WARNING: £1.25 bank charge for using Natwest Visa Debit card on Amazon.co.uk - HotUKDeals
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WARNING: £1.25 bank charge for using Natwest Visa Debit card on Amazon.co.uk

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6y, 10m agoPosted 6 years, 10 months ago
Ordered 2 books off 2 UK Amazon sellers last week via my visa debit card. Checked my Natwest account today and each order has had a £1.25 bank charge placed on it.

Looked on the net and found this: http://bluematter.blogspot.com/2010/01/visa-debit-125-charge-for-amazon-and.html

and this: http://www.89pies.com/2010/01/natwest-charging-for-some-amazon-uk-transactions/

Both very recent blogs about it so it's a very new practice I think (I wasn't charged on my last order which was around a week previously, still well within January 2010 though).

Haven't got to the bottom of this yet. I've so far rung Amazon who told me that Halifax, who they bank with, will be emailing me. Going to ring Natwest too and see what's going on.

In the mean time I wanted to warn people that if you don't want to be charged an extra £1.25 per transaction, don't use any Natwest Visa Debit cards on Amazon for the time being. Or possibly any Visa Debit card anywhere online for now! Not sure how widespread this policy is.
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6y, 10m agoPosted 6 years, 10 months ago
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#1
the bas"!££$ds
[mod]#2
Lloyds TSB have never charged me and i order off Amazon quite a bit. Don't know if it's just a Natwest thing then but the high st must be rejoicing if this is to become common practise.
#3
cant believe it they should at least inform you first of any charges i shop on amazon from time to time but if this charge is goin to stay then i will not be using amazon every again ths is quite shocking ,what date did they start charging this price ????? :x
#4
I had one of these last week. Went into the bank (RBS) but they say the charge was made by the retailer, not the bank. When i complained to Amazon they sent me an e-mail asking for copy of my bank statement. I'll be phoning them up to get to the bottom of it.
#5
Damn won't be using amazon, though i did order a book the other week with no such charge from a maestro card from Natwest.
#6
Natwest haven't charged me
#7
I was going to buy something on amazon today, maybe i'll leave it! the thing i want isnt worth the extra lol!
#8
lloyds tsb debit card-never been charged.
#9
mintcake
I had one of these last week. Went into the bank (RBS) but they say the charge was made by the retailer, not the bank. When i complained to Amazon they sent me an e-mail asking for copy of my bank statement. I'll be phoning them up to get to the bottom of it.


Same here. Just got off the phone with Natwest and apparently it's not a charge they have issued. I was told if it had been it would show up as a seperate debit from Natwest (which it didn't, it was just a "CHARGE £1.25" label tacked on to the debit for the amazon purchase).

So Natwest have told me the responsibility for this lies solely with Amazon.

Which I guess makes this simpler to deal with.
#10
was it something bought direct from amazon or was it an amazon marketplace item? just wondering if this could be why some are getting charged and some not.
#11
Jimston
was it something bought direct from amazon or was it an amazon marketplace item? just wondering if this could be why some are getting charged and some not.


These were both marketplace items, yes.

The last item I bought in January wasn't, it was an 'Amazon EU S.a.r.L.' purchase.

So yeah, it does seem to be connected to the marketplace side of things. Though both the marketplace sellers were listed as UK sellers.
#12
Mine wasn't a marketplace item.
banned#13
Why don't you just tell the bank you didn't authorise the transaction and you want THEM to sort it, save you the hassle. Take your Amazon receipt into the bank and show what they charged.
#14
lumoruk
Why don't you just tell the bank you didn't authorise the transaction and you want THEM to sort it, save you the hassle. Take your Amazon receipt into the bank and show what they charged.


It's one way of going about it I guess. But for now Amazon said they'll get their bank Halifax to contact me within 48 hours about it and going by what I've learned so far it does seem to be Amazon's responsibility so I'll hang on for that email.
#15
mintcake
Mine wasn't a marketplace item.


Really? Well that blows that theory out the water. Amazon in general it is then.
#16
Okay, moneysavingexpert thread on it here

Seems you'll be safe from the charge if you use credit card.

And the only people this seems to affect are RBS/Natwest customers using the new Visa Debit cards they issued recently.
#17
tinkerbell28
This actually sounds like a bank/visa issue and what the numbers are being registered as. Hvae the bank in question recently changed the status of any of it's cards as it could be a BIN issue with visa, or them changing it and the retailer not having a chance to update their systems, it's the bank you need to chase.

There have been lots of issues with this recently more specifically visa debit from electron, if you had an electron for cheap flights, it's been changed, but some banks screwed up the BINS and it's still reading as an electron when it's a debit. Could be similar.


Hmmm... I'll try getting back to them then.

All they said was it can't be them because it would be listed as a separate charge but it's not, it's included in the charge listed for the items. Which seems fair logic.

Guess it's a middleman thing with Visa themselves. Neither Amazon or Natwest directly. But yeah, the buck stops with someone and I'll be damned if it's gonna be me.
#18
Yorkshire Bank:thumbsup:
#19
ill send op £1.25 if he stops making threads.
banned#20
black gerbil1
ill send op £1.25 if he stops making threads.


I second this.

I dunno whats worse - moaning about £1.25 or using Visa Debit cards.
#21
vibeone
I second this.

I dunno whats worse - moaning about £1.25 or using Visa Debit cards.


anything bg1 does youll be sure to follow huh:-D
#22
Spoke to Natwest again and they said they'll speak to Visa and get the charges credited back. So yeah, if you've had or get any charges you can do the same.

The reason for the charge is payment was processed by AMAZON.CO.UK LU (Luxembourg) as opposed to AMAZON.CO.UK GB, so it counts as an overseas transaction fee. And if you check your statements, this fact accounts for the apparent randomness of whether people get charged or not.
#23
vibeone
I second this.

I dunno whats worse - moaning about £1.25 or using Visa Debit cards.


£1.25 extra per book on a couple of £2 books.

And what are we meant to do to pay for things off Amazon? Open up a new bank account? Stick books on credit? Mail them cheques?
banned#24
Reload
£1.25 extra per book on a couple of £2 books.

And what are we meant to do to pay for things off Amazon? Open up a new bank account? Stick books on credit? Mail them cheques?


Use a credit card like normal people?
banned#25
casparwhite
anything bg1 does youll be sure to follow huh:-D


Aye. Given the choice, I'd rather follow the runaway success story than the likes of you.
#26
vibeone
Aye. Given the choice, I'd rather follow the runaway success story than the likes of you.


you see i have my own mind and dont follow anyone:roll::thumbsup:
banned#27
casparwhite
you see i have my own mind and dont follow anyone:roll::thumbsup:


But when it always leads to failure, is that really anything to be proud of?
#28
vibeone
Use a credit card like normal people?


Could have done I guess, will have to in future.

Prefer not sticking random small amounts on credit though.
banned#29
Reload
Could have done I guess, will have to in future.

Prefer not sticking random small amounts on credit though.


Why not?

I put EVERYTHING on card. Pay it off every month, have the funds in my account, but I still use my credit cards for everything baring drinks at a bar (unless it was quiet - in which case - card again).


Set up a direct debit for the full amount each month and its no different.
#30
vibeone
But when it always leads to failure, is that really anything to be proud of?


what are you talking about? im very successful thank you very much and i dont feel the need to lick peoples bottoms to get anywhere
#31
vibeone
Why not?

I put EVERYTHING on card. Pay it off every month, have the funds in my account, but I still use my credit cards for everything baring drinks at a bar (unless it was quiet - in which case - card again).


Set up a direct debit for the full amount each month and its no different.


Each to their own I guess. But for small online transactions where a credit card isn't going to offer you any insurance advantage over a debit card, I hadn't seen any difference between credit and debit card use till now.

Apart from the fact that a current account is direct, no interest and easier to keep track of than a credit card of course.

Only used a credit card when I wanted protection personally.
banned#32
Reload
Each to their own I guess. But for small online transactions where a credit card isn't going to offer you any insurance advantage over a debit card, I hadn't seen any difference between credit and debit card use till now.

Apart from the fact that a current account is direct, no interest and easier to keep track of than a credit card of course.

Only used a credit card when I wanted protection personally.


Why is it any easier to keep track of? Admittedly it varies, but I can check my barclaycard online whenever I like, pay when I like, and get statements from most ATMs?

As for security, while there is little difference below the £100 threshold in terms of protection, in my experience it is much easier to deal with CC companies than the bank when trying to recover funds (they've refunded transactions for less than £100 with little hassle for example)
banned#33
casparwhite
what are you talking about? im very successful thank you very much and i dont feel the need to lick peoples bottoms to get anywhere


OK :thumbsup::thumbsup:
#34
vibeone
Why is it any easier to keep track of? Admittedly it varies, but I can check my barclaycard online whenever I like, pay when I like, and get statements from most ATMs?

As for security, while there is little difference below the £100 threshold in terms of protection, in my experience it is much easier to deal with CC companies than the bank when trying to recover funds (they've refunded transactions for less than £100 with little hassle for example)


I find things generally show up faster on my current account than they do on my credit card. So if I want to do a spot check I know where I stand. Also find Natwest customer service a lot sweeter to deal with than Barclaycard (or anyone else for that matter).
#35
vibeone
OK :thumbsup::thumbsup:


ok isnt an answer to a question you know:roll:
#36
I too have had same problem with rbs visa debit card, bank say its not them and amazon say its the bank, hopefully if enough people complain then someone will have to refund us. I am wary of using amazon again as it doesn't happen every time I shop with them but you don't find out you've been charged until it appears on your bank statement
#37
The Banks are not the only ones claiming our money FOR NOTHING. I sent a payment on PAYPAL to E mail address in FRANCE for £200. For some reason no one knows he wasn't able to open it and claim the money. He returned it and back came £198 only. The recipient never took the £2.00 and PAPAL said they never took the £2.00. No-one will tell me who took it and what for. That is £2.00 for no service rendered. Some-one is jumping on the charges for nothing bandwaggon, we have to watch everything now The Banks are becomming crooks.. Regards. Dave P .
banned#38
another damn noob regurgitating ancient threads!
#39
Well its common practice to charge us £1.25 when we use the card for a euros transaction here in Gibraltar when we buy in spain.
Still i dont know why this charge is there as i use my barclaycard visa in spain and i only get the rate exchange euro to pound which is always a great rate.
Amazon is a purchase i dont know why you have been charged this unless the purchase was in euros?
anyway DONT USE THE NATWEST CARD ABROAD VERY EXPENSIVE WAY TO PAY
#40
Well its common practice to charge us £1.25 when we use the card for a euros transaction here in Gibraltar when we buy in spain.
Still i dont know why this charge is there as i use my barclaycard visa in spain and i only get the rate exchange euro to pound which is always a great rate.
Amazon is a purchase i dont know why you have been charged this unless the purchase was in euros?
anyway DONT USE THE NATWEST CARD ABROAD VERY EXPENSIVE WAY TO PAY

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