Fineco Bank multicurrencies account

OceanSound

wmb194 said:

[Deleted User] said:

Here’s an interesting question. How do Fineco handle UK bank holidays?

I sent a payment late on Friday in GBP for a holiday which hasn’t arrived yet - I kind of expected this as I’d heard you have no progress on weekends with payments in. In terms of this Monday - I believe their customer service will be back open as it’s not a public holiday in Italy - but will the inbound payment still be held up until Tuesday (perhaps due to a partnership with a UK bank - although most UK banks process FP all the time?)

Thanks for anyone replying to my musings by the way!

The 1st of May is a public holiday in Italy. I'd expect it to be held up but who now knows how banks deal with non-working days? I had a First Direct (part of HSBC) regular saver mature today (Sunday) and I've already transferred the money away. Even not very many years ago this would have been unheard of  and particularly with HSBC.

https://www.officeholidays.com/countries/italy/2023

https://publicholidays.it/2023-dates/

You've tranferred the money today (Sunday), but have you received it today?

Transfer can happen any day, come rain or shine, but what's important is received date.

Maybe it's obvious from the post that when you say you 'transfered' you mean 'did a successful transfer' so the recipient (you ) have received it already.

wmb194

OceanSound said:

wmb194 said:

[Deleted User] said:

Here’s an interesting question. How do Fineco handle UK bank holidays?

I sent a payment late on Friday in GBP for a holiday which hasn’t arrived yet - I kind of expected this as I’d heard you have no progress on weekends with payments in. In terms of this Monday - I believe their customer service will be back open as it’s not a public holiday in Italy - but will the inbound payment still be held up until Tuesday (perhaps due to a partnership with a UK bank - although most UK banks process FP all the time?)

Thanks for anyone replying to my musings by the way!

The 1st of May is a public holiday in Italy. I'd expect it to be held up but who now knows how banks deal with non-working days? I had a First Direct (part of HSBC) regular saver mature today (Sunday) and I've already transferred the money away. Even not very many years ago this would have been unheard of  and particularly with HSBC.

https://www.officeholidays.com/countries/italy/2023

https://publicholidays.it/2023-dates/

You've tranferred the money today (Sunday), but have you received it today?

Transfer can happen any day, come rain or shine, but what's important is received date.

Maybe it's obvious from the post that when you say you 'transfered' you mean 'did a successful transfer' so the recipient (you ) have received it already.

Yes, everything with FD and Chase is dated today. Whether Chase pays interest on Sunday deposits is something else but Chase has allowed me to spend some of it so I'm happy. 

Historically the biggest hurdle with FD was actually being able to see the money from a matured regular saver... I'm happy to report that FD has improved greatly over previous years.

flaneurs_lobster

[Deleted User] said:

Ah yes thanks for the heads up around the public holiday. I forget what they’re all in aid of tbh 😂

Solidarity and Happy Labour Day for tomorrow Comrade. 

[Deleted User]

Fineco replied and resoundingly said the outbound payment is coming from Italy and as such it's Swift.

My options for receiving GBP fee free are Revolut (won't work as sort code etc only accepts local payments), Triodos, RBS and Coop which I believe all would charge a fee.

Is the exhaustive list Starling, Nationwide & Santander?

This would be to withdraw any residual travel or investment money. Other options is to send Euros to Revolut…

wmb194

https://forums.moneysavingexpert.com/discussion/comment/80027573#Comment_80027573

I've not tried every account I have but that definitely isn't an exhaustive list as - if you look upthread - I've been transferring money to Barclays and, same as Nationwide, it's noted as a sterling Chaps deposit. I think you're worrying too much.

[Deleted User]

https://forums.moneysavingexpert.com/discussion/comment/80027603#Comment_80027603

Fineco were unable to state they use CHAPS in their response, I asked them quite clearly. Surely it's not that difficult for them? I know you said Swift and CHAPS can be interlinked - but they could not clarify.

"we inform you that bank trasfers to a UK account can only be made
via Swift since Fineco is an italian bank."

wmb194

https://forums.moneysavingexpert.com/discussion/comment/80027655#Comment_80027655

You always have to take what CS tells you with a pinch of salt as they're probably just reading what's on the screen. My recent experience is that a GBP "bank transfer" arrives as a GBP Chaps deposit.

I've just discovered the section of the iPad app that shows you your past transfers and they're all described as, "Swift (International)."

[Deleted User]

https://forums.moneysavingexpert.com/discussion/comment/80027689#Comment_80027689

yes that's what I saw - can't deny it is all rather confusing but par for the course I suppose

perhaps I'll try it out soon

wmb194

[Deleted User] said:

https:\/\/forums.moneysavingexpert.com\/discussion\/comment\/80027655#Comment_80027655<\/a><\/p>

You always have to take what CS tells you with a pinch of salt as they're probably just reading what's on the screen. My recent experience is that a GBP \"bank transfer\" arrives as a GBP Chaps deposit.<\/p>

I've just discovered the section of the iPad app that shows you your past transfers and they're all described as, \"Swift (International).\"<\/p>

<\/p>","bodyRaw":"[{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"url\",\"url\":\"https:\/\/forums.moneysavingexpert.com\/discussion\/comment\/80027655#Comment_80027655\",\"embedData\":{\"recordID\":80027655,\"recordType\":\"comment\",\"body\":\"

https:\/\/forums.moneysavingexpert.com\/discussion\/comment\/80027603#Comment_80027603<\/a><\/p>

Fineco were unable to state they use CHAPS in their response, I asked them quite clearly. Surely it's not that difficult for them? I know you said Swift and CHAPS can be interlinked - but they could not clarify.<\/p>

\\n\\\"we inform you that bank trasfers to a UK account can only be made
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https:\/\/forums.moneysavingexpert.com\/discussion\/comment\/80027573#Comment_80027573<\/a><\/p>

I've not tried every account I have but that definitely isn't an exhaustive list as - if you look upthread - I've been transferring money to Barclays and, same as Nationwide, it's noted as a sterling Chaps deposit. I think you're worrying too much.<\/p>\\\",\\\"bodyRaw\\\":\\\"[{\\\\\\\"type\\\\\\\":\\\\\\\"rich_embed_card\\\\\\\",\\\\\\\"children\\\\\\\":[{\\\\\\\"text\\\\\\\":\\\\\\\"\\\\\\\"}],\\\\\\\"dataSourceType\\\\\\\":\\\\\\\"url\\\\\\\",\\\\\\\"url\\\\\\\":\\\\\\\"https:\/\/forums.moneysavingexpert.com\/discussion\/comment\/80027573#Comment_80027573\\\\\\\",\\\\\\\"embedData\\\\\\\":{\\\\\\\"recordID\\\\\\\":80027573,\\\\\\\"recordType\\\\\\\":\\\\\\\"comment\\\\\\\",\\\\\\\"body\\\\\\\":\\\\\\\"

Fineco replied and resoundingly said the outbound payment is coming from Italy and as such it's Swift.<\/p>

\\\\\\\\nMy options for receiving GBP fee free are Revolut (won't work as sort code etc only accepts local payments), Triodos, RBS and Coop which I believe all would charge a fee.<\/p>

Is the exhaustive list Starling, Nationwide &amp; Santander?<\/p>

\\\\\\\\nThis would be to withdraw any residual travel or investment money. Other options is to send Euros to Revolut…<\/p>\\\\\\\",\\\\\\\"bodyRaw\\\\\\\":\\\\\\\"[{\\\\\\\\\\\\\\\"type\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"p\\\\\\\\\\\\\\\",\\\\\\\\\\\\\\\"children\\\\\\\\\\\\\\\":[{\\\\\\\\\\\\\\\"text\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"Fineco replied and resoundingly said the outbound payment is coming from Italy and as such it's Swift.\\\\\\\\\\\\\\\"}]},{\\\\\\\\\\\\\\\"type\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"p\\\\\\\\\\\\\\\",\\\\\\\\\\\\\\\"children\\\\\\\\\\\\\\\":[{\\\\\\\\\\\\\\\"text\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"\\\\\\\\\\\\\\\\nMy options for receiving GBP fee free are Revolut (won't work as sort code etc only accepts local payments), Triodos, RBS and Coop which I believe all would charge a fee.\\\\\\\\\\\\\\\"}]},{\\\\\\\\\\\\\\\"type\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"p\\\\\\\\\\\\\\\",\\\\\\\\\\\\\\\"children\\\\\\\\\\\\\\\":[{\\\\\\\\\\\\\\\"text\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"Is the exhaustive list Starling, Nationwide & Santander?\\\\\\\\\\\\\\\"}]},{\\\\\\\\\\\\\\\"type\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"p\\\\\\\\\\\\\\\",\\\\\\\\\\\\\\\"children\\\\\\\\\\\\\\\":[{\\\\\\\\\\\\\\\"text\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"\\\\\\\\\\\\\\\\nThis would be to withdraw any residual travel or investment money. 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Surely it's not that difficult for them? 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https://forums.moneysavingexpert.com/discussion/comment/80027689#Comment_80027689

yes that's what I saw - can't deny it is all rather confusing but par for the course I suppose

perhaps I'll try it out soon

I made a GBP transfer to my Lloyds account and it's arrived labelled as a Chaps deposit and, as you'd expect, no fees have been charged

[Deleted User]

wmb194 said:

[Deleted User] said:

https:\/\/forums.moneysavingexpert.com\/discussion\/comment\/80027655#Comment_80027655<\/a><\/p>

You always have to take what CS tells you with a pinch of salt as they're probably just reading what's on the screen. My recent experience is that a GBP \"bank transfer\" arrives as a GBP Chaps deposit.<\/p>

I've just discovered the section of the iPad app that shows you your past transfers and they're all described as, \"Swift (International).\"<\/p>

<\/p>","bodyRaw":"[{\"type\":\"rich_embed_card\",\"children\":[{\"text\":\"\"}],\"dataSourceType\":\"url\",\"url\":\"https:\/\/forums.moneysavingexpert.com\/discussion\/comment\/80027655#Comment_80027655\",\"embedData\":{\"recordID\":80027655,\"recordType\":\"comment\",\"body\":\"

https:\/\/forums.moneysavingexpert.com\/discussion\/comment\/80027603#Comment_80027603<\/a><\/p>

Fineco were unable to state they use CHAPS in their response, I asked them quite clearly. Surely it's not that difficult for them? I know you said Swift and CHAPS can be interlinked - but they could not clarify.<\/p>

\\n\\\"we inform you that bank trasfers to a UK account can only be made
\\nvia Swift since Fineco is an italian bank.\\\"<\/p>\",\"bodyRaw\":\"[{\\\"type\\\":\\\"rich_embed_card\\\",\\\"children\\\":[{\\\"text\\\":\\\"\\\"}],\\\"dataSourceType\\\":\\\"url\\\",\\\"url\\\":\\\"https:\/\/forums.moneysavingexpert.com\/discussion\/comment\/80027603#Comment_80027603\\\",\\\"embedData\\\":{\\\"recordID\\\":80027603,\\\"recordType\\\":\\\"comment\\\",\\\"body\\\":\\\"

https:\/\/forums.moneysavingexpert.com\/discussion\/comment\/80027573#Comment_80027573<\/a><\/p>

I've not tried every account I have but that definitely isn't an exhaustive list as - if you look upthread - I've been transferring money to Barclays and, same as Nationwide, it's noted as a sterling Chaps deposit. I think you're worrying too much.<\/p>\\\",\\\"bodyRaw\\\":\\\"[{\\\\\\\"type\\\\\\\":\\\\\\\"rich_embed_card\\\\\\\",\\\\\\\"children\\\\\\\":[{\\\\\\\"text\\\\\\\":\\\\\\\"\\\\\\\"}],\\\\\\\"dataSourceType\\\\\\\":\\\\\\\"url\\\\\\\",\\\\\\\"url\\\\\\\":\\\\\\\"https:\/\/forums.moneysavingexpert.com\/discussion\/comment\/80027573#Comment_80027573\\\\\\\",\\\\\\\"embedData\\\\\\\":{\\\\\\\"recordID\\\\\\\":80027573,\\\\\\\"recordType\\\\\\\":\\\\\\\"comment\\\\\\\",\\\\\\\"body\\\\\\\":\\\\\\\"

Fineco replied and resoundingly said the outbound payment is coming from Italy and as such it's Swift.<\/p>

\\\\\\\\nMy options for receiving GBP fee free are Revolut (won't work as sort code etc only accepts local payments), Triodos, RBS and Coop which I believe all would charge a fee.<\/p>

Is the exhaustive list Starling, Nationwide &amp; Santander?<\/p>

\\\\\\\\nThis would be to withdraw any residual travel or investment money. Other options is to send Euros to Revolut…<\/p>\\\\\\\",\\\\\\\"bodyRaw\\\\\\\":\\\\\\\"[{\\\\\\\\\\\\\\\"type\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"p\\\\\\\\\\\\\\\",\\\\\\\\\\\\\\\"children\\\\\\\\\\\\\\\":[{\\\\\\\\\\\\\\\"text\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"Fineco replied and resoundingly said the outbound payment is coming from Italy and as such it's Swift.\\\\\\\\\\\\\\\"}]},{\\\\\\\\\\\\\\\"type\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"p\\\\\\\\\\\\\\\",\\\\\\\\\\\\\\\"children\\\\\\\\\\\\\\\":[{\\\\\\\\\\\\\\\"text\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"\\\\\\\\\\\\\\\\nMy options for receiving GBP fee free are Revolut (won't work as sort code etc only accepts local payments), Triodos, RBS and Coop which I believe all would charge a fee.\\\\\\\\\\\\\\\"}]},{\\\\\\\\\\\\\\\"type\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"p\\\\\\\\\\\\\\\",\\\\\\\\\\\\\\\"children\\\\\\\\\\\\\\\":[{\\\\\\\\\\\\\\\"text\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"Is the exhaustive list Starling, Nationwide & Santander?\\\\\\\\\\\\\\\"}]},{\\\\\\\\\\\\\\\"type\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"p\\\\\\\\\\\\\\\",\\\\\\\\\\\\\\\"children\\\\\\\\\\\\\\\":[{\\\\\\\\\\\\\\\"text\\\\\\\\\\\\\\\":\\\\\\\\\\\\\\\"\\\\\\\\\\\\\\\\nThis would be to withdraw any residual travel or investment money. 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https://forums.moneysavingexpert.com/discussion/comment/80027689#Comment_80027689

yes that's what I saw - can't deny it is all rather confusing but par for the course I suppose

perhaps I'll try it out soon

I made a GBP transfer to my Lloyds account and it's arrived labelled as a Chaps deposit and, as you'd expect, no fees have been charged

Thanks for the heads up!