Santander refused counter withdrawal

marleyboy

Imagine how happy you would be had you looked at your account to see unauthorized withdrawels, furthermore imagine hearing from the bank that someone walked in with a fake ID and took a payment over the counter without even needing a card to do it.

I would be more releived were my bank to inform me somebody walked into a branch with no card details but a driving licence in my name and demanded they give them my cash but they refused them a service due to a complete lack of bank evidence.

Mk14:37

I would be far more concerend by the fact that somebody knew my bank details and had managed to acquire a brand new photo driving license and paper counterpart, with all the security features that they now have, than by the fact that someone whose face would be clearly recorded on the bank's CCTV had withdrawn £20 over the counter.

The tide is turning. It now sounds as though you deliberately go into a bank without your cards just to exercise your perceived rights.

Nobody could forget their cards as often as you OP.

Just what are you reading, Apples? Where on earth do you get your ideas from? I think you need to get out more.

And seroiusly, do you honestly believe that nobody else has forgotten their cards three times in nineteen years?

cannyscot_2

Because I have numerous children and dogs and travel a lot for work I forget my bank card 2 x a year and always get money over the counter at santander-i did it last week i only had a cheque book from another bank and a credit card from another source. I give them my details which I know off by heart and answer about 3 security q's and they then give me £50.

In fact I think it is pretty normal -part of the service.

Pelican_eats_pigeon

marleyboy wrote: »

I would be more releived were my bank to inform me somebody walked into a branch with no card details but a driving licence in my name and demanded they give them my cash but they refused them a service due to a complete lack of bank evidence.

This is very silly, your bank card is supposed to be a device used to make transactions through cash machines and card terminals, not a means of proving who you are to your bank.

It's perfectly sensible for a bank to allow counter withdraws without a card based on photo ID, signature and knowledge of the account (balance, last transaction). Any bank that makes this into a big deal is just irritating its customers. After all, cloned cards are a lot more common than fake passports or driving licenses.

marleyboy

Mk14:37 wrote: »

And seroiusly, do you honestly believe that nobody else has forgotten their cards three times in nineteen years?

Would have to say YES, I have NEVER in 25 Years, forgotten my Bank card. I could say this is unique, but far from it, nobody in my family has done so either, my OH can safely say she has NEVER forgotten her card also.

I generally keep my cards on me at all times, but particularly if I am going into a local branch common sense kicks in to remind me to double check I have the relevant card and ID. for a specific task, when banking.

Oh keeps certain cards in her purse, others she will leave at home and only take them out with her when dealing with a specific bank task.

Its part n Parcel for me to expect a bank would wish to see my bank card and ID, unless I am reporting it lost or stolen. Only in those circumstances would I enter a bank without my card.

gilly1964

I think the bank did good - I would rather they refused me than think anyone could go in claiming to be me and withdraw whatever they felt like

drussellh

I have withdrawn money from YBS without a card using ID.

GemJar_2

crumblepie wrote: »

When my purse was stolen and I needed cash I only had my passport as ID. There were a few questions like what was the last transaction, how much was the balance, and I had to sign a piece of paper which they then checked against the signature in the passport. I think they were a little amazed I had memorized the account number and sort code, which helped prove the account was mine.

I did the same, had my passport and lisence on me answered all the questions, gave them a copy of my most recent bank statement, logged onto internet banking on my phone infront of him to answer a security question about where my card was last used (it had gone missing over a month before- santander were taking their own sweet time delivering a new one) and then he had the cheek to tell my signitures didn't match and I couldn't withdraw. Grr :mad::mad:

EdW_2

Santander have a minimum counter withdrawal of £30, hence the problem in minimum. That said, I went in on Sat, and because I'd had to cancel my card, they waived it, and let me take out £20.

Funnily enough they allowed me to do it with no ID and my old cancelled card, as they woman behind the counter knew me!

To be fair to them, their customer service is poor, but at least they have done something about it, and are trying to streamline their counter.

I sold a lot of stuff on ebay last/early this year, so was forever paying in cheques/Postal Orders at their Maidenhead branch, and it's very frustrating - their quick deposit stuff is credited about 2 days later, and everyone at the counter tends to have half a dozen books with £2 in each, no ID, and wants to transfer it all around.

I banked with Halifax before, and to be fair, if someone turned up to do that they were turned away, or told to use Telephone or online banking. At least Santander are trying to get to that position.

thethirdbar

'don't forget your card next time' isn't really useful if, say, your card is lost or stolen. the same thing happened to me a few months ago - i left my card in the bank when withdrawing some money otc. it was about 10 mins till closing time, so when i realised about 15 mins later, the bank had closed for the day. my fianc! went in the next day (barclays is only open at really unhelpful times if you work 8:30 - 5:30!) to confirm that they had it, and he requested they keep it for me until saturday (it was wednesday) so i could collect it then. they told him that their normal policy is to destroy cards after 24 hours, but in this case they would make a note and keep it until the saturday. joy!

come saturday, i spoke to a cashier, who was aware of the situation - "oh yes, i remember, i'll just go and get your card for you". waited a very puzzling 15-20 mins before he came back looking very sheepish. 'er - we did keep your card, but the manager who was in this morning didn't realise and um, destroyed it for you.'

delightful! even more so when you consider that my registered banking address is still my parents' house (i graduated last year), which means that my replacement card had to get to them before it got to me.

HOWEVER, to get to the actual point of the story - during the week or so i was waiting to get my new card, i found it quite easy to withdraw money OTC. I just needed my account no & sort code, the cashier asked me a few security questions and i withdrew amounts up to £60 with minimal fuss - aside from haivng to deal with the mega-queues that my local barclays generates. i don't even recall that they required any photo id from me!

the idea of people suggesting that a fail-safe solution to this problem is to always have your card with you is a bit mad! ideally, yes, you should always have your card with you, but sometimes circumstances prevent this, and you should certainly be able to withdraw your own money from your own bank account!