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Sending bank details by email?
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# 1
aliasojo
Old 28-08-2011, 9:39 AM
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Default Sending bank details by email?

Not sure if this is strictly the right board for this question so apologies in advance if it may not be.

I need to provide details of bank account number, sort code, bank name and address to someone.

It cannot be done over the phone, it needs to be in writing. Clearly I can write a letter but I'm wondering if it is safe to email these details? It would be much quicker and easier and I can get an almost instant reply confirming receipt of info compared to the days that would be involved if post was used.
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# 2
Abbafan1972
Old 28-08-2011, 9:44 AM
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I would have thought it'd be ok. Everytime you send someone a cheque, this has your bank details on.

At work, we email our customers' our bank details, so they can pay us by BACS. The bank details though are saved as a word document, so it is sent as an attachment, rather than in the main body of the email (I don't know if this would make a difference).
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# 3
pmduk
Old 28-08-2011, 10:18 AM
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I do it without a qualm, but I know that my bank asks customers not to include these details in emails to them.
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# 4
ChiefGrasscutter
Old 28-08-2011, 10:27 AM
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If you are supplying your bank sort code, acc number, address etc for someone to pay you by BACS I would be one preferring that you wrote them down and sent them by email rather than relying on the phone and verbal communication.

Then in the future when the payment goes "astray" it will be quite clear to all where the fault lies rather than everyone blaming each other about who said what/heard what - assuming you make sure that you check and send the correct info!

I agree with the other replies so far. Quite normal to supply such details to someone for making direct payments into your account and anyway they appear pre printed on every cheque anyone writes
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# 5
jalexa
Old 28-08-2011, 10:52 AM
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Quote:
Originally Posted by pmduk View Post
I do it without a qualm, but I know that my bank asks customers not to include these details in emails to them.
Indeed. But when a bank phones a customer (number witheld) it expects the customer to confirm personal details such as date of birth. Pah.

I got a call the other day:

"Hello it's the bank".
"Oh which bank would that be".
"That's how we are told to ask" (but still didn't say).
"In that case please write to my registered address. Goodbye"
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# 6
Joe_Bloggs
Old 28-08-2011, 10:55 AM
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Make sure that those who send you money use the beneficiary /payment reference field. This is often left blank or misused as the use is entirely at the discretion of the payer. Without guidance, the payer cannot provide helpful information to the payee/beneficiary .
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# 7
googler
Old 28-08-2011, 10:58 AM
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If you're worried about putting them all in one e-mail which may be intercepted, split the sort code over 3 e-mails, and divvy the account number up in the same way, and ask the recipient at the other end to piece it together.
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# 8
crazyguy
Old 28-08-2011, 11:11 AM
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Agree with Googler,

However the sort code is not important as far as fraud is concerned so I would send 2 emails with the full details of Name, bank, sort code and half the account number and then a seperate email with the last 4 digits of the account number on.
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# 9
pmduk
Old 28-08-2011, 12:04 PM
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Quote:
Originally Posted by jalexa View Post
Indeed. But when a bank phones a customer (number witheld) it expects the customer to confirm personal details such as date of birth. Pah.
RBS were very surprised when I did this one day
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# 10
aliasojo
Old 28-08-2011, 12:18 PM
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Quote:
Originally Posted by Joe_Bloggs View Post
Make sure that those who send you money use the beneficiary /payment reference field. This is often left blank or misused as the use is entirely at the discretion of the payer. Without guidance, the payer cannot provide helpful information to the payee/beneficiary .
J_B.
In this case the amount is unique (as in I will not have any other payments into the account anywhere near the region of this figure) and would be apparent where it originated from.

Quote:
Originally Posted by googler View Post
If you're worried about putting them all in one e-mail which may be intercepted, split the sort code over 3 e-mails, and divvy the account number up in the same way, and ask the recipient at the other end to piece it together.
Good idea, will do that.
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# 11
pmduk
Old 28-08-2011, 1:22 PM
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aliasojo, I'd also note that a response confirming receipt of your new details is not the same as confirmation that the details have been changed. I always ask them to provide written confirmation that they've made the necessary amendments.
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# 12
aliasojo
Old 28-08-2011, 3:04 PM
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Quote:
Originally Posted by pmduk View Post
aliasojo, I'd also note that a response confirming receipt of your new details is not the same as confirmation that the details have been changed. I always ask them to provide written confirmation that they've made the necessary amendments.
Thanks but this is to enable a one-off payment from a solicitor, it's not something that was in existance already so there's nothing to amend.
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# 13
Naf
Old 28-08-2011, 3:22 PM
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There's only three things that could be done with your account number and sort code;
1. Set up a Direct Debit and attempt to take money out. To be able to set up the DD in the first place the company must subscribe to the DD Guarantee, meaning that if they take or try to take money that you didn't agree to, you can claim it right back and have any related charges immediately refunded.
2. Attempt to set up a Standing Order. This could only be done in writing, to your bank's head office. As the payment could only go to another UK account, even if it was set up (unlikely given it would need to be signed by you and written requests are carefully checked) then it would be an extremely simple matter for your bank to investigate who it went to.
3. Pay money into your account; this is what you're wanting anyway. And I doubt you'd want to complain of someone wanted to give you more...

All in all, your account number and sort code are safe details to give out.
As above; any cheques have these details on, as does your debit card and your statements that come through the post. Any of these would be relatively easy places to get these details from, and banks are happy to continue, and have been for a long time.
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# 14
antrobus
Old 28-08-2011, 4:01 PM
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Quote:
Originally Posted by Naf View Post
...

1. Set up a Direct Debit and attempt to take money out. To be able to set up the DD in the first place the company must subscribe to the DD Guarantee, meaning that if they take or try to take money that you didn't agree to, you can claim it right back and have any related charges immediately refunded...
Somebody could take your bank details and use them to set up a direct debit with a third party that was not connected with the 'somebody'. Which is what happened to Jeremy Clarkson. He gave out his bank details on air, and somebody went and set up a DD using these details, and thus a fraction of the Clarkson millions got diverted into the coffers of some charity.

Mind you that's not exactly what I would call a major threat. There must be a limited number of things you can pay for by DD that it would be worth someone's while trying to do so using someone else's bank details, so I wouldn't lose any sleep over it.
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# 15
Naf
Old 28-08-2011, 4:28 PM
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Quote:
Originally Posted by antrobus View Post
Somebody could take your bank details and use them to set up a direct debit with a third party that was not connected with the 'somebody'. Which is what happened to Jeremy Clarkson. He gave out his bank details on air, and somebody went and set up a DD using these details, and thus a fraction of the Clarkson millions got diverted into the coffers of some charity.

Mind you that's not exactly what I would call a major threat. There must be a limited number of things you can pay for by DD that it would be worth someone's while trying to do so using someone else's bank details, so I wouldn't lose any sleep over it.

Still completely covered by the DD guarantee which allows you to do a complete and (supposed to be) immediate indemnity retrieval...
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# 16
pmduk
Old 28-08-2011, 6:02 PM
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Quote:
Originally Posted by Naf View Post
Still completely covered by the DD guarantee which allows you to do a complete and (supposed to be) immediate indemnity retrieval...
Only if you're sensible enough to check your statements regularly, I'm sure we've all read threads on here from people querying DDs that go back for years. Hopefully, the regulars on this forum would be more savvy.
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