Debit Card expiry

Even with the same long number, you would have to update the expiry and security number.

Chris

yes

NT

If you mean Direct Debit, that is taken directly from your bank account number, not processed via Visa/Mastercard etc. no.

If you mean regular payments on the 16 digit number, yes

Richard submitted this idea :

That has left me even more confused. I have rung Yorkshire Water and they say their payment will carry on as normal, on the bank name and account number - no need to change anything with them.

Sometimes a credit card issuer can advise the company taking the money that the card details have changed. You may or may not have to DIY.

I think always on a DD with a bank the card makes no difference - the DD is against the bank account not the card.

How can that be confusing? Your card has a 16 digit number in the for nnnn nnnn nnnn nnnn It also has a sort code in the form of nn-nn-nn In addition it has your bank account number

Direct Debits are made from the Bank ACCOUNT number. That NEVER changes when the card expiry date is updated.

If you have paid for a service for example, Netflix, using the 16 digit number (nnnn-nnnn-nnnn-nnnn), that will need to be changed before the expiry date of your old card otherwise payments will not go through.

Chris B explained :

I think I will not bother informing them then - see who screams 'none payment' first.

Richard formulated on Wednesday :

I have nothing like that, just monthly Council tax, utilities and phone debits etc.. So they should be OK?

Isnlt thatv how they work (Debit cards) they have yuor bank account number and sort code and yuor name, none of these change when yuo get issued with a new card. If I buy someonethign on line with my card I always have to type in the 3 digit security number that is printed on the back. Which is difernt from the PIN number used at ATMs or using the card for a large sum purchase.

Yes.

There is a difference between a recurring payment using a credit or debit card and a direct debit.

The latter will appear as specific entries on your bank accounts list of direct debits and are linked to bank account and sort code.

The former are linked to your card number and might or might not process correctly depending on vendor and card supplier.

Chances are though that any purely card linked payments will fail now because the card number that you gave the store no longer exists and the old cards expiry date will have passed. One thing to remember is that first use of the new numbered card cancels the old one immediately.

What's the difference between setting up a DD via a debit card to setting one up on the account it refers to?

ISTM you are confusing direct debit mandates with continuous payment authorities.

While you can make a payment via debit card, in much the same way as you would a credit card, you can't actually set up a proper direct debit in this way.

You can also give authority for automatic recurring transactions to be made on the debit card - again these will be processed in the same was as a cc transaction.

Both of those allow a vendor to bill your debit card, where funds are used from the linked bank account to satisfy the payment. However the vendor has no access or knowledge of your bank account number or sort code.

Alternatively you can setup a (variable) direct debit payment via your bank. This allows a vendor to request funds directly from your bank account. This is not connected to a debit card in any way (and you don't even need one to do this).

The rules and protections for the two systems are different. Many would argue because of the immediacy of the debit card transaction, they are unwise to use online. They also lake the "joint and several" liability protection you get with a credit card (where if the vendor fails to meet their end of the deal you can claim a refund from the card issuer).

Yep

I think you need to refer this to Harry. ;-)

It was you who was confused. Don't shift the blame to Harry. Bit like waiting at a bus stop. One should not be in a car when doing so.

The other problem you might get: if you have paid for e.g. a rail or theatre ticket using the old card and then have to show the same card to pick the tickets up from a machine or even a person, the card numbers won't match. It may be sensible to hang on to the old card even after its expiry date if you have pending orders matched to it.

Thanks for proving you don't know the difference between a direct debit and a continuous payment authority.

If John Rumm's explanation wasn't clear enough to you, perhaps someone will try again in simple language that even you can understand.