Internet Banking Demo Transcripts

Register for Internet Banking

Homepage

Select the "Register" link on the homepage

Register for Internet Banking

Choose what type of account you want to register with

There are links on the page to give you details of what accounts are "eligible accounts" and what to do if your "account isn't listed"

After selecting your account type select "Begin registration" to continue

Register for Internet Banking - Enter your details

You will be asked for some simple details about your account and about you.

As you select the boxes help appear to guide you through.

After you have completed your details, please read the "Terms and Conditions" and select the "Continue" button to proceed.

Register for Internet Banking - Enter your Memorable data

You will be asked to enter 3 items of memorable data.

After you have completed your memorable data, select the "Continue" button to proceed

Registration Successful

The confirmation message will tell you what happens next. We'll send you everything you need to get started in the post within a few days; as you have these you can start managing your accounts online

If, for any reason we are unable to register you, we'll let you know what you need to do next

Bank Overview

Overview of accounts

Welcome to your new internet bank

The Overview page gives you a clear view of the accounts you hold with Nationwide

The tabs at the top of each screen allow you to easily find your way around

We've included a "Related services" section which makes further information easy to find

There are quick links to the things customers do most frequently

Clicking on an account name will show you the transactions for that account

Benefits - Statements

You have control over the display of your statements through filtering or sorting your transactions

You can find copies of your paper statements for up to 36 months in your statement archive

Benefits - Calendar

You have a calendar view of transactions, making it easier to track your spending through the month

Benefits - Graph - Paid out vs. Paid in

Compare income against your spending

Benefits - Graph - Pie

See a further breakdown of your income or spending

Benefits - Graph - Balance over time

Track your balance over time

Help

There are plenty of places to assist you in getting the most from your banking experience

Our Help centre will give you access to search topics

Related services gives you access to troubleshooting and demos which guides you through areas of the bank

Help on this page is there to give you support on things you can do on the page it is displayed

At the top of the page, My messages gives you the option to send us a message with your query

Move money and manage payments

The Move money section allows you to move your money around, either transferring between your own accounts or making payments to other people and organisations

A Quick transfer tool is available for you to instantly move money between your own Nationwide accounts

Manage my details & settings

Manage my details & settings section allows you to change settings such as your address and phone number, email address. You can also "Go paperless" with your statements, rename your accounts or order a new card reader

Browse products and apply

The Browse area gives you information about products we offer

You can view any offers that may be of interest to you

Access any quotes you've had, or applications that you have started

If you are looking for a new product, our Browse products section will give you details of the range of products available

Other account services

When you access your accounts you will find some helpful links under Other account services

From Viewing charges on your account and Request a PIN reminder in Account services...

...requesting an S975 or R85...

...to Reporting a problem

Now you've had a quick tour of the new internet bank. Choose another demo to find out more

Using statements

Overview of accounts

The Overview of accounts page will give you a summary of all your accounts grouped together under simple to read headings

You can easily access things you wish to do on the account through the quick links next to each account. This will list the common activities you may wish to do

The Related services section shows you links that will help you navigate quickly to other areas of the bank. These will change as you explore different areas of the bank to make them relevant to what you are looking at

Click on one of your accounts to access your statement for that account

Mini statement

The mini statement gives you a summary of (up to) your last 12 transactions on the account you selected

Further transactions are available either from the Full Statement link on the left, or the link underneath your transactions

Full statement

The Full statement lets you easily view up to 15 months of transactions on your account

There are 3 quick link buttons covering Last month, Last 3 months and Last 6 months

You can choose your own dates by selecting Enter dates

The dates are clearly displayed to show the range you have selected

You also have control over how you want to display your transactions through Filtering transactions, where you can choose which transactions to display

or you can use the sorting icons next to the headings on the table to change the order your transactions are displayed in

Calendar

The Calendar shows all your previous transactions in an easy to use date view

You can also see any upcoming regular payments or future dated single payments

Use the "Previous" and "Next" buttons to move between different months

Selecting "Show more" on individual days will reveal all transactions for that day

Selecting the "Expand to show all transactions" box, will show all hidden transactions for that month

Graph - Paid out vs. Paid in

The Paid in vs. Paid out page shows you a graph of how much money you have paid into or withdrawn from your account

The buttons above the chart change the date range of the graph from 14 months, down to just the current month

The graph information in a table link below the graph gives you a table view of the information contained in the graph

Clicking on the bar will open a pie chart giving you a further breakdown of the total and hover over the sections to give you more information

Graph - Balance over time

The Balance over time graph shows how your balance has changed over a period of time

The buttons above the chart change the date range of the graph from 14 months, down to just the current month

The graph information in a table link below the graph gives you a table view of the information contained in the graph

For time periods up to 3 months, balances from the end of each day will be displayed. For time periods over 3 months we will show the balance from the end of each week

Statement archive

You can view and print your statements and annual summary in PDF format

If you do not have Adobe Acrobat installed, you can install it by selecting the Adobe Acrobat link

You can select previous years (up to 36 months) by using the drop down box and selecting the View button

Interest and tax paid

You can view interest and tax paid on your accounts from the "Other account services" area

You can use this information to complete your tax return without needing to request a Section 975 certificate

Manage my details

My personal details

You can access My personal details from the "Manage my details & settings" tab

You can view and update contact details we hold for you, and change your marketing preferences. These determine how we contact you about our products and services

Select the links next to the details you would like to change. You can change some of these online, for the others we will give you the form you need to complete

Change address

The "View and change" link will give you access to view and change your address online if you have a card reader (alternatively a form will be available)

My Personal details

If you want to change the address shown, click "change" and enter the new details

Choose the radio button for either "UK address", "Foreign address" or "BFPO address

Entering your property name/number and postcode and selecting Find address will automatically find your full address, alternatively you can enter it manually. Finally, enter a date if you would like it to be updated on a specific date. Once you select "update address" your details will be updated within a couple of days

Log in using card reader

Home page

Select the button on nationwide.co.uk to enter the Internet Bank

Log in to the Internet Bank

Type in your customer number (This is the number you were sent after registering)

Log in using your Card Reader

The Internet Bank will know if you use a card reader and you'll see this screen with instructions

Insert your card into your card reader

Press the identify button

Enter your PIN and press OK (This is the PIN you use to withdraw cash at an ATM)

Your card reader will give you a passcode. Enter it here

If details entered correctly, selecting the Log in button will take you to your accounts

If you don't have your card reader you can still log in with your memorable data

Log in using security details

Home page

Select the "Log in" button on nationwide.co.uk

Log in to the Internet Bank

Type in your customer number (This is the number you were sent after registering)

Enter your security information

Enter one item of memorable data you chose when you registered for Internet Banking

Use the 3 drop down lists to enter the digits from your pass number

Selecting the Log in button will take you to your accounts

Security challenge using a card reader

Authorisation required

When completing transactions you may be asked to use your card reader as authorisation

Select the card you wish to use from the drop down list and pop the card in your card reader

When asked to "Select Function" press the Sign button on your card reader

Enter the ref detailed on the screen

Enter the amount detailed on the screen

Your card reader will display a passcode, enter this in the passcode box

Select the "Authorise" button, if details are entered correctly your transaction will be confirmed

Security challenge using Security Questions

Security Question

When completing certain transactions you may be asked to answer a security question

Enter the answer in the box

Select the "Continue" button

Make a payment

Move money and manage payments

We've created a whole section for moving money, either transferring between your own accounts or making payments to other people and organisations

The Quick transfer tool is still available for you to instantly move money between your own Nationwide accounts

You can make payments using the Pay a bill or send money to someone section. Just select Single or Regular payment

Who would you like to pay?

Select who you would like pay. In this example we will select "A new person or organisation" and select Continue

Who would you like to pay - Step 1

You will be asked details of who you would like to pay. If it is a large organisation you can pick from a list or use the search

After you have finished entering the select Continue

After you have finished entering the select Continue

Make a single payment - How much would you like to pay?

You need to enter how much you would like to pay

When you would like it paid (entering a date if it is in the future)

and then select "Continue"

Make a single payment - Check and confirm payment details

Before your payment is made, you are required to check and confirm the payment details you've set up

If you notice a mistake you can select the "Previous" button to go back and change the details

Alternatively you can select "Cancel" if you decide you don't want to proceed with making the payment

If everything is okay, you can select "Confirm"

Make a single payment - Your payment has been sent

You will get confirmation that your payment has been sent

You also have a list of quick links of things you may want to do next

The details of the payee will be saved for you in the "Manage Payees" section and you can check and amend them at any time

Manage payments

Move money and manage payments

We've created a whole section for moving money, either transferring between your own accounts or making payments to other people and organisations

The Quick transfer tool is still available for you to instantly move money between Nationwide accounts

The Manage payees section contains details of all the people and organisations you have made payments to. You can view and edit their details, delete payees and add new ones. Selecting Go will take you into the section Other information

Manage payees

Manage payees details all the payees you have on your account, including single, regular and Direct Debits

Use the drop-down lists to work with your payees - you can make a payment, change a payee or cancel a payee

Change details of a payee - Enter payee details

You can change Name of the payee, the description or the reference

After you are happy with your changes select "Continue"

Change details of a payee - Check and confirm

You will be asked to check and confirm the details you've entered

If you notice a mistake you can select the "Previous" button to go back and amend it, otherwise you can select "Confirm"

Change details of a payee - Confirmation

You will get confirmation that your payee details have now been changed

You also have a list of quick links of things you may want to do next

Cancel Direct Debit - Manage payees

Cancelling existing Direct Debits can be found on the Manage Payee's page

To cancel a Direct Debit you have set up, find the payment and select the "Cancel this Direct Debit" button

Cancel Direct Debit

You will be given information about when your cancellation will take effect. Selecting "Yes" will cancel your Direct Debit

Amend a future payment - Upcoming payments

The Upcoming payments section shows single and regular payments that you have arranged for the future. It does not show upcoming direct debits as these vary depending on your arrangement with the payee

You can change upcoming payments by using the drop down box in the Actions column

Amend a future payment - change payment details

You can amend the amount and date then select the "Continue" button

Amend a future payment - Check and confirm

You will be asked to check the details. You can use the "Previous" button if you have made a mistake, alternatively select "Confirm"

Amend a future payment - Confirmation

You will get confirmation if your change is successful

Reinstate skipped payment

If you have opted to skip a payment details will be shown in the status column on the Upcoming payments page

If you wish to reinstate it you can select "Reinstate payment" from the drop down box next to the payment and select "Go"

Reinstate skipped payment - Confirm

You need to confirm that you want to reinstate the payment detailed and if correct select "Yes"

Reinstate skipped payment - Confirmation

You will get a confirmation message at the top of the page confirming that your payment has been reinstated

Re-invest my bond

View reinvestment options

If you have a Bond that has matured you will find details of the date of maturity on the Overview of accounts page

You can review your reinvestment options by choosing this in the drop down box next to the account and selecting the "Go" button

Reinvestment options

You will have several reinvestment options with your maturing Bond

These are: Reinvest the current balance in a new bond, Top up and reinvest in a new Bond, Withdraw some funds and reinvest the remainder in a new Bond (does not apply to maturing branch bonds) or Leave the balance in your Maturity account

Top up and Reinvest

If you choose to top up your e-bond you will be asked for details of which account you would like to transfer the additional funds from and how much you would like to add

Once you've completed these, you can select the "Continue" button

Withdraw some funds and Reinvest

If you choose to withdraw some funds before you reinvest your e-bond you will be asked for details of which account you would like to transfer the funds to and how much you would like to withdraw

Once you've completed these, you can select the "Continue" button

Leave the balance in your Maturity account

If you choose to leave the balance in your Maturity account, you will get confirmation of your choice and details of how to reinvest at a later date

Reinvest

When you opt to reinvest your matured Bond, top up or withdraw some funds you will be given a choice of Bonds available, with details of each one. Choose a new Bond by clicking on "Select" next to the account you wish to reinvest in

Selecting the "Confirm" button will take you through to the next step in the process

Reinvest - Step 2

If applicable, you will get the option to select the account for your interest to be paid to

Then select the "Continue" button

Reinvest - Step 3

You will be asked to check the details and confirm you have read and agreed to the Bond terms and conditions

You can select the "Previous" button if you want to make any changes. Selecting the "Confirm" button will action your request

Reinvest - Confirmation

You will get confirmation that your Bond has been reinvested. You can print this page for your records