So how exactly am I supposed to pay for anything online if TSB consistently block me from making online payments?
You’d think things like click-safe, double-password protected cards would get processed without much ado by your bank – seeing as the secondary “clicksafe” password is there to ensure you are who you say you are when you attempt to pay for something?
Alas, it seems that many banks have a safety algorithm programmed into their systems that says something along the lines of:
If this payment is taking place from outside the UK – there must be a Nigerian/Bulgarian gangster holding our client at gunpoint and therefore approving this sale would not be a safe thing to do. Reject. Reject. Reject!
Why a Bulgarian gangster would want to buy a TFL oyster card or a music CD worth 12.99GBP is neither here nor there, obviously.
Gone are the days when I used to get a call from the bank saying “Someone just tried to use your card from France!” – to which I almost always answered “Yes it was me – I live in France.” Now they don’t bother and simply let the (stupid) computer make decisions – but clearly without any regard for where I actually live.
But it’s not all bad news on the cross-border banking front – I was very pleased to discover Transferwise recently: which takes the pain out of transferring money from the UK to France by avoiding the banks fees and unfair exchange rates. Here’s hoping some other bright spark finds a way of convincing UK banks that people who live abroad might actually want to use their credit card to, er, buy something.
Or is that too much to ask?