The bank that won't let its customers withdraw less than £300 over the counter

StevieJ

jackieb wrote: »

I feel uncomfortable using a cash machine if i'm taking out quite a few notes and there's someone standing nearby. Not so bad if someone's with me. Also, I like to count my money to see if it's all there.. Something you can't do on the street.

My branch of A&L has a cash machine inside and outside the branch, well done again A&L :T

nickyhutch

Cleaver wrote: »

Woah, calm down. I'm sure if you feel uncomfortable using a simple piece of equipment, and you have a word with your branch, they will be happy to serve you over the counter too. The CEO was just using the example of the elderley and disabled as people who may have difficulties using a cash machine.

So no, the counter staff won't make you use the cash machine. They'll probably recommend you do, you'll tell them you don't want to, and they'll say fine. I imagine that's the scenario that'll play out anyway. Do you feel uncomfortable using a cash machine then?

I'm not "uncomfortable using a simple piece of equipment". I'm sometimes uncomfortable, depending on location, taking £300 out of a cash machine. I'm 4ft 10 and a bit, a slip of a thing, and therefore a bit of an easy target.

The point above, about people with limited funds not being able to take out the £2.51 that is all they have, but they need, is valid.

nickyhutch

Cleaver wrote: »

The CEO covered this is his interview too. If you need, for example, £6.35 then you can't get that from the cash machine so you'll go in and ask for it at the counter. And they'll give it to you without any problem.

Does it tell customers that one the sign saying "no cash withdrawals under £300"?

Cleaver

nickyhutch wrote: »

I'm not "uncomfortable using a simple piece of equipment". I'm sometimes uncomfortable, depending on location, taking £300 out of a cash machine. I'm 4ft 10 and a bit, a slip of a thing, and therefore a bit of an easy target.

The point above, about people with limited funds not being able to take out the £2.51 that is all they have, but they need, is valid.

Both of your points are valid. As I've said a couple of times, if you're in the minority of people who don't like using cash machines and you have a word with the branch staff I'm sure they'd be happy to serve you in there. That's what the A&L CEO said. Again though, the vast majority of people can and should just use the machine.

Just out of interest do you regulary take £300 out of a cash machine? I never really take more than £30 or £40. I just stick everything on debit card and £30 tends to last me all week for the very small things when I can't use my card.

hillcats

Cash ?
What's that then, we very rarely deal with any cash nowadays, most transactions 98% maybe are via a credit card and then the balance of each transaction is moved (daily, or as required) out of our current account into a separate savings (offset) account and then the CC bill is ALWAYS paid in FULL every month plus we get loyalty points !

You need to be very regimented and stern about money to do this though..... we certainly are, as pushing to clear our mortgage asap, by doing it this way we also keep hold of the money in our accounts which means the offsetting is working harder and for longer in our favour.....

Cleaver

nickyhutch wrote: »

Does it tell customers that one the sign saying "no cash withdrawals under £300"?

No, I doubt it does say that on the sign. Look, in 2010 the vast, vast majority of people are comfortable getting out their £30, £40, £50 or £100 out of the cash machine. Therefore A&L are taking the steps to formalise the fact that people should use the machines. There may be people who use the counter out of habit and should, in fairness of the other customers, use the machine.

As the CEO said, if you're someone who has trouble using the machine, someone who wants to withdraw £3.49 or just someone who wants to use the counter to be a trouble-causer then I'm sure you'll be fine doing so.

It's no big deal is it? Just a sensible, modern step in the right direction.

mjm3346

StevieJ wrote: »

My branch of A&L has a cash machine inside and outside the branch, well done again A&L :T

I liked the machines in branch for paying in cheques as you got a copy of the cheque on the receipt.

nickyhutch

Cleaver wrote: »

Both of your points are valid. As I've said a couple of times, if you're in the minority of people who don't like using cash machines and you have a word with the branch staff I'm sure they'd be happy to serve you in there. That's what the A&L CEO said. Again though, the vast majority of people can and should just use the machine.

Just out of interest do you regulary take £300 out of a cash machine? I never really take more than £30 or £40. I just stick everything on debit card and £30 tends to last me all week for the very small things when I can't use my card.

Not regularyly, but we're not just talking about me - I'm talking about anyone who might feel a tad vulnerable. The scally behind me, waiting to mug me for my cash, doesn't know whether I'm taking £10 or £300 out, but will still push/shove/kick/thump me to get it, and count it later.

JonnyBravo

nickyhutch wrote: »

I'm not "uncomfortable using a simple piece of equipment". I'm sometimes uncomfortable, depending on location, taking £300 out of a cash machine. I'm 4ft 10 and a bit, a slip of a thing, and therefore a bit of an easy target.

And tell me, how many times have you been mugged at a cashpoint?

Do you read the Daily Mail? Mind, you worry like the elderly already, so you'll have no problem.

nickyhutch

JonnyBravo wrote: »

And tell me, how many times have you been mugged at a cashpoint?

Do you read the Daily Mail? Mind, you worry like the elderly already, so you'll have no problem.

Never (but other people have).

No, I don't.

And no, I don't, but I can see the viewpoint of the elderly and vulnerable. You're obviously OK, and don't, so we wont agree.