Great 'Work in a bank? What should we know' Hunt

outofbounds_2

ShelfStacker wrote: »

^^ this. It's a common query. I'd imagine paying in to the account would be fine, however giving out the account details themselves is a MASSIVE no-no.

You would honestly be surprised how many people try to get their wife/"wife"s balance or cash their "wife"/wife's cheques. Common sense? Nah.

I've been a lurker on these threads for years, but thought I'd join to share a bit of info, as an HBoS employee.

The issue with the DPA is a tricky one. If you go into the branch and say pay this into sort code xxx and account number xxx - then there is not a major issue.

However, with regards to giving away personal information, we cannot even acknowledge that an account exists in the first place to a 3rd party, even if this is a spouse. The reason being is that we are therefore telling a third party that Mr X banks with the halifax..

Make sense?

It's getting late, so probably not.

P.S, I'm a sales manager for an inbound/outbound Retail Contact Centre, so if you have any questions, feel free to fire them across

Extant

To chime in, the way I had it set up in my branch was that if the person could provide a full name and address of the customer, along with a rough age, then we would look the customer up and credit it to the first current account listed (to avoid giving any idea of how many accounts the customer held etc.) They'd get no receipt, just the explanation that the customer could see it straight away.

If they had a sort code and account number, we'd get them to confirm the name on the account and then post the entry, and give them the receipt (as they already had the sort code and account number, which was on the receipt).

And because my branch was classed as high risk, we had Chip & PIN (not all Barclays branches) do. I know my cash managers would usually deal with at least one person a day complaining they couldn't withdraw money from their wife/husband's account because "they knew the PIN!"

cloudstrife_2

However, with regards to giving away personal information, we cannot even acknowledge that an account exists in the first place to a 3rd party, even if this is a spouse. The reason being is that we are therefore telling a third party that Mr X banks with the halifax..

Which explains why we can't look up someones details to pay cash in if the 3rd party ain't got the account info - because its confirming the account is there!

Cloud

chambta

outofbounds wrote: »

I've been a lurker on these threads for years, but thought I'd join to share a bit of info, as an HBoS employee.

The issue with the DPA is a tricky one. If you go into the branch and say pay this into sort code xxx and account number xxx - then there is not a major issue.

However, with regards to giving away personal information, we cannot even acknowledge that an account exists in the first place to a 3rd party, even if this is a spouse. The reason being is that we are therefore telling a third party that Mr X banks with the halifax..

Make sense?

It's getting late, so probably not.

P.S, I'm a sales manager for an inbound/outbound Retail Contact Centre, so if you have any questions, feel free to fire them across

If they're in the branch wanting to pay it in then they already know of the account's existence.

rb10

cloudstrife wrote: »

Coin - we can only take in 5 bags of coin per account per day (or unlimited for Childrens or Charity accounts). This is because branches behind counter generally do not have the storage space and most prob as Halifax do not handle/store coin like other banks. Also it helps keep the Q down!!!

But if you are nice and have a friendly cashier, this rule is very flexible. Also helps if you go in at a quiet time of day.

On the other hand, the limit of £1200 in cash without advance notice is very fixed. Nothing higher than this is permitted under any circumstances.

But, if you want more than £1200 and have more than one account, an internal transfer to another account doesn't count, so simply withdraw £1200 cash from account A, transfer up to £1200 to account B, and then withdraw that from account B. There is nothing stopping you from doing this, as the limit is per account, not per customer.

If you want to exchange cash for coin, then the cashier will probably be reluctant to do it unless they have the coin in their tills. As the alternative is to get it from the float, which means two signatures, a transfer in by the cashier and a transfer out by the float holder. All quite a lot of work for just £20. So if you go to the bank at, say, 2-4pm, they will probably have a fair amount of coin in the till at that stage (everything they've taken in over the day) but won't yet have got rid of it to the safe.

rb10

chambta wrote: »

If they're in the branch wanting to pay it in then they already know of the account's existence.

Or suspect the account's existence.

A lady could suspect her husband has an account with X bank that she doesn't know about. She goes into the branch, says she wants to pay money into his account, here's his name, address, dob. If the branch credit it, then she has been told that he has an account there. The bank is not allowed to effectively tell her that her husband has an account at bank X.

outofbounds_2

chambta wrote: »

If they're in the branch wanting to pay it in then they already know of the account's existence.

And you know that how? I don't mean that to sound rude, I'm just playing Devil's Advocate. Imagine this: (as unlikely as it might sound) Mr and Mrs Smith have a joint account with Barclays, but Mrs. Smith thinks that Mr Smith secretly has an account elsewhere for his secret stash of money.... So, she pops into several banks and 'enquires' about paying money in. If the bank turns around and says, ''Ok, I'll do that." Bingo. An account is in existance.

An extreme example, I know. But true.

outofbounds_2

rb10 wrote: »

Or suspect the account's existence.

A lady could suspect her husband has an account with X bank that she doesn't know about. She goes into the branch, says she wants to pay money into his account, here's his name, address, dob. If the branch credit it, then she has been told that he has an account there. The bank is not allowed to effectively tell her that her husband has an account at bank X.

How dare you steal my thunder haha

cloudstrife_2

Ahh yes, I have taken in more than 5 bags on a few occasions - even mixed bags are frowned upon so make sure the bags are packed up correct when you take them in just in case you don't get a flexible cashier!! Good tip on the coin and times, only times when this might not work is if the coin banking has been done on the morning (in prep for business orders and shipping out that day) then the cashier might not have much or any left!

Cloud

rb10

outofbounds wrote: »

How dare you steal my thunder haha

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