Applied for the account, terrible experience 
The application crashed when finishing the switch details at the end, as a result my account details have been sent in the post rather than accepting the boxes I ticked online
I have to return papers via freepost then wait for cards to be issued, I’m assuming that switching later on won’t make me ineligible but a poor experience nonetheless
They couldn’t find my application for ages as joint applications are on an older system…
Sounds like a disaster!
Perhaps their application system has fallen over now that everyone is chasing a switching bonus and their IT is old?
No idea, they said it was just reporting a loss of connection but the ‘finish’ button was completely unresponsive. I took the page to a branch as I work next to one, they were none the wiser! Had to ring up.
Another question, I put my Partners details as Ms as that’s what she goes by. I’ve just noticed the RBS account was under Miss 
I know it needs to be joint to joint, and under the same address - could you well versed folk envisage this being any problem?
I believe Nationwide have started to look at alternatives to the card reader.
I would agree the HSBC solution is the most secure and I believe they are looking at how to use their system with multiple customer devices
Hard to tell. I know where I work the title won’t matter. It could be a problem if Nationwide have an inflexible system.
“If”? Given we are talking about nationwide, that seems very optimistic…
It’s Friday sir, the most optimistic time of the week.
Isn’t this the same issue with having any bank app on your phone, not just Nationwide?
In fact, with Nationwide wouldn’t you also need your card reader with you to for someone to rob you this way (needed to setup a new payee)?
Given I’m having to wait for the Nationwide account to be opened via the post. I think I’ll get her to change the prefix to be on the safe side.
The existing system isn’t expensive at all
It requires a card (ATM or Debit) which would required to be issued anyway and a cheap card reader that either doesn’t get replaced or only occasionally.
I find their IT, whilst fairly unremarkable, to be fairly robust.
Strangely that’s why I’m attracted them.
It is more expensive than not needing a card reader at all!
I have also experienced oddities at the application stage in the past (a chequebook turning up with my name spelt wrong, despite the debit card being correct, etc) and they have fairly regular downtime so I wouldn’t exactly consider their IT to be robust.
I think the downtime is ‘too’ well advised. When looking at industry averages they were not particularly bad.
Yes, I’m being harsh here by comparing them to fintechs really.
It does seem that, behind the scenes, at lot of their processes are heavily manual and therefore prone to error.
It’s only really assuming the role of my one BAM account - so sure it will be fine. I’ve had similar experiences applying for other accounts.
Good point, although money could be transferred to an existing account also on the phone and out from there, subject to the £10,000 a day limit.
Is this a fully speak-to-someone phone banking or not?
I’ve never used Nationwide’s telephone banking service, but some banks offer an automated service which is useful for when there is something wrong with the app (like downtime) and you want to pay an already-setup payee quickly.
Do Nationwide offer that or not?
Also, is their telephone service 24/7?
I don’t think they have an automated telephone banking service, but it’s easy to speak to someone. The opening hours depend on your query - a general account query, pretty much office hours. A potential fraudulent transaction, 24 hours.