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I can use any of my bank cards in an ATM, irrespective of the bank
which owns it, but can I go to the counter and use any other banks card
to also withdraw some cash?
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On 15/08/2019 08:51, Harry Bloomfield wrote:
I can use any of my bank cards in an ATM, irrespective of the bank which
owns it, but can I go to the counter and use any other banks card to
also withdraw some cash?


I suspect not. I have found most banks will only let you take cash out
or pay in over the counter if you actually bank with them.

There may be exceptions. ISTR the Post Office is slightly more forgiving
if you can be bothered to queue for an hour or two.

Cash machines are becoming increasingly rare in our North Yorkshire
towns and villages these days - replaced with empty former banks and
crude OSB boarding over the now quite literally hole in the wall.

--
Regards,
Martin Brown
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"Martin Brown" wrote in message
...
On 15/08/2019 08:51, Harry Bloomfield wrote:
I can use any of my bank cards in an ATM, irrespective of the bank which
owns it, but can I go to the counter and use any other banks card to also
withdraw some cash?


I suspect not. I have found most banks will only let you take cash out or
pay in over the counter if you actually bank with them.

There may be exceptions. ISTR the Post Office is slightly more forgiving
if you can be bothered to queue for an hour or two.

Cash machines are becoming increasingly rare in our North Yorkshire towns
and villages these days - replaced with empty former banks and crude OSB
boarding over the now quite literally hole in the wall.


There really needs to be a policy of relaxing that rule when a branch of one
bank is the only bank in the town. I'm with Natwest and they have closed a
lot of branches over the years. When I was living near Leyburn, the nearest
one was in Richmond - not a problem if I was over that way to do the
shopping at Catterick. Then one day I went in to pay in a cheque and they
said "today's our last day". From then on, it meant a 40-mile round trip to
Northallerton if I needed to do anything in a branch where they needed to
have sight of signed documents etc which couldn't be done by phone or
internet.

Does the Post Office actually act as a "virtual branch" of all the various
banks, or do you have to create and account with them and transfer money
into it from your bank account? When I went to pay in a cheque to my NatWest
account via the advertised Post Office service, all they did was give me a
NatWest paying-in envelope which they would send to NatWest, rather than
actually crediting the money to my account. So there was no advantage in
doing it that way.

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On Thursday, 15 August 2019 09:18:00 UTC+1, NY wrote:
Does the Post Office actually act as a "virtual branch" of all the various
banks,


only up to a point:

https://www.postoffice.co.uk/everydaybanking

When I went to pay in a cheque to my NatWest
account via the advertised Post Office service, all they did was give me a
NatWest paying-in envelope which they would send to NatWest, rather than
actually crediting the money to my account. So there was no advantage in
doing it that way.


Except saving you the cost of posting the cheque yourself.

Owain

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Well I've seen it done at Lloyds but I suspect it very much depends on terms
and conditions and what type of card it is whether they charge for doing it
or not.
Brian

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Harry Bloomfield; "Esq." wrote in
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I can use any of my bank cards in an ATM, irrespective of the bank which
owns it, but can I go to the counter and use any other banks card to also
withdraw some cash?





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Yes and they first tell us blindies that come the new machines they will
have head phone sockets so we can use them then the time comes and they
remove them. It seems that all the banks now use a company called Link for
their machines and nobody knows where the accessible ones actually are any
more. A communication break down if ever there was one. I heard a
conversation inside the branch of a well known bank which hails from Spain ,
it went something like.
OK I'll be in x place all next week where is the nearest ATM.
Sorry sire we do not keep that information Download the Link amp on your
mobile and it will probably telll you. I don't have a smart phone. Oh,
everyone has one, sorry.
Brian

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"Martin Brown" wrote in message
...
On 15/08/2019 08:51, Harry Bloomfield wrote:
I can use any of my bank cards in an ATM, irrespective of the bank which
owns it, but can I go to the counter and use any other banks card to also
withdraw some cash?


I suspect not. I have found most banks will only let you take cash out or
pay in over the counter if you actually bank with them.

There may be exceptions. ISTR the Post Office is slightly more forgiving
if you can be bothered to queue for an hour or two.

Cash machines are becoming increasingly rare in our North Yorkshire towns
and villages these days - replaced with empty former banks and crude OSB
boarding over the now quite literally hole in the wall.

--
Regards,
Martin Brown



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Yes it depends and I was told they can no longer handily chip and signature
cards or give any more than 300 quid out in cash and then you have to take
whatever notes they have.
Bah humbug.
Brian

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"NY" wrote in message
...
"Martin Brown" wrote in message
...
On 15/08/2019 08:51, Harry Bloomfield wrote:
I can use any of my bank cards in an ATM, irrespective of the bank which
owns it, but can I go to the counter and use any other banks card to
also withdraw some cash?


I suspect not. I have found most banks will only let you take cash out or
pay in over the counter if you actually bank with them.

There may be exceptions. ISTR the Post Office is slightly more forgiving
if you can be bothered to queue for an hour or two.

Cash machines are becoming increasingly rare in our North Yorkshire towns
and villages these days - replaced with empty former banks and crude OSB
boarding over the now quite literally hole in the wall.


There really needs to be a policy of relaxing that rule when a branch of
one bank is the only bank in the town. I'm with Natwest and they have
closed a lot of branches over the years. When I was living near Leyburn,
the nearest one was in Richmond - not a problem if I was over that way to
do the shopping at Catterick. Then one day I went in to pay in a cheque
and they said "today's our last day". From then on, it meant a 40-mile
round trip to Northallerton if I needed to do anything in a branch where
they needed to have sight of signed documents etc which couldn't be done
by phone or internet.

Does the Post Office actually act as a "virtual branch" of all the various
banks, or do you have to create and account with them and transfer money
into it from your bank account? When I went to pay in a cheque to my
NatWest account via the advertised Post Office service, all they did was
give me a NatWest paying-in envelope which they would send to NatWest,
rather than actually crediting the money to my account. So there was no
advantage in doing it that way.



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In article ,
Harry Bloomfield wrote:
I can use any of my bank cards in an ATM, irrespective of the bank
which owns it, but can I go to the counter and use any other banks card
to also withdraw some cash?


I believe you can at a Post Office. Never tried it.

--
from KT24 in Surrey, England
"I'd rather die of exhaustion than die of boredom" Thomas Carlyle
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In article ,
Martin Brown wrote:
On 15/08/2019 08:51, Harry Bloomfield wrote:
I can use any of my bank cards in an ATM, irrespective of the bank which
owns it, but can I go to the counter and use any other banks card to
also withdraw some cash?


I suspect not. I have found most banks will only let you take cash out
or pay in over the counter if you actually bank with them.


There may be exceptions. ISTR the Post Office is slightly more forgiving
if you can be bothered to queue for an hour or two.


Cash machines are becoming increasingly rare in our North Yorkshire
towns and villages these days - replaced with empty former banks and
crude OSB boarding over the now quite literally hole in the wall.


Some people tried to get away with the cash machine at the only (remaining)
bank in our village last autumn. There's still a boarded up hole. It's
plywood though.

--
from KT24 in Surrey, England
"I'd rather die of exhaustion than die of boredom" Thomas Carlyle
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On 15/08/2019 09:36, wrote:
On Thursday, 15 August 2019 09:18:00 UTC+1, NY wrote:
Does the Post Office actually act as a "virtual branch" of all the various
banks,


only up to a point:

https://www.postoffice.co.uk/everydaybanking

When I went to pay in a cheque to my NatWest
account via the advertised Post Office service, all they did was give me a
NatWest paying-in envelope which they would send to NatWest, rather than
actually crediting the money to my account. So there was no advantage in
doing it that wa


Except saving you the cost of posting the cheque yourself.


You also get a printed receipt as evidence that you've sent it to the
bank. Although there's no indication of the actual amount it's a bit
more evidence than you get if you just pop an envelope in the post box.

And I assume, and hope, it provides the Post Office branch with a small
commission from the bank for providing the service. I also assume the
branch gets a commission from the bank when I use my bank card to obtain
cash over the counter.


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Brian Gaff has brought this to us :
Yes and they first tell us blindies that come the new machines they will have
head phone sockets so we can use them then the time comes and they remove
them. It seems that all the banks now use a company called Link for their
machines


I think I remember Link being used since I first got a card, decades
ago.

We only have one bank left in the village Halifax Bank, but three or
four ATM's. I don't really use cash much, but like to have a fiver in
my wallet, but can't get just a £5 note out of the ATM's - so I thought
I wonder if I could use a card in the Halifax. I do have an account
with the Halifax, but its a credit card and there is a surcharge on CC
withdrawals, rest are debit cards with other banks.

When I used to always carry a lot of cash with me, I was constantly
asked to you want cash back with that, when I paid by card - but I
don't seem to hear that now.
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"Harry Bloomfield"; "Esq." wrote in
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When I used to always carry a lot of cash with me, I was constantly asked
to you want cash back with that, when I paid by card - but I don't seem to
hear that now.


I've not been asked for years, but then I tend to use my credit card rather
than debit card mostly (as long as there's no surcharge or minimum spend).
But even when I have used my debit card, I don't remember being asked. Maybe
by chance I only used by debit card in self-service tills rather than those
with a person on the checkout.

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NY explained :
I've not been asked for years, but then I tend to use my credit card rather
than debit card mostly (as long as there's no surcharge or minimum spend).
But even when I have used my debit card, I don't remember being asked. Maybe
by chance I only used by debit card in self-service tills rather than those
with a person on the checkout.


I used to hear it often, mostly in supermarkets. I actually asked in a
pound type shop the other day, but they said they didn't offer it.

I think the charge by card companies once might have been a 'per
transaction one, but now they must just pay a fixed charge, because
everywhere I go they will happily accept card/ Applepay for the very
smallest of payments. I have paid as little as 10p. Last week I bought
an icecream 25p in a mini-market paying with Applepay.

Local butchers had a minimum of £5 for a card purchase, but their limit
has gone now.
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In message , NY writes

Does the Post Office actually act as a "virtual branch" of all the
various banks, or do you have to create and account with them and
transfer money into it from your bank account?


I may be a little out of date, as I retired as local postmaster 6 years
ago, but then, almost any debit card, including some foreign ones, could
be used to withdraw cash at any PO counter, without fee. Cash could
also be paid in.

Regarding cheques, yes, they go in an envelope to the bank overnight,
usually quicker than ordinary post, no cost (stamp) to the user and a
receipt as 'proof of posting' or proof that a cheque has been deposited,
although amount not shown, and the receipt just shows an envelope, not
how many cheques were inside. The system worked well, with very few
going missing, but when an envelope did go missing, it could take a
while to get sorted.

--
Graeme
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"Graeme" wrote in message
...
Regarding cheques, yes, they go in an envelope to the bank overnight,
usually quicker than ordinary post, no cost (stamp) to the user and a
receipt as 'proof of posting' or proof that a cheque has been deposited,
although amount not shown, and the receipt just shows an envelope, not how
many cheques were inside. The system worked well, with very few going
missing, but when an envelope did go missing, it could take a while to get
sorted.


Yes I think it's a case of managing expectations. I'd expected the PO to do
the same as a branch: log each cheque and batch them as a transaction that
shows up on the statement as of that instant, with the transfer of the paper
cheque being a slower process which is why you still have the problem of
cheques taking a few days to clear irrevocably and irreversibly. But the PO
just act as a forwarding service - though this may be quicker and cheaper
than simply posting the cheques and paying-in slip to your bank.

Eventually banks will all implement paying in by photographing the cheque,
to avoid having to visit a branch or the PO, or post the cheques to the
branch. But then cheques are used less and less: only for birthdays and for
paying small traders who don't want the expense of accepting credit/debit
cards. I run a small business doing PC support for local people, and I only
accept cheques or cash, so I just need to visit a branch every so often to
pay these in.



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In message , NY writes

I run a small business doing PC support for local people, and I only
accept cheques or cash, so I just need to visit a branch every so often
to pay these in.


Agreed. When I had the PO I sold stationary as a sideline, and wrote
and received quite a lot of cheques. Since retiring, I have written 2
this year, and received none. I'm still behind the times though - I
tend to use plastic cards, but my son just waves his phone.
--
Graeme
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After serious thinking charles wrote :
I believe you can at a Post Office. Never tried it.


Walking past a Post Office, so I went in to enquire - Yes they can do
that, but they do not accept contactless for cash, it has to be card
put in and use the PIN.
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wrote:
On Thursday, 15 August 2019 09:18:00 UTC+1, NY wrote:
Does the Post Office actually act as a "virtual branch" of all the various
banks,


only up to a point:

https://www.postoffice.co.uk/everydaybanking

When I went to pay in a cheque to my NatWest
account via the advertised Post Office service, all they did was give me a
NatWest paying-in envelope which they would send to NatWest, rather than
actually crediting the money to my account. So there was no advantage in
doing it that way.


Except saving you the cost of posting the cheque yourself


Though if I am there I will often draw some cash anyway.
Small village counter in the village shop operation so rarely have to
queue for too long except Christmas lead up when some old dear is usually
trying to send a parcel of socks to a nephew who is doing voluntary work
in some third world country but she can only remember what it used to
called in the days of empire.

For a small businesses and others that still accumulate it they also
offer a way of paying in cash that could save a considerable round trip to
a bank branch.
Not having done it I dont know if there is the same delay in funds
reaching the destination account.

GH







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On Thursday, 15 August 2019 09:18:00 UTC+1, NY wrote:
"Martin Brown" wrote in message
...
On 15/08/2019 08:51, Harry Bloomfield wrote:
I can use any of my bank cards in an ATM, irrespective of the bank which
owns it, but can I go to the counter and use any other banks card to also
withdraw some cash?


I suspect not. I have found most banks will only let you take cash out or
pay in over the counter if you actually bank with them.

There may be exceptions. ISTR the Post Office is slightly more forgiving
if you can be bothered to queue for an hour or two.

Cash machines are becoming increasingly rare in our North Yorkshire towns
and villages these days - replaced with empty former banks and crude OSB
boarding over the now quite literally hole in the wall.


There really needs to be a policy of relaxing that rule when a branch of one
bank is the only bank in the town. I'm with Natwest and they have closed a
lot of branches over the years. When I was living near Leyburn, the nearest
one was in Richmond - not a problem if I was over that way to do the
shopping at Catterick. Then one day I went in to pay in a cheque and they
said "today's our last day". From then on, it meant a 40-mile round trip to
Northallerton if I needed to do anything in a branch where they needed to
have sight of signed documents etc which couldn't be done by phone or
internet.

Does the Post Office actually act as a "virtual branch" of all the various
banks, or do you have to create and account with them and transfer money
into it from your bank account? When I went to pay in a cheque to my NatWest
account via the advertised Post Office service, all they did was give me a
NatWest paying-in envelope which they would send to NatWest, rather than
actually crediting the money to my account. So there was no advantage in
doing it that way.


You can pay cheques into the Post Office for most major banks.

Jonathan
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On Thursday, 15 August 2019 09:36:12 UTC+1, wrote:
On Thursday, 15 August 2019 09:18:00 UTC+1, NY wrote:
Does the Post Office actually act as a "virtual branch" of all the various
banks,


only up to a point:

https://www.postoffice.co.uk/everydaybanking

When I went to pay in a cheque to my NatWest
account via the advertised Post Office service, all they did was give me a
NatWest paying-in envelope which they would send to NatWest, rather than
actually crediting the money to my account. So there was no advantage in
doing it that way.


Except saving you the cost of posting the cheque yourself.

and having your cheque stolen in the post which has happened twice to me,

Jonathan



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On 15/08/2019 13:59, Graeme wrote:
In message , NY writes

I run a small business doing PC support for local people, and I only
accept cheques or cash, so I just need to visit a branch every so
often to pay these in.


Agreed.Â* When I had the PO I sold stationary as a sideline, and wrote
and received quite a lot of cheques.Â* Since retiring, I have written 2
this year, and received none.Â* I'm still behind the times though - I
tend to use plastic cards, but my son just waves his phone.


I thought the PO had such an appallingly badly tested computer system
about 15 years ago it lost transactions and the local PO staff were
being acused of theft, when they were blameless.
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On 15/08/2019 11:48, Harry Bloomfield wrote:
I have paid as little as 10p. Last week I bought an icecream 25p in a
mini-market paying with Applepay.


A tad extreme surely.

And does anything cost as little as 10p ?, curious.
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On 15/08/2019 08:51, Harry Bloomfield wrote:
I can use any of my bank cards in an ATM, irrespective of the bank which
owns it, but can I go to the counter and use any other banks card to
also withdraw some cash?


I doubt it.

I think you can get cash at the post office.

Some shops used to ask "Any Cash" or something similar when paying with
a debit card but I've either stopped noticing (although I tend to favour
a credit card which gives 'points') or they don't ask/do it these days.

I confess to being quite a fan of the 'tap and pay' and find I'm using
less and less cash.
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In message , at 16:23:18 on Thu, 15 Aug
2019, Andrew remarked:

I have paid as little as 10p. Last week I bought an icecream 25p in a
mini-market paying with Applepay.


A tad extreme surely.

And does anything cost as little as 10p ?, curious.


I've bought a PAYG SIM in Tesco for 1p. Even the checkout assistant was
surprised. I did wonder if someone had fumbled a price cut from £1 to
99p (which is what most of them cost).

When I got it home it didn't work (not called "Nothing Anywhere" without
reason), but I couldn't be bothered to take it back.

I spent months intermittently trying to find something to buy at Tesco
for 2p (I had a "price promise" voucher to redeem - whatever happened to
those?) Eventually found something on a clearance shelf I think.
--
Roland Perry
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In message , Andrew
writes

I thought the PO had such an appallingly badly tested computer system
about 15 years ago it lost transactions and the local PO staff were
being acused of theft, when they were blameless.


A very sore point for postmasters (even retired ones) and their staff.
Not 15 years ago, either. A major court case is ongoing. I enjoyed
running a local PO but dealing with PO Limited was an ongoing nightmare
and there was always, and I mean always, the daily worry that, at the
end of each day the books would not balance by some huge amount. I had
plenty of small discrepancies, and a few larger (hundreds rather than
thousands of pounds) but never a major disaster.
--
Graeme


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After serious thinking Andrew wrote :
A tad extreme surely.


Have you never spent 10p in cash?

And does anything cost as little as 10p ?, curious.


Yes, but I have forgotten what the item was. Long ago I had enquired in
the shop, did they prefer cash or card payment, the reply was card -
quicker and they don't have to count or take cash to the bank. I then
asked if there were a minimum amount they would accept via a card and
the answer was no, it makes no difference to them, how small the
amount.

Since when, I use contactless card, but only when I forget my Iphone -
for near every penny I spend. I'm not worth robbing, I only ever have
at most a fiver on me in cash.

My guess - gone are they days when the retailers paid for card use on a
transaction by transaction basis, so they must pay by some other method
for the service. There is only one place I can think of, which doesn't
accept card payments and that the local chippy. When we have F&C's, I
have to go to an ATM for funds first.
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Brian Reay brought next idea :
I confess to being quite a fan of the 'tap and pay' and find I'm using less
and less cash.


My switch to almost entirely cashless has been quite gradual. I began
with all of my regular bills moving to DD, credit card paid off
automatically. Then as card readers appeared I began to pay for some
shopping with card and pin, some with cash. Now almost everywhere has
contactless, what's the point of carrying any cash at all?

I have four cards on my Iphone, the same four cards in my wallet and so
rarely do I need cash, that I have to plan ahead to use it.
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On 15/08/2019 16:20, Andrew wrote:
On 15/08/2019 13:59, Graeme wrote:
In message , NY writes

I run a small business doing PC support for local people, and I only
accept cheques or cash, so I just need to visit a branch every so
often to pay these in.


Agreed.Â* When I had the PO I sold stationary as a sideline, and wrote
and received quite a lot of cheques.Â* Since retiring, I have written 2
this year, and received none.Â* I'm still behind the times though - I
tend to use plastic cards, but my son just waves his phone.


I thought the PO had such an appallingly badly tested computer system
about 15 years ago it lost transactions and the local PO staff were
being acused of theft, when they were blameless.


It is still a crock of the proverbial according to our post mistress.

About half the times I am in there the thing is only half working or
unable to perform some of its functions or just plain dead in the water.
Its a tiny post office kept going only to game the distance to post
offices metric. They only have one terminal so when its down that's it.

Our "reliable" rural internet connection doesn't help things either.

--
Regards,
Martin Brown
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On Thursday, 15 August 2019 17:20:01 UTC+1, Graeme wrote:
the daily worry that, at the
end of each day the books would not balance by some huge amount.


When I was on a shop till (not a post office) the thousand quid errors were easy to spot - someone rang up £1991.99 instead of £1.99 department £1.99 department and hadn't kept the slip, and we just had to find them on the audit roll.

Of course with a computerised system you're relying on the computer to retain an accurate audit trail, which seems to be part of the problem with the Post Office systems.

Owain

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Marland wrote:

wrote:
On Thursday, 15 August 2019 09:18:00 UTC+1, NY wrote:
Does the Post Office actually act as a "virtual branch" of all the various
banks,


only up to a point:

https://www.postoffice.co.uk/everydaybanking

When I went to pay in a cheque to my NatWest
account via the advertised Post Office service, all they did was give me a
NatWest paying-in envelope which they would send to NatWest, rather than
actually crediting the money to my account. So there was no advantage in
doing it that way.


Except saving you the cost of posting the cheque yourself


Though if I am there I will often draw some cash anyway.
Small village counter in the village shop operation so rarely have to
queue for too long except Christmas lead up when some old dear is usually
trying to send a parcel of socks to a nephew who is doing voluntary work
in some third world country but she can only remember what it used to
called in the days of empire.


I had a very circular conversation with one of our local post office
clerks unitl I realised that she was unaware that part of the island of
Ireland remained a part of the UK. Makes a big difference to the
Parcelforce charges!





For a small businesses and others that still accumulate it they also
offer a way of paying in cash that could save a considerable round trip to
a bank branch.
Not having done it I don't know if there is the same delay in funds
reaching the destination account.

GH








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On 15/08/2019 14:18, Harry Bloomfield wrote:
After serious thinking charles wrote :
I believe you can at a Post Office. Never tried it.


Walking past a Post Office, so I went in to enquire - Yes they can do
that, but they do not accept contactless for cash,



it has to be card put in and use the PIN.


That's true for cash backs in shops too.

Oh, the post office is a shop.
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On 15/08/2019 13:59, Graeme wrote:
In message , NY writes

I run a small business doing PC support for local people, and I only
accept cheques or cash, so I just need to visit a branch every so
often to pay these in.


Agreed.Â* When I had the PO I sold stationary as a sideline, and wrote
and received quite a lot of cheques.Â* Since retiring, I have written 2
this year, and received none.Â* I'm still behind the times though - I
tend to use plastic cards, but my son just waves his phone.


You will have to point out that using a smart watch is the modern way to
do payments, phones are old hat.
..

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"Harry Bloomfield"; "Esq." wrote in
message ...
After serious thinking charles wrote :
I believe you can at a Post Office. Never tried it.


Walking past a Post Office, so I went in to enquire - Yes they can do
that, but they do not accept contactless for cash, it has to be card put
in and use the PIN.


Yeah, that's the way with applepay too. The self checkouts
in one of our supermarket chains dispense cash and even
have a withdraw cash icon on the main screen, but you
can't use applepay to do that even tho applepay is fine
for paying for what you bought. You have to insert a
physical card in the machine to get cash.

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"Andrew" wrote in message
...
On 15/08/2019 11:48, Harry Bloomfield wrote:
I have paid as little as 10p. Last week I bought an icecream 25p in a
mini-market paying with Applepay.


A tad extreme surely.


Not when you pay for everything that way
and don't bother to carry any cash anymore.

And does anything cost as little as 10p ?,


Yep, some stuff still does.

curious.


Don't forget what that did to the cat.

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Default More Heavy Trolling by Senile Nym-Shifting Rodent Speed!

On Fri, 16 Aug 2019 07:39:44 +1000, jeikppkywk, better known as
cantankerous trolling senile geezer Rodent Speed, wrote:

A tad extreme surely.


Not


In auto-contradicting mode again, senile sociopath? BG

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Default More Heavy Trolling by Senile Nym-Shifting Rodent Speed!

On Fri, 16 Aug 2019 06:58:01 +1000, jeikppkywk, better known as
cantankerous trolling senile geezer Rodent Speed, wrote:


Walking past a Post Office, so I went in to enquire - Yes they can do
that, but they do not accept contactless for cash, it has to be card put
in and use the PIN.


Yeah, that's the way with applepay too.


You can ALSO shove ApplePay up yours, senile asshole!

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