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    • Madscientist
    • By Madscientist 1st Sep 17, 10:32 PM
    • 10Posts
    • 3Thanks
    Madscientist
    Santander transfer date tomorrow's date
    • #1
    • 1st Sep 17, 10:32 PM
    Santander transfer date tomorrow's date 1st Sep 17 at 10:32 PM
    Hello
    I have just transfered some money from my savings account into my santander account but date shows on my account 2nd September. How is that possible? It was 10pm when I transfered the money, today 1st of September. I will be charged overdraft fee if transfer shows tomorrow's date. My bosses made a mistake today and paid me less than what I usually get and account was overdrawn as a result I tried to call but their office is closed apparently even though their website says open until 11pm for online account enquires.
Page 1
    • molerat
    • By molerat 1st Sep 17, 11:01 PM
    • 17,339 Posts
    • 11,519 Thanks
    molerat
    • #2
    • 1st Sep 17, 11:01 PM
    • #2
    • 1st Sep 17, 11:01 PM
    You moved the money after close of business today which is why it shows as tomorrow. The cut off time is, according to their T&Cs, "no earlier than 4pm" so to be sure of not incurring charges should have been transferred before then. Luckily for you Saturday is treated as a business day otherwise the date would have been Monday 4th.
    Last edited by molerat; 01-09-2017 at 11:07 PM.
    www.helpforheroes.org.uk/donations.html
    • Madscientist
    • By Madscientist 1st Sep 17, 11:06 PM
    • 10 Posts
    • 3 Thanks
    Madscientist
    • #3
    • 1st Sep 17, 11:06 PM
    • #3
    • 1st Sep 17, 11:06 PM
    Thank you for your reply molerat. I shall check my account before 4pm from now then.
    • YorkshireBoy
    • By YorkshireBoy 1st Sep 17, 11:14 PM
    • 29,534 Posts
    • 17,349 Thanks
    YorkshireBoy
    • #4
    • 1st Sep 17, 11:14 PM
    • #4
    • 1st Sep 17, 11:14 PM
    I believe Santander's cut-off for online payments is around 20:15.
    • Madscientist
    • By Madscientist 2nd Sep 17, 9:56 AM
    • 10 Posts
    • 3 Thanks
    Madscientist
    • #5
    • 2nd Sep 17, 9:56 AM
    • #5
    • 2nd Sep 17, 9:56 AM
    Ha ha after that I have noticed I went over with my other account too when I transferred money from my saving account into joint account and from there to my own account. The date I transferred money from savings was today date but transfer from joint account into my account was yesterday date while I did it all online in matter of couple of minutes. So have been charged 2 times for over drawing
    • eskbanker
    • By eskbanker 2nd Sep 17, 11:27 AM
    • 5,814 Posts
    • 5,705 Thanks
    eskbanker
    • #6
    • 2nd Sep 17, 11:27 AM
    • #6
    • 2nd Sep 17, 11:27 AM
    My bosses made a mistake today and paid me less than what I usually get and account was overdrawn as a result
    Originally posted by Madscientist
    If you've incurred overdraft charges directly as a result of a mistake by your employer, then most reputable companies would reimburse consequential costs caused by their error, are you going to claim for this?
    • ceredigion
    • By ceredigion 2nd Sep 17, 11:40 AM
    • 2,383 Posts
    • 2,975 Thanks
    ceredigion
    • #7
    • 2nd Sep 17, 11:40 AM
    • #7
    • 2nd Sep 17, 11:40 AM
    I believe Santander's cut-off for online payments is around 20:15.
    Originally posted by YorkshireBoy
    And 1pm on a Saturday
    • Madscientist
    • By Madscientist 2nd Sep 17, 1:37 PM
    • 10 Posts
    • 3 Thanks
    Madscientist
    • #8
    • 2nd Sep 17, 1:37 PM
    • #8
    • 2nd Sep 17, 1:37 PM
    I work for NHS eskbanker and already emailed them yesterday for missing part of my salary but still not received a reply or my money yet. I shall call them on Monday.
    • Madscientist
    • By Madscientist 2nd Sep 17, 1:42 PM
    • 10 Posts
    • 3 Thanks
    Madscientist
    • #9
    • 2nd Sep 17, 1:42 PM
    • #9
    • 2nd Sep 17, 1:42 PM
    My joint account with Nat west shows for both transactions as yesterday's date now. Santander still same dates. How strange!
    • ceredigion
    • By ceredigion 2nd Sep 17, 3:38 PM
    • 2,383 Posts
    • 2,975 Thanks
    ceredigion
    My joint account with Nat west shows for both transactions as yesterday's date now. Santander still same dates. How strange!
    Originally posted by Madscientist
    It`s not strange at all. Different banks have different cut off times. With regard to an online credit , the balance will increase instantly but as you have discovered , anything into santander after 8.15pm ish is credited with the following date. I.e , they have closed business for thursday and started fridays business. Anything after 1pm on a saturday counts as monday . LLoyds is midnight. Barclays is about 7.30pm , Nat west , i dont know, i dont deal with them. Once you have worked it all out , you can work it to your advantage
    • Madscientist
    • By Madscientist 6th Sep 17, 10:21 AM
    • 10 Posts
    • 3 Thanks
    Madscientist
    Well no overdraft fee charge from Nat west as they edited all transactions after couple of days and credited my account before debited it. Santander stayed the same and charging me overdraft fee. I have been with santander for 20 years and that's why I kept it. Nat west since married. I shall say goodbye to santander!!
    • eskbanker
    • By eskbanker 6th Sep 17, 11:50 AM
    • 5,814 Posts
    • 5,705 Thanks
    eskbanker
    Well no overdraft fee charge from Nat west as they edited all transactions after couple of days and credited my account before debited it. Santander stayed the same and charging me overdraft fee. I have been with santander for 20 years and that's why I kept it. Nat west since married. I shall say goodbye to santander!!
    Originally posted by Madscientist
    You might be better advised saying to them something along the lines of "employer payroll error led to (very) temporary overdraft which I addressed immediately I became aware of it (on the same day), any chance of waiving the charge on a one-off goodwill basis, given 20 years of exemplary account conduct [blah, blah]?" - it seems a bit of an overreaction to move when they haven't actually done anything wrong but your choice!
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