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MSE Poll: When did you last use your bank branch?

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245

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  • Owain_Moneysaver
    Owain_Moneysaver Posts: 11,379 Forumite
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    aj23 wrote: »
    And that's part of the problem. You can do everything at the Post Office now. So when someone like me who wants to post a parcel, what the Post Office is for, I have to wait for people to do their banking instead.

    But the Post Offices are all closing and moving into shops, so when I want to do my banking I have to stand next to people buying their fags and alcopops.
    A kind word lasts a minute, a skelped erse is sair for a day.
  • worried_jim
    worried_jim Posts: 11,631 Forumite
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    But the Post Offices are all closing and moving into shops, so when I want to do my banking I have to stand next to people buying their fags and alcopops.

    And people buying their fags have to stand next to people doing their banking.:rotfl:
  • Wednesday2000
    Wednesday2000 Posts: 7,602 Forumite
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    It was either 2014 or 2015.
  • carolemerc
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    Not sure what to put in poll. My bank has branches but I have never been in one. Age group 50 -65.
  • aj23_2
    aj23_2 Posts: 1,155 Forumite
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    edited 4 April 2018 at 9:15AM
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    I bank (and work) with lloyds, haven't used a branch in over ten years. I also have a Monzo account (it's the future) and a Revolut account both are digital banks. Banking is going to change massively over the next 5-10 years, think iTunes HMV and Blockbuster.

    But it's not though. People are resisting the changes being made to banking. Digital only banking is not the future. It doesn't work. Look at OTP's and the problems that has bought people because they can't get decent mobile coverage and thus can't receive yet alone enter the codes.

    People are going back to using cash (more people are withdrawing cash now more than ever), cheques, not using Contactless, coming off of online banking because of security and data flaws and breaches. As with everything, new technologies wear off. Look at the droves deleting Facebook. Facebook was the future 10 years ago. Now look at it.
  • aj23_2
    aj23_2 Posts: 1,155 Forumite
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    But the Post Offices are all closing and moving into shops, so when I want to do my banking I have to stand next to people buying their fags and alcopops.

    Even if they move into shops, the Post Office counter and shop counter are separated. The two where I live are at least. Post Office is at the back and shop counter at the front.
  • Wizard_of_Id
    Wizard_of_Id Posts: 5,512 Forumite
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    aj23 wrote: »
    Even if they move into shops, the Post Office counter and shop counter are separated. The two where I live are at least. Post Office is at the back and shop counter at the front.

    The one by me has the counters side by side with usually just one person serving at both counters :(
  • Awinner2
    Awinner2 Posts: 5 Forumite
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    I voted within 5 years (65yr age).
    However as my bank closed their branch in my rural town 2 years ago, leaving only Lloyds or the Post Office as options, I cannot use their branch anymore.
    Online banking via my phone suits me as all my pensions and other income goes straight into my account.
  • dollypeeps
    dollypeeps Posts: 239 Forumite
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    I use both.

    I like the convenience of being able to check my account online and making payments electronically if I need to.

    I also like to have cash in my purse, be it for grocery shopping, a coffe with a friend or fuel for the car.

    I also like to raise cash weekly to save/pay some bills. A rather old fashioned way but it works for me. As an aside I do have various account set up for things like car, holidays, Christmas etc but the bank caps the number that I can have.

    I know I can put it all on one account but it means then I need a spreadsheet to tally the totals.

    I agree with another poster who said that 'the big boys upstairs' are happier with less branches as their costs are less and then their own benefits will be larger.
    Grocery spends £193.44/ £70 per week or £303 per month
  • aj23_2
    aj23_2 Posts: 1,155 Forumite
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    dollypeeps wrote: »
    I use both.

    I like the convenience of being able to check my account online and making payments electronically if I need to.

    I also like to have cash in my purse, be it for grocery shopping, a coffe with a friend or fuel for the car.

    I also like to raise cash weekly to save/pay some bills. A rather old fashioned way but it works for me. As an aside I do have various account set up for things like car, holidays, Christmas etc but the bank caps the number that I can have.

    I know I can put it all on one account but it means then I need a spreadsheet to tally the totals.

    I agree with another poster who said that 'the big boys upstairs' are happier with less branches as their costs are less and then their own benefits will be larger.

    There's nothing old fashioned about raising cash at all. It's sensible and shows you are in charge of your finances.
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