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Where does the money go?

My son transfers his house keeping by Standing Order every month. It goes out of his bank on the 1st of the month but does not get into my bank for 3/4 days. In the mean time where is that money. Can anyone tell me and is it fair that this money is not in any of our accounts.

Thanks


katdan:(

Comments

  • Mikeyorks
    Mikeyorks Posts: 10,378 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Which Bank are you both with? As most SOs go via Faster Payments now .... which means the money should now get to you on the same day it leaves his account (but it is a Batch process, so runs overnight from his account)
    If you want to test the depth of the water .........don't use both feet !
  • katdan
    katdan Posts: 15 Forumite
    I'm with Co op bank he is with HSBC
  • Mikeyorks
    Mikeyorks Posts: 10,378 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Unfortunate ..... as HSBC aren't proposing to send SOs via Faster Payments (FP) until Sept 2010.

    But ..... if he goes into online banking and does it as a 'bill payment' (basically a one off payment) then it will go via FP. See this table :-

    http://www.chapsco.co.uk/faster_payments/-/page/762/
    If you want to test the depth of the water .........don't use both feet !
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