Navigating bank transfers can sometimes feel like a maze, especially when you're without your trusty card reader. But don't worry, Nationwide offers several convenient and secure ways to make nationwide bank transfers even without it! This comprehensive guide will walk you through each method, ensuring you can manage your money effectively and stress-free.
So, you've found yourself in a situation where you need to transfer money from your Nationwide account, but your card reader is nowhere to be found? Perhaps it's hiding under a pile of forgotten receipts, or maybe you just haven't ordered one yet. Whatever the reason, let's get you transferring!
Step 1: Assess Your Situation and Choose Your Path
Before diving into the "how-to," it's crucial to understand your options and which one best suits your immediate need. Nationwide prioritizes security, and while they offer ways to transfer without a card reader, there might be limits or requirements depending on the method and whether you're paying a new payee or an existing one.
- Are you paying someone new or an existing payee? This is a key distinction. Existing payees generally have higher limits and less stringent security checks without a card reader.
- How much are you looking to transfer? Different methods have different daily and per-transaction limits.
- Do you have access to your mobile banking app? This is often the most convenient alternative to a card reader.
- Are you comfortable with telephone banking? This can be a good option if online methods aren't suitable.
 |
| How To Do Nationwide Bank Transfer Without Card Reader |
Step 2: Mastering Transfers via the Nationwide Banking App (Most Recommended!)
The Nationwide Banking App is your best friend when you don't have your card reader. It's designed for convenience and includes robust security features, including biometrics, to verify your identity.
2.1. Setting Up and Using Biometrics for Seamless Payments
Nationwide has implemented an "Account Biometrics" feature within their app that can largely remove the need for a card reader for most transactions.
- Eligibility Check: First, ensure you're eligible for Account Biometrics. This feature is being rolled out to current account customers. You'll see an option like "Pay without card reader" under "Settings" and "Accounts" in the app if you're eligible.
- One-Time Setup: To set this up, you might need your card reader for a single, initial verification step. You'll be prompted to take a clear photo of your face in a well-lit space. This creates a digital biometric map for future verification.
- The Power of Your Face/Fingerprint: Once set up, you can use your device's fingerprint or facial recognition (Face ID/Touch ID) to:
- Log in to the banking app.
- Authorize payments, even for new payees (within limits).
- Verify your identity when logging into the Internet Bank.
2.2. Making a Payment to an Existing Payee
If you've paid someone before, the process is generally simpler and often doesn't require a card reader, especially if you've set up biometrics.
QuickTip: Re-reading helps retention.
- Log In: Open your Nationwide Banking App and log in using your passnumber, fingerprint, or facial recognition.
- Navigate to Payments: Tap the menu in the top right corner (usually three lines) and select "Payments & Transfers" or "Pay or move money."
- Choose Recipient: Select "One of your existing payees" or similar.
- Enter Details: Choose the account you want to send money from, enter the amount, and confirm the payee.
- Authorize: You'll likely be prompted to authorize the payment using your biometrics (fingerprint/face ID) or your app passnumber.
2.3. Paying a New Person or Company via the App (with Limits)
This is where the card reader traditionally came into play, but the app often offers an alternative, albeit with lower daily limits for new payees.
- Log In: Access your Nationwide Banking App.
- Initiate New Payment: Go to "Payments & Transfers" and select "Pay a new person or company."
- Enter Payee Details: Carefully input the recipient's full name (as it appears on their account), their sort code, and their account number. You may also need a payment reference. Double-check these details to avoid sending money to the wrong account!
- Enter Amount and Review: Input the amount you wish to transfer and review all the details on the summary screen.
- Verification Step: This is where the app's security measures come in. You will likely be asked to verify the payment using your Account Biometrics (facial recognition) or your device's biometrics (fingerprint/Face ID) or a one-time passcode sent to your registered mobile number.
- Important Note: Nationwide states that for new payees or those you haven't paid frequently, online payments may be limited to £25,000 per day even if your overall daily limit is higher.
Step 3: Utilizing the Nationwide Internet Bank (Online Banking)
While the app is often preferred for convenience, you can also use the Nationwide Internet Bank from your desktop or laptop.
3.1. Accessing the Internet Bank
- Go to the Nationwide Website: Open your web browser and navigate to the official Nationwide website.
- Log In Securely: Click on "Log in" for Internet Banking. You'll need your customer number, passnumber, and memorable data.
- Enhanced Security: Nationwide uses advanced encryption. For some logins or significant transactions, you might be asked to verify your identity using your banking app's biometrics – another reason the app is so useful!
3.2. Making Transfers within Your Own Nationwide Accounts
Transferring money between your own Nationwide current and savings accounts does not require a card reader and can be done easily online.
- Find Quick Transfer: Once logged in, look for the "Quick transfer" option, usually on the left side of the page.
- Select Accounts and Amount: Choose the Nationwide accounts you wish to transfer money between and enter the amount.
- Confirm: Review the details and confirm the transfer. Your balance will update immediately.
3.3. Paying Existing Payees via Internet Bank (Without Card Reader)
Similar to the app, paying existing payees often doesn't require a card reader.
- Navigate to Payments: Look for a "Move money" or "Payments" tab.
- Choose Existing Payee: Select the option to pay an existing payee.
- Enter Details and Authorize: Fill in the amount and reference, then follow the on-screen instructions for authorization. This could involve using your Banking App for biometric authentication if you have it set up, or a one-time passcode.
3.4. New Payees on Internet Bank: When a Card Reader Might Be Needed (and Alternatives)
Setting up a new payee or making a large first-time payment to an unfamiliar recipient on the Internet Bank is often where a card reader would traditionally be required for strong customer authentication (SCA). However, there are increasingly ways around this:
Tip: A slow, careful read can save re-reading later.
- Banking App Authentication: If you have the Nationwide Banking App with Account Biometrics set up, you can often use the app to authorize these payments instead of a card reader. When prompted for verification on the Internet Bank, you'll receive a notification on your app to approve the transaction.
- One-Time Passcode: For some transactions, Nationwide may send a one-time passcode (OTP) to your registered mobile number or email address. You'll enter this code on the Internet Bank to authorize the payment. Ensure your contact details are up to date!
- Limits for New Payees: Be aware that new online payments to new payees via the Internet Bank (without a card reader and relying on other authentication) may also be subject to the £25,000 daily limit.
Step 4: Utilizing Nationwide Telephone Banking (When Digital Isn't an Option)
If you're unable to use the app or internet banking, or simply prefer speaking to someone, telephone banking is a viable option.
4.1. Registering for Telephone Banking
- Initial Setup: You'll need to register for telephone banking, either by phone or in a Nationwide branch. Once registered, Nationwide will send you a telephone banking passnumber in the post. Keep this safe and memorized.
4.2. Making a Transfer via Telephone Banking
- Call Nationwide: Dial Nationwide's telephone banking number (available on their website).
- Pass Security Checks: You'll be asked for your telephone banking passnumber and either your customer number, account number, or your 16-digit debit card number.
- State Your Request: Clearly inform the customer service representative that you wish to make a bank transfer.
- Provide Details: You'll need to provide all the recipient's details (full name, sort code, account number, and reference if applicable). They may ask additional security questions to verify your identity.
- Confirm: The representative will confirm the details before processing the payment.
- Limits: While not explicitly tied to a card reader, telephone banking transfers might have their own limits, though generally, these are higher than typical online "new payee" limits. If you need to make a very large transfer, they may still direct you to a branch or suggest alternative methods like CHAPS.
Step 5: Understanding Payment Limits and Security Measures
Nationwide has varying payment limits depending on the method and whether it's a new or existing payee.
5.1. General Online Limits
- For existing payees or transfers between your own Nationwide accounts, you can generally transfer up to £100,000 per transaction with an overall £100,000 daily limit via the Internet Bank or Banking App.
- However, for new payees or those you haven't paid frequently, the online limit is often £25,000 per day. This is a crucial fraud prevention measure.
5.2. What if I need to send more than the online limit?
- Spread Payments: You can spread the amount you're sending over multiple payments on more than one day.
- CHAPS Payments: For very large payments (over £100,000), you might need to use CHAPS (Clearing House Automated Payment System). This usually incurs a fee and often requires visiting a branch or arranging it over the phone. While Nationwide does allow CHAPS payments online, for very high values, additional verification might be needed.
- Branch Visit: If all else fails, a branch visit with valid ID (passport/driving license, proof of address, and your debit card) allows for payments up to £25,000 per transaction with a £100,000 overall daily limit.
5.3. Nationwide's Commitment to Security
Even without a card reader, Nationwide employs several layers of security to protect your money:
 |
- Strong Customer Authentication (SCA): This is a regulatory requirement for most online payments, ensuring that it's truly you making the transaction. While a card reader is one method, biometrics and one-time passcodes are increasingly used as alternatives.
- Biometric Security: As discussed, your unique facial or fingerprint data provides a highly secure way to verify your identity.
- Encryption: All online and app transactions are protected by sophisticated encryption technology.
- Alerts: You may receive email or text alerts when new devices access your app or for certain transactions.
- Fraud Monitoring: Nationwide has sophisticated fraud detection systems in place to identify and prevent suspicious activity. They may occasionally ask for additional verification, even if you have biometrics set up, for fraud checks.
Conclusion
While the card reader has been a staple for online banking security, Nationwide has successfully adapted, offering secure and convenient alternatives for making nationwide bank transfers. The Nationwide Banking App with Account Biometrics is undoubtedly the most seamless way to conduct transfers without a card reader, providing both ease of use and robust security. By understanding the available options and their respective limits, you can confidently manage your finances, even when your card reader decides to play hide-and-seek!
Frequently Asked Questions (FAQs)
Here are 10 related "How to" questions with quick answers:
Tip: Read the whole thing before forming an opinion.
1. How to increase my Nationwide bank transfer limit without a card reader?
- Nationwide's online limit for new payees without a card reader (or using app biometrics/OTPs) is generally £25,000 per day. For higher limits to new payees, you may need to visit a branch or spread your payments over multiple days. For existing payees, the limit is typically £100,000 per transaction/day via the app or Internet Bank.
2. How to set up a new payee on Nationwide mobile banking without a card reader?
- Log in to the Nationwide Banking App, navigate to "Payments & Transfers," select "Pay a new person or company," enter the payee details, and then authorize the payment using your Account Biometrics (facial recognition) or device biometrics (fingerprint/Face ID).
3. How to transfer money between my own Nationwide accounts without a card reader?
- You can easily do this via the Nationwide Banking App or Internet Bank. Simply log in, select the "Quick transfer" option (or similar), choose the accounts, enter the amount, and confirm. No card reader is required for internal transfers.
4. How to order a replacement Nationwide card reader?
- You can typically order a replacement card reader through the Internet Bank by logging in and navigating to the security or ordering section, or by contacting Nationwide's customer service via phone.
5. How to use biometrics to make payments on the Nationwide app?
Tip: Read carefully — skimming skips meaning.
- Ensure you have "Account Biometrics" set up in your app settings (this may require a one-time verification). Once enabled, you'll be prompted to use your device's fingerprint or facial recognition to authorize payments within the app.
6. How to check my Nationwide daily transfer limit?
- You can check your specific daily transfer limit within the Nationwide Banking App or Internet Bank when setting up a payment. It will show you the maximum you can send for that particular transaction.
7. How to pay a bill using Nationwide online banking without a card reader?
- If the biller is an existing payee, you can pay them through the Internet Bank or Banking App using your passnumber, biometrics, or one-time passcodes for authentication. If it's a new biller, the same limits and authentication methods for new payees apply.
8. How to contact Nationwide customer service for transfer assistance?
- You can find Nationwide's customer service phone number on their official website under the "Contact us" section. Be prepared to pass security checks to discuss your account.
9. How to know if my Nationwide online transfer has gone through?
- You can check your transaction history in the Nationwide Banking App or Internet Bank. Faster Payments typically arrive instantly or within two hours. You'll see the payment debited from your account.
10. How to update my contact details with Nationwide for one-time passcodes?
- You can update your contact details (phone number, email address) by logging into the Nationwide Internet Bank under your "Details & settings" or "My profile" section, or by contacting customer service via phone or visiting a branch. Keeping these up to date is crucial for security and receiving authentication codes.
 |
