Cheap Alternatives To Bankers Draft/Postal Order For People On JSA?

Marv02

Hi,

I was wondering (apart from a bank account ofc) if theres a cheap or even free alternative in useing the same system as a bankers draft or Postal order... Currently, the prices for both are rip-offs.

Please don't ask why, I have my reasons and I only want to keep this as short as possible. Basicly, useing a bank account (any) is out of the question.

zppp

Marv02 wrote: »

Hi,

I was wondering (apart from a bank account ofc) if theres a cheap or even free alternative in useing the same system as a bankers draft or Postal order... Currently, the prices for both are rip-offs.

Please don't ask why, I have my reasons and I only want to keep this as short as possible. Basicly, useing a bank account (any) is out of the question.

Postal orders tend to be cheaper than banker's drafts for smaller amounts. How much are you trying to send?

Marv02

Hi, I wanted my JSA paid to me via anything but my bank account (I'm closing it down) and was wondering what the cheapest solution was to sending/reciving money. I mean, post office wants a whopping 10% of anything you try to cash... £50 = £5... That's a lot to just have money put in through one post office and come out the next.

pmduk

could you try opening a basic bank account?

fawinds

pmduk wrote: »

could you try opening a basic bank account?

But basic bank accounts don't come with cheque books. I have read a post where somebody said a BS would issue a free cheque at branch for basic bank account holder, but I can't remember which BS.

rb10

Halifax will write bankers' drafts from savings accounts for free ... is this what you are after?

chexum

fawinds wrote: »

But basic bank accounts don't come with cheque books. I have read a post where somebody said a BS would issue a free cheque at branch for basic bank account holder, but I can't remember which BS.

Nationwide had a free "Counter draft", but it became a fee-paying service recently. Coventry BS is also similar, their accounts don't have a separate sort/account number for everyone, so they can't let you have a cheque book, but they will post you a cheque with an amount that you prefer (only by post, not in branch, as far as I recall though).

OP wants to avoind all banks though, which may include building society as well (and they are more strict anyway).

cifpower

Norwich and Peterborough's basic account comes with a cheque book. You apply for a current account and in the process tick a box asking then to open a basic account if you fail for the standard one.

CLAPTON

Im a little confused

are you asking how you pay in your JSA money?

and /or
how you withdraw your money in cash

or how you pay some-else (bills ) etc?

Marv02

CLAPTON wrote: »

Im a little confused

No, as mentioned, I'm closing down my bank account and I was wondering if there are alternatives in reciving my JSA. I completly hate banks as of today and am sick of them taking my money when they feel just becuase a company says its direct debit and for the past 2 months any money that comes in useally gets debited and I have to run around for ages trying to get it back and sick of it.

I was asking to find out of the Job Centre will pay my JSA any other way...

Thanks for all the replies btw.

Mikeyorks

Open a Post Office card account :-

http://www.postoffice.co.uk/portal/po/content1?catId=19100189&mediaId=19900206

...... it's normally used by people who want their pension / benefits in cash. Fairly certain JSA is one that can be paid in.

But it's useless for paying bills. Which you either need to do with cash - or pay via National Giro (as opposed to Bank Giro) over the PO counter :-

http://www.postoffice.co.uk/portal/po/content1?catId=94800755&mediaId=94900760