Paying in cash at own branch

provista_2

Just a quick question for you all but here is the background for the question

Yesterday I went to pay a small amount of cash (£220) into the Coop bank and was refused as it was my husbands card and he wasn’t with me. I have done this many times over the years and never had a problem but according to the coop the law changed in 2015.

So on to my question. Has anybody else ever been refused to pay cash into a family members
account because they where not present ?

Flugelhorn

can imagine they won't like anyone paying cash into someone else's account 

Devongardener

Did he have to insert the card and use your husband’s PIN for the bank operator to access his account?  This could be the reason, even with his permission it’s not strictly permitted.  It’s probably due to anti money laundering rules.  Did you ask why?

flaneurs_lobster

Would you need to use the card with your husband's PIN for ID? That's a breach of the bank's terms.  

Pay the cash into your account and transfer it. 

grumbler

The last time I used an ATM in a branch to deposit cash it didn't ask me the PIN. Why does a cashier have to be different?

With a pay-in slip a card wasn't needed. Now it's needed only to get the account details instead of entering/writing them manually.

elsien

Nationwide wouldn’t let me pay money off my mortgage over the counter without proof that it was my account. I think I’d just got the account details written on a slip of paper.  Like you, I couldn’t see what the issue was because I was adding money not taking it away, but it wasn’t permitted. 
This article is a few years old but gives some background. 
Has your bank banned other people from paying cash into your account? - Which? News

It may also be because it is against the bank's terms and conditiions for your husband to give you his card and PIN number. 

la531983

Use the automated machines in a branch to pay it in if you have someone elses card, no human interaction then needed.

The Post Office probably wont be that bothered either.

p00hsticks

You provista_2 said:

So on to my question. Has anybody else ever been refused to pay cash into a family members
account because they where not present ?

I initially assumed it was a joint account, but your question suggests the account was just in your husbands name ?
In which case, although I've never personally been refused, I'm aware that it something not now permitted in person. . 
At the same time they also decreed that they can't just change money for you - you have to pay it into your account and then withdraw it in different denominations. 

WillPS

la531983 said:

Use the automated machines in a branch to pay it in if you have someone elses card, no human interaction then needed.

The Post Office probably wont be that bothered either.

In the case of the Post Office, you need to know the PIN which shouldn't be shared. Think it varies with automatic deposit machines in branch whether you're asked or not.

la531983

WillPS said:

la531983 said:

Use the automated machines in a branch to pay it in if you have someone elses card, no human interaction then needed.

The Post Office probably wont be that bothered either.

In the case of the Post Office, you need to know the PIN which shouldn't be shared. Think it varies with automatic deposit machines in branch whether you're asked or not.

Of course. But this is the real world, where partners often share PIN numbers, lets not pretend it doesnt happen. Nobody is going to come running over stopping you at the automated machines, and just a hunch but suspect Post Office staff dont really care.
Ones in the Halifax dont ask for the PIN at the automated machines, having the card is suficient.

Rob5342

la531983 said:

Use the automated machines in a branch to pay it in if you have someone elses card, no human interaction then needed.

The Post Office probably wont be that bothered either.

On the rare occasion that I've paid cash in at the post office I just put my card in the machine and entered the pin, The receipt didn't have my name on so I'm not sure they'd even know whose card it was.

In any case wouldn't paying it into your own account and transferring it in the app be more convenient than borrowing his card each time?