Lidl Pay wants to log into your banking

Ahh, but Lidl assures you that they won't make use of the account access. :wink:

From the link above:

Lidl und der beauftragte Dienstleister beteuern, davon keinen Gebrauch zu machen.

I'm sure it would work differently here (Switzerland) or at least depending on your bank.
When I add a card to a 3rd party payment site, it triggers a request for me to confirm it through my smartphone bank application. That is, the third party sees nothing apart from the account code. That is also the same mechanism that is used for 2 factor authentification. That the LIDL authentication mechanism involves watching a login to the bank application is very strange especially as it can apparently give access to the customers bank balance (for 3 months!) from the registration.

Perhaps if Lidl were to indemnify you against any and every loss from your bank account for all time...

My friend is learning German, I showed him this topic, he told me:

EC-Karte is short for Euroscheckkarte, meaning debit card

I remember the time when the only use of that card was to get cash for a real check,
or to make someone accept such a thing.

But probably puts you in conflict with the terms governing your bank account which most likely forbid you from divulging access credentials to third parties.

Absolutely.

And massively, it violates my common sense.

Will they give me the key to the Lidl store, if I assure them that I do nothing wrong?

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In general, you should avoid using your debit card to pay for anything other than utilities. Instead, you should use a credit card and pay it off before the end of the billing cycle.

If you catch a fraudulent charge on a credit card, you have multiple avenues to dispute it, but if you catch a fraudulent charge on your debit card the money is gone and you have to fight much harder to get it back.

I cycle everything through credit cards and pay it off the same day. It keeps my average balance near zero so very little interest, plus I get all the points and cash back which almost always outweigh the miniscule interest that I pay.

If you pay off your credit card as soon as the bill is received why do you incur any interest at all ?

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Thats what I do, standing order pays off the 'credit' card every month. I have not paid interest on my 'credit' card since about 1990.

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The message of Lidl support is in this thread.

The app developers pointed out that there is a possibility to use the charging stations
via some quite well hidden option on the auladen.lidl.de website.
No mention of the security concerns.
(That was a reaction to my one-star rating.)

I talked to my bank and made them aware of the situation,
but besides "I would not enter my credentials" they did not provide big help.

No comment from the PlayStore regarding my tagging the app as malicious.

And I got that absolutely unnecessary spam from @dougmax01

In the USA credit card companies are allowed to charge interest based on an average daily balance, which is actually calculated every 12 hours. So I just pay from my phone app as I leave the store or when I get home.
Not all of them do though, some just charge on balance carried forward.

Hi,

Same here in Australia, all the "entity" need to know is your card number, not actual account details, that is what one of the concepts of electronic payment is about.

What does the EU have to say about it?

Tom.... :smiley: :+1: :coffee: :australia:

To be fair, Lidl had an absolutely insecure way of enlisting a card before,
which gave rise to many fraud cases.

But now they went too far.

That's nasty

Why doesn't everyone simply change to a card that does not do this ?

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You have to build enough credit to qualify for better cards by getting predatory cards first, and nobody reads the fine print.

On the filp side, this same regulation can be applied to interest bearing accounts.

The short answer, save yourself the trouble of a payment system which ties you in to being dependent upon, and surveilled by, dozens of intermediaries, and pay with good honest physical cash currency instead. Doesn't need the visa or mastercard corporations, doesn;t need multiple banks, doesn't need creepy ID docs, doesn't need internet connectivity or phone lines, doesn't need electrical power to tills, ... just works. Make every day "cash friday", if a retailer has physical premises pay them with nothing else.

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Hi,
Does Lidl offer any other method of payment?

Tom.... :smiley: :+1: :coffee: :australia:

Pretty hard if you want to charge your electric vehicle,
German charging stations don't accept cash.

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