Santander refused counter withdrawal

CHR15

I'm more amazed that the OP forgot the very items required to take money out, but it is the banks fault.

George_Michael

I'd be a bit worried if I could easily get cash from my account over the counters of another bank with just a driving licence as ID.

Why?
The driving licence will have your signature, but more importantly, a photograph.

A photocard driving licence is accepted as proof of age when buying alcohol, when flying on domestic flights within the UK and many other places, so why not at a bank?

I would be far more worried if I was able to take cash from my account by using a form of id that didn't have a photograph of me.

Techhead_2

George_Michael wrote: »

Why?
The driving licence will have your signature, but more importantly, a photograph.

A photocard driving licence is accepted as proof of age when buying alcohol, when flying on domestic flights within the UK and many other places, so why not at a bank?

I would be far more worried if I was able to take cash from my account by using a form of id that didn't have a photograph of me.

Because the licence proves who you are, but not which account is yours. Therefore the bank has to link the account to you. It doesn't seem unreasonable for them to have a process to do this.

George_Michael

But surely if the driving licence has your photograph, address and signature, it wouldn't be difficult for a bank assistant to check up to confirm that the details matched those held in their records.

I could understand it if it was for a lot of money, or in a different bank to the one the account was held in, but this doesn't appear to be the case here.

preable

Halifax helped me out when i lost my bank card i had a printed statement and my passport

Mk14:37

CHR15 wrote: »

I'm more amazed that the OP forgot the very items required to take money out, but it is the banks fault.

I was able to withdraw my money over the counter from my Halifax account, as I have done in the past with my Lloyds TSB and HSBC accounts. Santander have chosen to implement a difficult policy in respect of counter transactions, so yes, this is their fault that the policy is in place.

Darkpool:

why would you have to take £31 out?

I wish I knew.

Dealer Wins:

AS an ex bank employee with my wife still working for Barclays, I can tell you that cases of attempted withdrawals from accounts by fraudsters are a massive issue, and banks have to be extremely careful and cautious with all withdrawals these days.

In the OPs case without his debit card, the branch would have to make absolutely sure that it is the actual customer, and not someone using a forged driving license made up with the details obtained in an identity theft (The fraudster may well know the standard questions like mothers maiden name, DOB and even have knowledge of the recent account transactions).

I'm sure they are, but so are attempted withdrawals using stolen / fake cash cards to which a fraudster already knows the PIN. So are you saying that the banks should just keep hold of our money and not give it out at all, just in case a fraudster is trying it on? :eek:

Apples2

Mk14:37 wrote: »

I was able to withdraw my money over the counter from my Halifax account, as I have done in the past with my Lloyds TSB and HSBC accounts.

Do you EVER take your cards out with you?

Surely nobody can be so forgetful/

Mk14:37

Apples2, if I was three days old you may have a point. As it is I am thirty, and have held different bank accounts since the age of 11. If you think that forgetting your wallet more than three times in nineteen years is excessive, then clearly I'm guilty as charged.

Apples2

Mk14:37 wrote: »

As it is I am thirty,
If you think that forgetting your wallet more than three times in nineteen years is excessive, then clearly I'm guilty as charged.

I'm more than that and have forgotten my wallet from time to time.

If I forget my wallet, and I need to withdraw some money, I go back home for it.

At no time have I ever managed to forget my wallet, but just happen to have a Driving license or passport on me though.

Even if I did, it simply wouldn't enter my mind to wander into the nearest bank armed with whatever random forms of ID I do have and demand money from my account.

sunnysea83

I have been able to withdraw cash from my natwest and RBS accounts on numerous occassions without my bank card - its a very easy process.

Go to the customer service desk and explain you dont have the card on you, give them the account number if you know it and the id, they then get your details on the screen, ask you some secuirty questions, d.o.b,letters from password, recent DD or withdrawal amount etc and okay the money.