Bank accounts that use passbooks to withdraw

mattquk

Hi!

Basically I get a bit card happy now and again, especially when i'm bored at home or drunk... haha.

I'm soon to be getting my student loan so I wanted to put this into an account that requires me going into branch to withdraw, I don't want another debit card! I also want my wages to be paid into this account.

I also don't want to be able to transfer out of the account online...

Does anybody have an ideas where I can find this kind of account?

Cheers!

Chrisblue1962

You could try opening a Cash Transactor account with the Yorkshire Building Society.

Although it is labelled as a savings account, you can operate Standing Orders and Direct Debits from it, manage the account online and has the option of a cashpoint card or passbook.

I have one for my monthly bills for the reason that it does not have a debit card...this means I can't spend the money in the account .

Hope this helps

alanq

Search this database by selecting "Advanced Search" and within "Account Access" selecting "Branch Access" & Account Type "Passbook".

http://www.money.co.uk/savings-accounts/instant-access-savings.htm

opinions4u

Cheltenham & Gloucester C&G Gold account.

1.9% last time I looked.

pmduk

I don't want to be too judgemental, but perhaps now is the time to learn to deal with bank cards? (or perhaps deal with your drinking.)

mulronie

Deliberately making your life more difficult confuses me.

My view is that you should ask yourself if you can't learn some self control rather than sacrifice the convenience of 21st century banking.

What happens when you have an impromptu night out on a Saturday/Sunday night and the building society is closed? Or you have to give your housemate your £12.37 share of the electric bill in notes and coins rather than a simple bank transfer? Or when you're offered a significant discount to pay something by direct debit (e.g. mobile contracts/BT bill) rather than using bank giro slips from the 1970s?

shortcrust

Give the guy a break. Some people don't have great self-control and some people do silly things with money when they're drunk. I think the OP deserves credit for recognising the difficulties he has and for wanting to take action to minimise the consequences.

jonesMUFCforever

What are the chances of OP losing the passbook when drunk LOL

mattquk

Wow,

Some great help guys, cheers!

To those that can't help themselves but post a negative response, I ask just one question, do you really have nothing better to do with your lives than to write sarcastic unhelpful comments in a forum designed to help... it really is very very sad, you must be very lonely people.

To the guy who asked about the impromptu night out etc, basically my train of thought is to save my loan and wages to pay bills and build some savings and to eat/socialise off of the tips that I earn at work, which are very generous and more than enough to eat well and enjoy a decent social life... I study and work full time so I only go out a couple of times a month but what I found in my first year is that because I have more disposable cash than the guys that don't work/work part time, I tend to buy a lot of rounds and pay ins for clubs etc, especially when i've had a few jagerbombs I just want to restrict my ability to do silly stuff like that...

Cheers again for the help!

mattquk

mulronie wrote: »

Deliberately making your life more difficult confuses me.

My view is that you should ask yourself if you can't learn some self control rather than sacrifice the convenience of 21st century banking.

What happens when you have an impromptu night out on a Saturday/Sunday night and the building society is closed? Or you have to give your housemate your £12.37 share of the electric bill in notes and coins rather than a simple bank transfer? Or when you're offered a significant discount to pay something by direct debit (e.g. mobile contracts/BT bill) rather than using bank giro slips from the 1970s?

I live on my own so no awkward bill sharing. My bills are currently all direct debit and with the accounts suggested by the helpful on here I can do that with a passbook account too. Poo you.

mattquk

pmduk wrote: »

I don't want to be too judgemental, but perhaps now is the time to learn to deal with bank cards? (or perhaps deal with your drinking.)

Unhelpful and pointless post. You knew very little about what I wanted to achieve and why yet you couldn't help but chuck your two pence in could you.

Get a grip.