Barclaycard 4+

Good app, updates in real time. Problems - my credit limit isn’t big enough £3500 so I have to make payment before the direct debit is due. When I make payment from my Santander account I have to approve in the Santander App. When I do this and come back to the Barclaycard app to confirm, the Barclaycard app has reset (even though it was left open) and forgotten it was waiting for me to verify the payment. Therefore, I need to use two devices for the payment. One with the Barclaycard app open and the other with the Santander app open. I am sure most of us don’t carry two phones. Great that you can take out cash up to your cash limit (1000£) but if you then need more cash you will need to pay off your statement balance to reset. This happens within 24 hrs. Then you can take out more cash. If you try to purchase something exceeding your credit limit, even by 5£ the transaction is refused. Good text messaging feedback from app on transactions. Generally after 6 months usage you can request your credit limit is increased through the App.

The app itself when you actually can get in works fine. The first problem that arises is that the first time I tried to set it up took almost 45 mins. You have to enter a ton of security information (which is not a bad thing considering it’s a banking app) but while setting up it keeps telling you it’s saving your progress. LIES, It kept crashing then you have to start from beginning again every time, to the point where it wouldn’t let me continue anymore and I had to waste even more time calling them to set it up over phone. The ridiculous part from my review title comes from when you finally have it set up and you get a new phone, if you download the app to a new phone you have to go through the entire set up again with a whole new set of security measures. I’ve never used an app (including other banking apps) that make you do an entirely new set up just because you change device, your log in details shouldn’t have to change just because the app is on a new phone. I asked using their messaging service on the website why I had to do this and got 3 generic responses that were clearly cut and pasted from a script saying I had to call them (had no intention of wasting my time calling them) then they passed my question on as a complaint and after about 8 months they finally replied with another generic response that any new device has to be set up with new log in details. Most pointless app I’ve ever seen and a complete waste of time

The app, the card itself, and the customer support from this company have all been worsening since I got my original card several years ago. I have just been forced to take a newer and significantly less beneficial iteration of the Rewards card I have always held, and in doing so, lost the ability to use any card on my account at all for over a week. The old card has been cancelled, no new one has arrived, and I can’t even use Apple Wallet because there is a provisioning problem that they still haven’t fixed yet. When I contacted them about that they originally asked a bunch of moronic questions and acted baffled that Apple Wallet wasn’t working, told me I would get a call about that in a couple of days, then cancelled my new card and issued another. When that still hadn’t shown after 5 business days I contacted them again, and entered into the most braindead chat I have had in years with someone who first told me that the card I hadn’t received should arrive by the 18th then went on to ask me “what issue” I had with Apple Wallet after me describing it precisely, then finally asking if I had my new card to add to Apple Wallet a different way (the card I had started the chat by saying I still didn’t have). Absurd nonsense. Will never use this company again.