I only use my laptop and As I also have problems with Thai Post lazy workers to idle to drive an extra 175mt to my house, my card reader had stopped working and I had ordered a new one twice, that never arrived, after contacting Nationwide, I was told they are auto generated and not sent via registered mail even, so I changed my Thai address ( after having to borrow a card reader to log in) to a family member, who then sent me the new reader, recorded delivery to an address here, of a friend that always receives mail. FINFO New cards are sent one month before expiry. and for those whom may not know any UK bank card reader will work. Apps not for me I always get locked out and get scam calls.