Welcome! Log in or Register

Switch Card Services

  • image
£5.00 Best Offer by: ebay See more offers
13 Reviews

Founded in 1988 switch gives direct access to your current account 24 hrs a day. It is the U.K's leading debit card scheme.

  • Sort by:

    * Prices may differ from that shown

  • Write a review >
    How do you rate the product overall? Rate it out of five by clicking on one of the hearts.
    What are the advantages and disadvantages? Use up to 10 bullet points.
    Write your reviews in your own words. 250 to 500 words
    Number of words:
    Write a concise and readable conclusion. The conclusion is also the title of the review.
    Number of words:
    Write your email adress here Write your email adress

    Your dooyooMiles Miles

    13 Reviews
    Sort by:
    • More +
      06.06.2009 19:04

      Advantages

      Disadvantages

      A service you can bank on

      I have had a Switch card since it was invented -that's over 20 years, so I believe I am somewhat qualified to voice an opinion. I have never had a single problem with the card and I love that I can make, what are for all intents and purposes cash purchases 24/7 using this card. I hardly ever have to go to a cash point machine or to my bank to withdraw cash, as at most major outlets you can get cashback when you make purchases using Switch. I prefer to do that as I never feel totally secure withdrawing cash in the middle of the high street. Switch is the leading debit card scheme provider in this country and I believe it got to that position because it earned the No 1 spot. I don't think I have ever heard a bad word about their service. Well except when people forget their pin- but that's not their fault now is it?

      Comments

      Login or register to add comments
    • More +
      01.02.2007 23:19
      Not Helpful
      (Rating)
      3 Comments

      Advantages

      Disadvantages

      Who are they to stop approved transactions?

      My card has since been changed from Switch to Maestro, ok no problem. I make a purchase in excess of £10,000. The bank phones and asks if I have made such a purchase, yes I answer, okay - no problem. Only to find out a week later the transaction never took place and missed the boat on my purchase. NatWest told me the seller declined the transaction, the seller tells me the bank declined the transaction. Getting to the bottom of it all I have since found out that Maestro will not accept transactions over £10,000 even though you have gone to the trouble to phone the bank back who had left a message on answer phone regarding the transaction. The bank said they have received so many complaints over this recently. What makes me so mad is that the bank completely blame Maestro they say they have nothing to do with them. WHO IS THIS THIRD PARTY? I missed out on a deal because of them.

      Comments

      Login or register to add comments
      • More +
        15.07.2005 14:49

        Advantages

        Disadvantages

        Easy to use and convenient.

        The Switch card is the most useful card ever invented. It is so handy to use for a 'cash' sale with the added benefit of letting you have cashback as and when required. It is accepted in most retail outlets and over the phone and is so convenient. It also means that if you haven't got the money you can't have it so it helps you control you spending. It is better than a credit card as there is no interest involved.

        Comments

        Login or register to add comments
      • More +
        09.03.2004 20:34
        Not Helpful
        (Rating)
        5 Comments

        Advantages

        Disadvantages

        I am deeply concerned. An ISP (Gio internet) has been debiting my switch card at the end of the last two months even although I cancelled with them. I have been assured twice by the ISP that my account has been cancelled. I went into my bank (Bank of Scotland) & asked for the payments to be stopped. To my horror I was told that they could not do so as I did not have a direct debit or standing order with the ISP They were just reusing my card No. & it was my problem not the banks. I was also told changing my card would be of no help as the ISP would be able to access my new card. What options do I now have left? Should I cancel my debit card & not take out a new one or change banks? So much for the safety of online trading. Has anyone out there had a similar problem?

        Comments

        Login or register to add comments
        • More +
          18.01.2004 05:28

          Advantages

          Disadvantages

          It's good to know that i don't have to carry cash, and that i can't get into debt in the same way that a credit card might allow me to. For those who aren't sure what a switch card is, i'll just give a brief definition... A switch card debits money straight from your account from the point of sale. It was founded in 1988, and has become common place since then. Because it deducts straight from your account (within 2 days) you cannot spend more money than what is in your bank account. You can also get up to £50 cash back from many supermarkets with your card. You can find all the updated information about Switch at: http://www.switch.co.uk/home.asp I've put that URL in, as the information about the card and its acceptibility changes so often. (always for the better) I live in Northern Ireland, and would sometimes cross the border to the rep of ireland. and unfortunately Switch doesn't work there, or is not widely accepted. Although i recently saw an advertisement on TV which said Switch was changing to become accepted outside the UK. This would be great. At home I have never been refused my card at any store, restaurant or bar, which makes it seem to me that Switch is widely accepted. It is also very useful and hassle-free for purchasing over the internet. Getting a Switch card can prove to be quite difficult on it's own... a few banks require there to be a minimum amount passing through your bank account on a monthly basis for you to acquire the card. Check with your own bank though! I do love my switch card :)

          Comments

          Login or register to add comments
        • More +
          02.12.2003 00:32
          5 Comments

          Advantages

          Disadvantages

          Switch is the UK's number one debit card and is used by over 23 million people in the UK. In recent times Switch has brought out an advertising campaign to show the marriage of the UK Switch card and the European Maestro debit card, a card which in reality is not much better than Visa Electron or Solo, i.e. can't be used over the internet, also known as a point of sale card. The Switch card can be used practically anywhere in the UK, and on the internet, and in the UK has a cashback facility in shops if you want it. So once the Switch logo disappears on the UK's debit cards in the next couple of years, and Maestro takes over, will we see Maestro improved to Switch popularity and ability to be used over the internet, or will Switch get dragged down to Maestro's level and be little more than a glorified cashpoint card with a face-to-face Visa Electron style facility. I hope and pray that it's not the latter. Switch gets ***** Maestro gets **

          Comments

          Login or register to add comments
          • More +
            22.09.2003 07:23
            1 Comment

            Advantages

            Disadvantages

            Switch - what a nightmare! Ok its great to pay by card and not have to carry cash but this green card can be a big hassle. It is a bit too easy to use and it can take a day or so for the debit to hit your account therefore you could be spending what you don't have. That is a bank managers dream - they live off the massive fees they hit you with. Then you get the stupid cashiers who can't operate the card machine. I've got my card accidently swiped twice a few times meaning that two amounts come out. That means you have to keep receipts, check bank accounts and in some cases argue your case with the cashier when things go wrong. There is also the case of the signiture - My signiture is different every time and you get the cashier examing your card like you are some sort of criminal. D'oh! - i'll just use cash - it's easier.

            Comments

            Login or register to add comments
            • More +
              04.07.2003 06:36
              3 Comments

              Advantages

              Disadvantages

              Well, not literally. That would be WEIRD. But seriously, Switch is a lifesaver. It's a debit card that links to your current account, so when you spend on it, you don't pay it off at the end of the month - the money for that transaction comes off your accuont there and then. You can use it in shops, over the phone or net, or even internationally with the help of Switch's good friends Maestro (for debit card purchases abroad) and Cirrus (ATM withdrawals abroad). So that's what it DOES, but what about how good it is? Well, it's good. Very good. It's never ever ever not worked for me - well once last week where the card reader was broken at the shop I went in, but that wasn't Switch's fault. Easy to use, and super speedy. Thumbs up.

              Comments

              Login or register to add comments
              • More +
                14.06.2003 14:51
                Very helpful
                (Rating)
                10 Comments

                Advantages

                Disadvantages

                The humble (or not so humble) Switch card, according to its website, is the UK's leading debit card scheme. Founded in 1988, it currently has an estimated 23.3 million card holders and can be used at over 650,690 outlets (and rising). It’s a handy alternative to paying by cheque, and relieves you of the necessity of having to carry large amounts of cash on you. All the major banks and building societies are members of Switch, so no matter with whom you have an account, you should be eligible for one. When shopping with a Switch card, you present it to the retailer who swipes it through a terminal. This electronically records details of the transaction and card, and then seeks authorisation - within around five seconds. The retailer's bank then collects daily transactions from the terminal and transfers the data to your bank via SwitchNet, and your account is automatically debited within a few days (nearly always less than a week). This includes almost any high street retailer, as well as travel agents, theatres, cinemas, restaurants, hotels, petrol stations and the like. You can also purchase goods online, having satisfied yourself that the relevant site is safe enough (though online retail security is a different issue), quoting card number, expiry date, and issue number as well as your own details. For this you need to quote the details such as card number, expiry date, issue number, and your own details, via the website to purchase goods on-line; or over the telephone. As well as using it for purchases and services, you can get cash back in supermarkets and similar outlets, without charge. You also have access to instant cash from your current account 24 hours a day from your nearest ATM or Automatic Teller Machine (or hole-in-the-wall), provided you have sufficient funds in your account. You can request statements of current balance (on-screen or printed) and printed mini-statements, showing your current b alance and last few transactions. For these functions you need to use your four-digit PIN (Personal Identification Number) which is generally sent to you by post, with strict instructions (a) to memorise and destroy it in order to prevent fraud and (b) never to write it down. You can also change your PIN number regularly. While on the subject of security, you are advised not to keep a Switch card with your chequebook. Above all, unlike Visa and Credit Cards, it is a totally free service. In my experience very few firms will not accept payment by Switch (AOL was an exception to the rule, when I wanted to take out an ISP with them three years ago, for instance, though that may have changed since then). So if you have a tendency to indulge in the odd spot of shopping therapy on the others, it might be wise to check your statements sometime and see how much you are paying in extra fees. They very soon mount up. Should you have insufficient funds in your account at the time of purchase, then you need to consider a credit card instead, so you can pay off your account in stages at a time. However you will be subject to interest charges if you pay off a credit card balance in instalments instead of paying off the entire amount in full. Debit card purchases incur no interest as the amount is taken directly from your account soon after purchase. If you lose your card, report the loss immediately by phone (again, 24-hour service), having your account number ready to hand. It will be cancelled, you will be sent a new one free of charge by return of post, and the new PIN number should follow within 3-5 days. Perhaps the only disadvantage to Switch is that it cannot be used in foreign countries, unlike credit cards which are internationally accepted. For someone like me who has not set foot outside the UK since 1974 and has no plans to do so again, that’s hardly a major consideration! I find it ideal and I wouldn’t be without mi ne. Further information can be found on their website at www.switch.co.uk/

                Comments

                Login or register to add comments
                • More +
                  30.11.2002 05:01
                  Very helpful
                  (Rating)
                  4 Comments

                  Advantages

                  Disadvantages

                  Okay the Switch card has been around for some time. Electron/Solo cards out the window - they dont compare. Its actualy quite a good debit card - no fuss of carrying cash and change or going to the cash point - secure, easy, convenient - everything you want from a debit card. I dont need to go on most of you probably have one. The only bad point about this card, is for those of you who like shopping online or want to use your card when you're abroad. Now, it has major flaws - apart from the UK nobody accepts Switch. Okay it has Cirrus/Maestro on the back, supposedly these are widely used around the world but... no they're not. Wanna buy something from that US website? Maybe its much cheaper or not available in the UK? Well too bad you cant! Very few MAJOR retailers let alone smaller ones, accept Cirrus/Maestro abroad. Too bad you're going to have to pull out that 'beloved' credit card. Its a bit of hassle - you have use your credit card and then pay that balance off using the cash you already had in your bank account and wish you could spend directly. If you're out and about abroad its very limited also. If you're looking for a better debit card, look no further than a Visa Debit card. It does everything a Switch does and more. Visa as you know, is accepted practically everywhere. Doesn't matter where you are in the world its available and you're cash available with it. Usually you hear the word "Visa" and you think "credit" or "interest." But this time its just a normal debit card taking cash straight out of your bank. The only problem with this card though is that not so many banks issue them. Shame really. Other than that, go anywhere, surf anywhere, you can use it. Anyway for now, I'll just stick with my combo of Switch and good old Mastercard to get everything done. Its not worth switching (no pun intended) banks over for a Visa....

                  Comments

                  Login or register to add comments
                  • More +
                    10.05.2002 15:36
                    Very helpful
                    (Rating)
                    7 Comments

                    Advantages

                    Disadvantages

                    First it was Visa Electron when I was 14. A mere 2 years later is was Solo and now, 3 years on, it’s Switch. What am I talking about? My choice of debit card of course. We all know what a debit card is, right? One which operates like a credit card, but removes the money from your current account immediately, rather than piling up in the form of a debt to be paid off (or not) at the end of the month. Anyway, some questions and answers to start with, and then my views on the service. ~~ Which banks offer Switch ~~ As far as I know, Lloyds TSB are the only bank who do not – they favour Visa Delta instead. Everyone else, from the big high street names like HSBC, to regional set ups such as Allied Irish Bank to former building societies including Norwich & Peterborough, seem to like Switch. ~~ Talk me through a typical offline transaction ~~ You enter a shop. You find what you want. You approach the cash desk, and the conversation goes something like this: Assistant : That’ll be £99.99 please You: Do you except Switch here? Assistant: But of course my good fellow. By jove, I’m not sure I could name a decent store which doesn’t these days. Marks and Sparks do, and Debenhams and Boots. Then there’s HMV and WH Smiths and lots of smaller shops too. All the supermarkets do, and the travel agents. It’s blooming impossible at times to find somewhere that would say no to your little green logo. You : So that’s a yes then? Assistant : Certainly Sir. If you’ll just hand me your card, I’ll swipe it through my machine, which will link up to your bank and check you have the funds available. Once authorization comes through I’ll just ask you to check the details on the slip and sign your name. I’ll then verify that this signature matches the one on the card, before handing it back to you with your receipt. It’ll all b e over in a couple of minutes. You get the picture….. ~~ Other Stuff ~~ You can use Switch in non-signature environments, for example with mail order purchases, or online. In these instances you need to provide your switch number, expiry date and the issue number, based on the assumption that any fraudulent types won’t have access to all these details. With almost all Switch cards, you can use them to pay for services and / or withdraw money abroad wherever you see the Maestro and Cirrus signs. With my cards there’s a minimum charge of £1.50 for cash withdrawals, but no fee for purchases. You can also get cash back in supermarkets and the like – based on your signature instead of your pin, you can withdraw cash with any purchase as long as your bank authorizes it - and there’s no charge for this service. ~~ Facts ‘n’ Figures ~~ I’m not sure who counted, or in fact why, but I am pleased to inform you that: 579 128 outlets in the UK take Switch (a significant number more than take Solo), and this figure is rising steadily There are nearly 21 million Switch cards in use in the UK - and only 4 of them are mine :-) ~~ Typical User ~~ Because of the nature of the card – that it’s a debit one and not a credit one – it is often used by those with poor credit histories. However it is also widely used by the general population - most Switch cards double as cash cards and cheque guarantee cards, and are handy for when you want to pay immediately, but cannot get to a bank to get the cash out, or don’t want to carry it on you. They are a lot less dangerous than credit cards in terms of losing track of your money too. ~~ My take on it ~~ Save the best till last, eh? I live for Switch, in a way. I very rarely carry a lot of cash, and yet I don’t like running up large credit card bills. If I need cash and cannot be bothered to go to the bank, I’ll get cash back with my groceries. I bank online and within a couple of days Switch transactions show up in my account, so I always know where I stand with my money. When booking a holiday I use Switch to avoid the fees imposed with credit cards. 1.5% may not sound like a lot, but it adds up when you’re jetting off all over the place. As long as it continues to be a free service, I’ll carry on using it happily.

                    Comments

                    Login or register to add comments
                    • More +
                      17.10.2001 05:23
                      Very helpful
                      (Rating)
                      9 Comments

                      Advantages

                      Disadvantages

                      If like me, you like the convenience of cheques, but don't like the inconvenience of carrying round a bulky cheque book all the time, then Switch is a handy companion for a multitude of purposes. It is particularly useful for those of us, myself included, that occasionally have shopaholic tendencies. A number of banks offer the Switch service, which is now widely accepted at the vast majority of retail stores and other outlets such as restaurants, hotels, leisure facilities and just about anywhere else where you might spend money. HSBC, NatWest, and The Bank of Ireland are three major players that offer Switch functionality to its account holders, being in the form of a plastic card. It is possible to pass this card over for payment, or even to quote the details (ie: card number, expiry date, issue number as well as your own details) via telephone or on a web site to purchase goods on-line. You will usually be asked to sign a receipt and will also be given a copy to keep for your own records (for any 'off-line' purchases.) It is worth holding on to these receipts for your own records. Debit cards, such as Switch, offer a high degree of convenience, provided you have sufficient funds in your account. Switch is not the only debit card available - some banks offer Delta and others Visa, which is perhaps more commonly associated with credit cards, although the principle is the same in all instances. The major difference will be which debit cards are accepted at which outlets. Switch is now very widely available, as is Visa, although Delta is also becoming much more commonplace as well. The amount that you have spent using Switch will usually be debited from your account the next working day, although in some instances it may take 3-7 working days or sometimes longer for it to show on your account. If you do not have sufficient funds in your account at the time of purchase then you would be better advised to use a credit card that a llows you to pay off your account in stages if you wish. However, it is worth noting that you will be subject to interest charges if you choose to pay off a credit card balance in instalments rather than paying off the entire amount in full. Debit card purchases do not occur any interest as the amount is taken directly from your account soon after purchase, in much the same way it would do with a cheque. Switch negates the requirement to carry large amounts of cash around with you, and is therefore a safer and more secure method of payment with a lower risk. Of course, card fraud is possible and it is as well to keep a regular check to ensure your card has not been stolen and to study your statements regularly to ensure that no unauthorised payments have taken place. I use Switch several times each month - at the shops, at the petrol station, and increasingly on-line. I also have a credit card but tend to keep that reserved for more significant purchases. Switch can also be used to get cash back in a growing numbers of outlets, including supermarkets and some pubs. This can prove to be particularly handy if there isn't an appropriate cash machine nearby. For example, if you buy £40 of groceries, you could use your Switch card to pay for them, and also to get up to £50 cash back. If you take full advantage, you will have paid for your goods, with £90 billed to your account, and £50 in your pocket to spend elsewhere. Increasing numbers of customers are realising the benefits and convenience that Switch offers - have you joined the revolution yet? {An original Dooyoo opinion © Blackjane 2001}

                      Comments

                      Login or register to add comments
                      • More +
                        05.09.2001 09:02
                        Very helpful
                        (Rating)
                        2 Comments

                        Advantages

                        Disadvantages

                        Using a debit card like Switch is extremely useful and convenient. First of all, it rules out the neccesity of having to bring a lot of cash with you at a time. It also acts as an alternative to paying by cheque. Having used this service through out the whole of my student years, I believe that it is a great alternative to using credit cards. I never did have a lot of problems with money matters and whilst studying I chose not to apply for credit cards unlike many of my friends. The reason being that I had seen many of them falling into the trap of using up their credit limits and ending up distraught when it came to paying. Actually, I did believe that I could control my spendings wisely but I didn't really want to take the chance. Being an avid shopper myself I knew that it was all too easy to spend a lot when you have the freedom, as in using credit cards. Therefore, I chose to and still remain loyal to my switch card. Using switch, it is comforting to know that what you spend will be automatically deducted from you account within 3 days at the most. You are therefore always in control of the amount you spend as you can check and update your balance easily. And if you do not have an overdraft facility then the transaction will simply be unauthorised (embarassing but better than being in debt). Switch is so convenient in many ways especially in this day and age where online shopping has become so popular. I was pleased to see that the main online stores such as amazon, tescos, etc. all also accept Switch along with the usual credit cards. This make shopping online more convenient since in the usual case, if you do not have a credit card, you will have to pay by cheque. And paying by cheque for online goods takes ages to process. Now if you are shopping in the old fashioned way, you will be pleased to know that Switch is the leading debit card in the UK and is accepted in most stores. Even small corner lot conven ience stores accept them. You can also pay by Switch at travel agents, the rail and coach stations, cinemas and so on. When paying by switch, you can also have the choice of getting cashback. Switch and other debit cards, are especially useful for young adult who are entering into university or college, who might not really be in control of their finances yet. It gives them the feel of using plastic as a means of payment, yet they do not have to be burden with the possibility of overspending. Once they feel more comfortable then, they can graduate to using credit cards. The only minus that I can think of is that Switch can not be used in other foreign countries unlike the credit cards which are internationally accepted. So there, thank you to the wonderful creators of the debit card for making life a little bit easier on us.

                        Comments

                        Login or register to add comments