Post office Receipt Showing My Bank A/C Balance

Emily_Joy

choille wrote: »

In the real world I've used a PO before many times an have never had this happen.
Some people are gossips whatever they do - sad but true. I avoid the place as much as possible because of this but sometimes I have to go.

Some people are gossips - but it doesn't mean that whatever they say is actually true.
There is nothing to stop their imagination and "creativity".

System

What appears to be emerging is that there are several different systems in operation at different Post Offices:


Those that do an ordinary banking-type ATM produce slips that show the current balance, just like any bank or shop with a machine.
Some can do ordinary cash-back, which does not show the account balance.
Some can do what in effect is cash-back but in reality is a two-stage process, the second being an ordinary ATM-type balance enquiry with cash withdrawal, the slip showing the balance.
Some do a different kind of cash withdrawal which does not print the balance.


I have looked at the recent slips produced by our village PO and they do not show the account balance. But of course I have no idea what information is actually available to the cashier although not necessarily printed on the customer's slip.




But ultimately, if you conduct your affairs in a small village where you are likely to be known by the shop assistants, then you should assume that potentially everybody else will know all about you too. If you want to be anonymous then you need to conduct your affairs in a busy city centre or on-line.

Old_Lifer

When I visit a nearby town and have reason to go to the Crown Post Office, I quite often make a cash withdrawal by debit card at the same time.


I have dug-out a couple of recent withdrawal slips from the last couple of months. They show:


Name of bank

Last 4 digits of card number
Application ID number
Start and expiry dates of the card
Transaction ID number
The amount withdrawn


Underneath all the above, there then appears in capitals the word 'AUTHORISED'


Perhaps the above may mean something to a Forum member with a banking background.

bubblesbonbon

^^^^^
Ditto

Kentish_Dave

choille wrote: »

I didn't wish to deal with my local P.O.

Precious, precious, precious.

System

It's becoming slightly clearer.

Essentially:

1. If you withdraw cash / obtain a balance over the counter - the bank pays the local PO for the transaction.
   
2. If you you buy goods in the shop, the shop incurs a card transaction fee.
   
3. The only exception to the above are things like postage then the PO (as an organisation) absorbs the transaction fee not the shop.

Sounds like you bought something in the shop (e.g. a drink) and the counter processed the total as a cash withdrawal rather than debit card payment & cashback.

glider3560

Heng_Leng wrote: »

It's becoming slightly clearer.

Essentially:

1. If you withdraw cash / obtain a balance over the counter - the bank pays the local PO for the transaction.
   
2. If you you buy goods in the shop, the shop incurs a card transaction fee.
   
3. The only exception to the above are things like postage then the PO (as an organisation) absorbs the transaction fee not the shop.

Sounds like you bought something in the shop (e.g. a drink) and the counter processed the total as a cash withdrawal rather than debit card payment & cashback.

The Post Office don't do cashback. Also, they don't sell non-PO items through the Post Office till (except in crown Post Offices), other items have to go through the shop's own till and their own card machine.

choille

Heng_Leng wrote: »

It's becoming slightly clearer.

Essentially:

1. If you withdraw cash / obtain a balance over the counter - the bank pays the local PO for the transaction.
   
2. If you you buy goods in the shop, the shop incurs a card transaction fee.
   
3. The only exception to the above are things like postage then the PO (as an organisation) absorbs the transaction fee not the shop.

Sounds like you bought something in the shop (e.g. a drink) and the counter processed the total as a cash withdrawal rather than debit card payment & cashback.

No, I paid the postage & got cash back using my debit card at the PO counter.

airgead

This is normal when you withdraw money at a PO counter.
It is usual practice for the counter assistant not to look at the printout, but to hand it to you upside-down.
Post office staff are subject to rules of confidentially the same as someone in a bank, so you shouldn't be concerned about gossip. I wouldn't like it if I saw an assistant purposely taking a look though - they shouldn't do that. Its an issue to take up with the Post office though, not your bank. I would take it up at branch level first and escalate if necessary.
(Former sub postmistress in tiny community )

db2016

there would be two transactions as i see it, they wouldnt let you pay £3 postage say and then £50 cashback to make one "sale" of £53.


the PO would need the £3 postage to be recorded for their own core business. banking is just an add on.


no one has asked how much your worth? ha just joking, but tbf i agree with the bank worker, im sure after awhile the notes just look like paper and coins bits of metal. which tbf is handy coz they will know the feel etc of them soooo much that they will have a sense for counterfeits!



also internet banking isnt insecure at all!

human error accounts for a lot of the horror stories, people sending money to scammers themselves, i lil logic and intelligence solves this!

if your not to blame and something happens, then we have ombudsmen and schemes to help sort this out.



also you could post letters using online postage, pay online, print your own label and pop into any post box. just another way the internet helps!



theres even parcel boxes in some trial areas now. literally a post box with a bigger slot but this will save a lot of people a lot of time!