To call RBS branch for bank transfer?

innovate

Dr_Cuckoo3 wrote: »

Any card reader will suffice

The Commander will probably have an RBS one (but Barclays and COOP would also work)

Yep, v good point - - - there are probably more card readers in Afghanistan than working helicopters! They are all interchangeable and not personal, so problem solved!

mummy_jonno

morning everyone forgot to update yesterday. the card reader was the issue (damn you guys are good). He borrowed a friend barclays one and that worked. money has left his account but hasn't hit mine.

Guess I'll have a few days of waiting now as standard back transfers are 2-3 days?

He says thanks for the help :T

innovate

Standard transfers are Faster Payment with all banks these days. Money often arrives instantly in the target account, but latest by end of the next business day.

mummy_jonno

See this is what the RBS have told me (called to query it when it wasn't in my hsbc this morning)

They said if it was a new payee set up by computer it would be 2 hours ie yesterday

if it was a new payee via phone it would be 15:30 today.

It was done online so quite why it's not here I don't know

Think I'll just pop and find a brick wall the bang my head against

innovate

This is from the RBS website: (http://www.rbs.co.uk/personal/ms/faster-payments.ashx)

It is important to note that most Faster Payments will reach the receiving bank in near real-time*, but in some cases e.g. credit card payments, the funds may take more time to reach the individual account.

* Near real-time – The payment will be received by the payee, almost immediately after leaving your account, but sometimes up to two hours later, providing the payment amount is within the Faster Payments set limits.

The £2K you are meant to be sent is well within the RBS daily limit (£10K) for faster payments, assuming there were no other payments exceeding £8K on the same day.

So this sort of tallies with what you have been told by RBS.

If the money is not in your account by now, this would be for one of the following reasons:

1. the money was sent to a different sort code/account number
2. the money has not been sent
3. the money sits in a holding account at your bank (could happen for a variety of reasons, mainly if non-existent account number was used)
4. your bank has not updated your account since yesterday (unlikely)

agrinnall

Or as I said in the original thread

5. It's been held up for a manual check by either RBS or HSBC, possibly because it's the first transfer between these accounts.

mummy_jonno

Hiya guys thank you everyone for your help!

I finally got it about an hour ago - he had to call them for the zillianth time in 2 days. Turns out they'd been trying to call him (even though they know where he is and he is unobtainable by phone) for some kind of fraud check.

All done and dusted! :beer:

innovate

Glad you got your cash at last. Spend it wisely ;-)

coldhandoff

innovate wrote: »

Surely the banks have procedures in place that allow soldiers on active service to use their accounts without a fr**gin card reader? I am not suggesting the banks should relax security procedures, but I can easily imagine that one of those retro-calculator-thingies is just about the last thing on the mind of someone being posted to Afghanistan, and therefore banks need to be able to act on soldier's instructions some other way.

There must be some help they can get from their Commanders if they are in trouble.

If all else fails, I would ask Philip Hammond for help.

Why would there be different treatment just because the customer is in the army?

innovate

coldhandoff wrote: »

Why would there be different treatment just because the customer is in the army?

I wasn't advocating special treatment because someone is in the army - - but I do think those posted into war zones may have needs that others don't, and that those needs need to be catered for by the likes of the banks.

Some of these folks have been posted to pretty inaccessible parts of the word, but they might still have families to support in the UK.

There are all sorts of problems involved - they do not receive mail at their UK address, they can't necessarily be contacted on a mobile, they may not be able to make a call to their bank, the bank may not take calls from Afghanistan, or from people who claim to call from Afghanistan etc etc etc.

Tricky job for the banks to distinguish between the common fraudster in some UK backstreet alley, and the guy who has just got back into camp from a stand-off with the Taliban. But the banks must cater for the genuine guys, and if they don't, someone like Phillip Hammond (or whoever has the job today) must ensure they do.