise of internet shopping, there are more ways than ever for fraudsters to steal your card details and, during the current economic climate, it’s vitally important to protect your finances.

Often it is simpler than details being stolen online, cards can be stolen or simply lost, leading to a lot of worry and concern. Barclaycard offer round the clock assistance to customers that have had their details or card stolen, or have lost their card and fear the worst. Simply call the Prove I Called Barclaycard Contact Number.

What do I do if I’ve lost my Barclaycard or it has been stolen?

If your card is stolen or you cannot find it anywhere, you need to contact Barclaycard to cancel the card immediately. Their phonelines are always open, allowing you to call as soon as you realise the card isn’t in your possession.

Once the card is cancelled, no further purchases can be made, this includes blocking any contactless payment that is made. Following the cancellation of your card, it is advised that you review your financial statements and report any purchase, payment or transfer that you do not recognise.

Following the cancellation of your stolen or lost Barclaycard, you will need to request a new card. There is an automated call system, a new call should be posted to you within 3 to 5 working days. If you then find your lost card, it will no longer work and you will have to wait for the delivery of your new card.

What to do if your Barclaycard PIN is locked?

In order to prevent credit card fraud, Barclaycard use a PIN locking system that will lock a card if a PIN number is entered incorrectly three times. If the three incorrect tries are entered in a shop, you are able to unlock your card by correctly entering the PIN number at a cash machine.

If you enter it incorrectly three times at a cash machine, your card will be locked. From this point, you will need to call Barclaycard to unlock the card or to report that it has been retained by the cash machine. Currently, contacting Barclaycard is the only way of unlocking your card.

Paying your Barclaycard bill

A credit card is not like a debit card, it doesn’t automatically take money out of your bank account (unless you choose the direct debit option.) Instead, the purchase you make must be paid for later down the line.

After making a purchase, there may be an interest charge added to your account. This varies based on which model of Barclaycard you own, different types have a different APR. For more information about the different levels of interest, please review the Barclaycard website.

There are a variety of different ways to pay your Barclaycard bill. Here is a rundown of the different options available to customers:

Paying your bill on mybarclaycard using a debit card

To pay your bill by debit card, you can use the mybarclaycard online payment system. This can be found on the Barclaycard website, accessed through your online account.

You are not automatically signed up for an online account, you have to register first, this is accomplished through the Barclaycard website. It can also be accessed through the mobile app, titled mybarclaycard.

After accessing mybarclaycard, there is a Pay your Bill option. After selecting that option, choose Make a Payment and enter your details.

Paying your Barclaycard bill through direct debit

In order to avoid incurring interest payments after forgetting to pay, Barclaycard offer an automated direct debit payment system. There are three automatic payment options that can be selected from, customers can pay the full balance, the minimum amount or a fixed amount (corrected to the minimum amount should the minimum be higher than the fixed amount.)

Automatic direct debit payments can be set up on the mybarclaycard section of their website or app, or by calling their customer service team using the Prove I Called Barclaycard Contact Number.

Paying your Barclaycard bill by phone

Barclaycard offer a telephone payment service that allows customers to call Barclaycard and pay with their debit card. Have your debit card on hand, as well as the most recent statement and account passcode, and you will be able to pay off your bills.

Oh no! I’ve lost my Barclaycard account login details

The most common query from Barclaycard users centres on lost account login information. This includes lost usernames and identification number, your passcode, PIN and memorable word.

Forgetting these details can be frustrating, preventing you from logging into your Barclaycard account. This can be difficult as it prevents users from accessing the online payment system.

Solving your online login issues requires a quick solution if you intend to pay your bills online, if not, you may incur interest on your bill. Here is a short rundown of what to do if you wish to recover the login details for your online account.

What to do when you’ve forgotten your online username or ID Number

Forgetting these two details isn’t the end of the world. Customers can still login by entering their card number in the correct section of the login page. This is the number that you see on the front face of your Barclaycard, it can also be found on any financial statement you have received.

Upon logging in, head to the Secure login details section of the page, accessed through the Your details section. In this area of the site, you are able to edit your account login details and set a new username. You can also change your ID Number to a username through this section of the site.

What to do when you’ve forgotten your passcode and memorable word

If you’ve only forgotten one of the above details, you’re in luck. There is a Forgotten my passcode and Forgotten my memorable word section for on the login screen. Click the link and follow through with the process to gain access to your account. To accomplish this, you’ll need your Barclaycard.

If you’ve forgotten both your passcode and memorable word, the process is a little more difficult. You’ll need to call Barclaycard customer services, you can use the Prove I Called Barclaycard Contact Number. We do not record calls, there is no safety concern in that respect. The customer services team will be able to reset your account details, you’ll need your card on hand.

Using your Barclaycard abroad

Travelling abroad is a common concern for credit card owners, with a lot of customers fearing extra charges based on the country they’re in, or having their Barclaycard cancelled based on transactions being made in another country. To dispel some of the myths, we’ve created this short guide.

Will my Barclaycard be cancelled if I use it abroad?

No. A lot of credit card holders fear the instant cancellation of their card when they use it in another country. It is often due to fear of it being seen as fraud, making the bank think your details have been stolen and used in another country.

This is not true, Barclays will not cancel your card without contacting you first. If they see any suspicious transactions, a member of their fraud team will call you on your stated contact number.

Customers do not even need to contact Barclaycard to notify the company about the upcoming trip, just make sure your contact details are up to date.

Does it cost anything to use my Barclaycard abroad?

There is no extra charge when purchasing an item in another country. Users can also withdraw money from a cash machine, it will not incur a fee but will be subject to a non-sterling exchange fee of up to 2.99%.

More information about the non-sterling exchange fee can be found by calling our Barclaycard Contact Number. Their customer service team will be able to explain the exchange fee and how it is calculated.

Most countries now use the Chip and PIN system of card payments, allowing you to easily pay for goods. In countries that do not use this payment system, you will be asked to sign the receipt.

If you forget your PIN number whilst abroad, you can login to the mybarclaycard app and select View your PIN securely. Bear in mind that a locked PIN number cannot be reset by entering it correctly in a foreign cash machine.

How do I set up Apple Pay with RBS?

The future is here today. Apple Pay is an easy way of paying in a shop, somewhat similar to the tap to pay system that many shops use when customers pay with their debit or credit card.

If you use a certain Apple product, you may be able to use Apple Pay. Models included in the Apple Pay scheme include iPhone 6, 6 Plus and later, Apple Watches, iPad Air 2, iPad Pro and models later than the iPad Mini 3.

It uses the same tap to pay terminals that shops currently use. It can seem futuristic when seeing it for the first time, like a scene from Blade Runner or the like.

Setting up Apple Pay with RBS

To use Apple Pay, you must add a debit or credit card to your account. To do this, open Wallet on the Apple Pay app.

On iPhones, this is accomplished by opening Wallet and pressing the Plus button. On iPads, this option is found in Settings, then select Wallet, Apple Pay and Add Credit or Debit Card. On an Apple Watch, open the Watch app on your iPhone, select Wallet & Apple Pay and then select Add Credit or Debit Card.

There are a number of options at this point. You can use the card registered with your Apple Store account, or you can take a picture of your card, the app will recognise the important details on your card.

Make sure to double check your card details are correct if you use this method. You can of course input the card details manually.

Verifying Apple Pay with RBS

RBS will need to verify your Apple Pay account. This is completed through the Wallet app. Choose which card you want to verify. RBS can send you a verification code to the mobile phone that is registered with your account.

You can also contact RBS about receiving a code or verifying your card for Apple Pay. RBS can be called on our Prove I Called RBS Contact Number. You should receive a code within 15 minutes. If not, try again.

How do I change my RBS account details?

Sometimes, things change. The most common change to account details is a new address, though customers that change their name, perhaps following a marriage or a drunken mistake, must also update their account details.

It’s important to keep these details up to date in order to prove you are the account owner and to make sure the bank are sending post to the correct address. There can also be issues with billing addresses.

There are a few options available to RBS customers hoping to change their account details. You can contact RBS over the phone, using our Prove I Called Contact Number, or visit a branch of RBS to change your information. Details cannot be changed online, at this moment in time.

Changing your RBS account details over the phone

To change your address or name with a single phone call, call the RBS telephone banking number. This number can be found on the RBS website.

Have your account information on hand should the RBS staff require certain details for the process to be completed. This can include your account number and sort code, all of these details can be found on a bank statement.

Calls to RBS phone lines may be recorded by RBS. Customers may need to be registered for telephone banking to change their details over the phone.

Changing your RBS account details in a branch

A far easier way to change your account details, visiting an RBS branch will solve all your issues. Sometimes the old school methods are the best. To change your details in an RBS branch, you will need photographic identification, this can include your driving license or passport.

The in house team will guide you through the whole process, hopefully in a quick and easy fashion. Don’t forget your bank details, these will be needed to identify your RBS account.

If you are changing your name, you will need legal documentation that proves you have changed your name. This includes a change of name deed, a marriage certificate or a divorce certificate.

The guide to online banking with RBS

Do you love banking? No, no one does. That’s why anything offered by the bank that eases the whole process is a dream, a heaven sent miracle. Internet banking saves account holders from having to queue up on a Saturday morning to cancel a direct debit or make a large payment.

Instead of heading to your local branch, you can register as an online banking users, allowing all payments to be easily managed online.

It’s highly recommended to invest in some anti-virus software if you plan on managing your account online. These services will protect your computer or device from viruses and malware, keeping your account details safe.

What can RBS online banking be used for?

Online banking is a straight replacement for having to head into a branch. There are only a few things that cannot be accomplished online, these include changing your address and name attached to your account, though this feature may be added in the future.

RBS account holders can keep an eye on their balance, with the ability to look through transactions from the last seven years. Users can make payments online, including paying bills, setting up a direct debit and creating a standing order.

RBS customers can also view their bank statement online, with RBS very keen to get customers off paper and onto digital statements. These can be saved as a PDF onto your computer, leaving you with a lasting record of your transactions.

How do I register for online banking with RBS?

To register for digital banking, you will need to supply RBS with a number of details. They need your email address, your sort code, your account number and your debit card.

Follow the step by step guide on the RBS website and you’ll be up and running in no time. If you run into any issues, you can call our RBS Contact Number, the RBS customer service team can assist with any issue you may have had.

When the registration process is complete, activate your account. During activation, you will need to create a PIN number for your account. This does not need to be your debit or credit card pin number, it is probably better to choose a different number, just as you should choose a number of different passwords for any accounts you have online.

Setting up an RBS business or corporate account

Banks don’t just provide personal accounts, they make huge amounts by managing the bank accounts of businesses across the country. This ranges from start-up businesses, to companies making over £2 million a year, all the way up to international businesses operating on huge turnovers.

For more information about setting up a bank account for your business, don’t hesitate to call the Prove I Called RBS Contact Number.

RBS account for a start-up business

In order to promote private sector growth, RBS provide a variety of support options for start-ups hoping to grow. This includes the Entrepreneurial Spark programme, a system that allows your start-up to apply for free access to a number of centres across the United Kingdom.

These centres are known as business accelerator hubs, they provide free IT and Wi-Fi, meetings with guidance mentors, each with a specialist area of knowledge. There are also a number of training options, including pitch advice, meetings with the Entrepreneurial Spark team, in addition to invitations to networking events and workshops.

RBS also offer a 2 years free banking account to businesses that are less than a year old, and turnover under £1 million per year. This means no service charge for the day to day running of your business account. At the end of the 2 year period, your account will change to a standard published tariff. If it needs to change before that time, contact your business manager.

RBS account for a business with turnover under £2 million

RBS provide a number of options to businesses hoping to switch account provider. They also offer small business loans and commercial mortgages for businesses hoping to purchase a building, rather than rent out a floor.

Businesses with this account can also order a business credit card. The card works as a regular credit card does, though RBS offer a variety of deals to entice customers.

RBS account for a business with turnover under £2 million

Along with fixed rate business loans and commercial mortgages, RBS provide support for businesses with over £2 million turnover through specialised bank accounts, managed by a dedicated member of staff.

RBS guide account holders towards a variety of offers that can further boost your growth, including applications for the Annual Investment Allowance, in addition to the Bankline service, a tool that can be used to manage a number of accounts at once.

Account holders can also receive a onecard, a set of cards that employees can use, all of which will charge a single account.

RBS accounts for international businesses

If your business operates in a number of countries, you can apply to have an international business account. RBS provide a number of assistance options, including support for companies exchanging foreign currency, making electronic payments and importers who require assurance that their goods will arrive on time.