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mikew

mikew

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Can you transfer money to someone who does not do internet banking,
 
AndrewFlannigan said:
It's worth reading this page before sending any money so you know what can go wrong and how to fix it: https://www.which.co.uk/consumer-ri...money-back-that-ive-sent-to-the-wrong-account
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Thanks the main reason ime stepping my game up is my stepdaughter is doing all our shopping while we are shielded, she doesn't go in banks so did not want a CQ she said to leave it but it's £500 already, if she can be bothered to run around after us its the least we can do.
 
mikew said:
Can you transfer money to someone who does not do internet banking,
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Banks are much better than they used to be when money goes to the wrong account as the link above says, ' Although this is good news for bank customers, the new code doesn’t guarantee that you’ll always recover any money paid in error. '

If you want to be sure you could input the details for the transfer and as a check all is correct, transfer £1. If you stepdaughter gets it, then you know the details are OK and you can transfer the full amount.

Dave
 
You may need a card reader from your bank to pay above a certain limit your bank sets. I have a some accounts I have to use my Barclays or Natwest card reader for. They are free and can be ordered via online banking.
 
Thats old tech, it now has an app on your phone that generates the code based on the last 4 digits of the account and the amount being paid/transfered
 
Stick it in mine. I will tell you if it works. :)
 
AgentOrange76 said:
Thats old tech, it now has an app on your phone that generates the code based on the last 4 digits of the account and the amount being paid/transfered
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Depends on the bank and how much and if you've paid them before. Barclays and Natwest still use them. You can't always pay large sums using the app.

I tried to pay off my Natwest credit card from my Natwest current account without mine, and they wouldn't do it as it was £7000 way to go Natwest you muppets :D
 
ChrisH said:
Depends on the bank and how much and if you've paid them before. Barclays and Natwest still use them. You can't always pay large sums using the app.

I tried to pay off my Natwest credit card from my Natwest current account without mine, and they wouldn't do it as it was £7000 way to go Natwest you muppets :D
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My natwest has a 1k limit. But it will let you do 10 (maybe more) in a row. :oops: :$
 
ChrisH said:
Depends on the bank and how much and if you've paid them before. Barclays and Natwest still use them. You can't always pay large sums using the app.

I tried to pay off my Natwest credit card from my Natwest current account without mine, and they wouldn't do it as it was £7000 way to go Natwest you muppets :D
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Not sure why that happened to you, pay my Nat West Mastercard off from my current account every month.
Perhaps it only works if you use the app, generally considered to be the safest form of online banking.
 
tijuana taxi said:
Not sure why that happened to you, pay my Nat West Mastercard off from my current account every month.
Perhaps it only works if you use the app, generally considered to be the safest form of online banking.
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I think it was just the amount, I tried using online banking but that would only allow I think £1.5k. Rang NatWest and they said as much. Told them politely I would pay no further interest on the account as it was their fault. Something was done and I was able to go on line and make it in two payments.
 
Natwest held up £11k transfer from my MRS' Natwest saving account to her own Natwest current account. Didnt call her to say why and despite saying they were releasing it every day for 5 days, didnt. There reason was because they wanted to make sure that she wasnt being pressured or scammed into transfering the money. This despite her telling them it was for a car and that there was already a 1k deposit to the dealer on her account.
 
AgentOrange76 said:
Natwest held up £11k transfer from my MRS' Natwest saving account to her own Natwest current account. Didnt call her to say why and despite saying they were releasing it every day for 5 days, didnt. There reason was because they wanted to make sure that she wasnt being pressured or scammed into transfering the money. This despite her telling them it was for a car and that there was already a 1k deposit to the dealer on her account.
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Went in the bank the other day with my daughter when she made a house buying deposit, whole raft of questions to answer.
All to do with being scammed or pressured into giving money or buying goods/services.
Suppose its better to be safe than sorry, so many people have lost thousands of pounds to these evil scumbags
 
I was given a cheque the other day for the first time in ages and found that all I had to do was photograph the cheque as directed by the Barclays online banking app and the amount was transferred into my account almost immediately without me leaving my house. :)
 
Cartus said:
I was given a cheque the other day for the first time in ages and found that all I had to do was photograph the cheque as directed by the Barclays online banking app and the amount was transferred into my account almost immediately without me leaving my house. :)
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That's interesting, I've never heard heard of this.

Presumably, you're not required to deposit the cheque physically later on? Just wondering if this is a temporary measure during lock down or a standard feature of your banking app.

If you don't have to physically deposit the cheque, presumably there's some character recognition going on to make sure the cheque is actually going into the payee's account.
 
It's always been there for some banks, no idea how it works though with regards recognising the payee
 
Uncle Fester said:
That's interesting, I've never heard heard of this.

Presumably, you're not required to deposit the cheque physically later on? Just wondering if this is a temporary measure during lock down or a standard feature of your banking app.

If you don't have to physically deposit the cheque, presumably there's some character recognition going on to make sure the cheque is actually going into the payee's account.
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It is a standard feature. You just take a photo of front and back of the check. I think you may have to sign and date the rear of the cheque. You then just keep the cheque.
 
nilagin said:
My current car was alot more than that.
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The faster payment limit is £25k any more than that would have to be a Bank Transfer or CHAPS
 
admirable said:
The faster payment limit is £25k any more than that would have to be a Bank Transfer or CHAPS
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Well I had no trouble with my payment and after the initial £1k deposit and a £10.5k part exchange, I still had a couple of hundred over £25k to pay.
 
Uncle Fester said:
That's interesting, I've never heard heard of this.

Presumably, you're not required to deposit the cheque physically later on? Just wondering if this is a temporary measure during lock down or a standard feature of your banking app.

If you don't have to physically deposit the cheque, presumably there's some character recognition going on to make sure the cheque is actually going into the payee's account.
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You don’t need to pay it in at any point, the app suggests you keep it until the funds have been transferred and then destroy it etc. It obviously records the cheque number. I don’t think it’s a temporary measure either.
 
tijuana taxi said:
Went in the bank the other day with my daughter when she made a house buying deposit, whole raft of questions to answer.
All to do with being scammed or pressured into giving money or buying goods/services.
Suppose its better to be safe than sorry, so many people have lost thousands of pounds to these evil scumbags
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I get it but im from the school that you are responsible for your own actions and its my money. None of these scammers physically put a gun to your head, We invest it with them to earn interest or keep it stored somewhere other than under the mattress. Im all for checking but in the wifes case it was an internal transfer and they had no intention of calling her to query it.
 
If you are paying to a NEW account, i.e someone you have never made a payment to before, send £1.00 first, ensure they have it and then send the rest, avoids any problems with wrong accounts number etc.
 
Gremlin said:
It's always been there for some banks, no idea how it works though with regards recognising the payee
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You present the check into your account. Cheques under £250 dont get physically checked and are automatically passed even if presented to a cashier. Most card transactions under a store specific amount dont get checked either. They are automatically accecpted based on your agreement with the card checking company - often Barclays.
 
AgentOrange76 said:
You present the check into your account. Cheques under £250 dont get physically checked and are automatically passed even if presented to a cashier. Most card transactions under a store specific amount dont get checked either. They are automatically accecpted based on your agreement with the card checking company - often Barclays.
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You don't present the cheque to a cashier if you take a picture and pay in via the phone banking app !!!
 
AgentOrange76 said:
im from the school that you are responsible for your own actions
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Not everyone is and I think that it's right for the banks to err on the side of caution. Apart from anything else, the banks certainly don't want any equivalents of the money laundering regulations added to their woes.
AgentOrange76 said:
None of these scammers physically put a gun to your head,
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I'm not sure if that has actually happened in the UK although it has occurred in other countries. More common are scams which have persuaded vulnerable people to make large transfers on various pretexts. They have been widely reported in the conventional media.
 
Studio488commercial said:
If you are paying to a NEW account, i.e someone you have never made a payment to before, send £1.00 first, ensure they have it and then send the rest, avoids any problems with wrong accounts number etc.
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We did, paid a small odd amount then rang and asked how much we had sent..
 
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