Metro Bank is the experiment over?

eskbanker

[Deleted User] said:

Was on a flight recently and all pre-paid, Revolut and Monzo cards were all persona non grata.

Surely that's just down to the relevant cards being online-only, i.e. no transaction approval without real-time authorisation (that can't be achieved in mid-air)?  In itself, it doesn't really signify banks being particularly forward- or backward-thinking, it's just a feature applied to certain products - I believe that the major players issue cards such as these with their basic accounts, for example - and many cite the visibility of all pending transactions (viable with such cards) as a positive feature....

gt94sss2

Rob5342 said:

WillPS said:

Emily_Joy said:

Bridlington1 said:

Emily_Joy said:

Rob5342 said:

sheramber said:

How many people advocating for  Metro to open on Sindays have  visited a Metro branch on a Sunday?

How many have visited any branch at all in the last ten years? It's hard to imagine why anyone would have a need to visit a branch.

By coincidence, I needed to visit a Lloyds branch today. I am still eligible to open LISA and well under 80. The reason for the visit was that I needed to close my regular saver to get interest in this tax year. It was not possible to do so online, an attempt resulted in a request to visit a branch. Several weeks ago after hopelessly fighting with HooYu for hours I eventually went to a (NatWest) branch to have my identity verified. Last year I visited several branches to arrange deposit transfers to my solicitor as a part of the house purchase (the deposit was over 250k). So I disagree that branches are not needed. It would be good to have late opening once a week and maybe Sunday opening once a month. 

I appreciate it's probably not much use to you now but on this point there is an ``indirect" way of closing a Lloyds regular saver online. You can renew it into an EA account online, once it has become an EA account you can close the account from there.

Thank you for the remainder. I had some vague recollection that it was possible to do so online from last year, and this might come useful again in the future. However, my point still stands - it is necessary to visit a branch sometimes, just as well it is necessary to be able to speak to a real person rather than to a chat bot.

Indeed 18 months ago it wasn't possible to open a joint account with Lloyds (nor BOS/Halifax for that) without a branch visit but it now is.

We tried to open a joint account with Halifax a few years ago and were astonished when they said we had to visit a branch. We couldn't be bothered with all that hassle so opened one with Santander instead and have now moved to Monzo who are far more up to date.

Monzo traditionally have a lot of restrictions on their joint accounts vs what they offer on their single accounts.

Grizebeck

[Deleted User] said:

Rob5342 said:

WillPS said:

Emily_Joy said:

Bridlington1 said:

Emily_Joy said:

Rob5342 said:

sheramber said:

How many people advocating for  Metro to open on Sindays have  visited a Metro branch on a Sunday?

How many have visited any branch at all in the last ten years? It's hard to imagine why anyone would have a need to visit a branch.

By coincidence, I needed to visit a Lloyds branch today. I am still eligible to open LISA and well under 80. The reason for the visit was that I needed to close my regular saver to get interest in this tax year. It was not possible to do so online, an attempt resulted in a request to visit a branch. Several weeks ago after hopelessly fighting with HooYu for hours I eventually went to a (NatWest) branch to have my identity verified. Last year I visited several branches to arrange deposit transfers to my solicitor as a part of the house purchase (the deposit was over 250k). So I disagree that branches are not needed. It would be good to have late opening once a week and maybe Sunday opening once a month. 

I appreciate it's probably not much use to you now but on this point there is an ``indirect" way of closing a Lloyds regular saver online. You can renew it into an EA account online, once it has become an EA account you can close the account from there.

Thank you for the remainder. I had some vague recollection that it was possible to do so online from last year, and this might come useful again in the future. However, my point still stands - it is necessary to visit a branch sometimes, just as well it is necessary to be able to speak to a real person rather than to a chat bot.

Indeed 18 months ago it wasn't possible to open a joint account with Lloyds (nor BOS/Halifax for that) without a branch visit but it now is.

We tried to open a joint account with Halifax a few years ago and were astonished when they said we had to visit a branch. We couldn't be bothered with all that hassle so opened one with Santander instead and have now moved to Monzo who are far more up to date.

I'd question that - Mickey Mouse banking more like.
Was on a flight recently and all pre-paid, Revolut and Monzo cards were all persona non grata.

Bit like solo and visa electron cards

Rob5342

[Deleted User] said:

Rob5342 said:

WillPS said:

Emily_Joy said:

Bridlington1 said:

Emily_Joy said:

Rob5342 said:

sheramber said:

How many people advocating for  Metro to open on Sindays have  visited a Metro branch on a Sunday?

How many have visited any branch at all in the last ten years? It's hard to imagine why anyone would have a need to visit a branch.

By coincidence, I needed to visit a Lloyds branch today. I am still eligible to open LISA and well under 80. The reason for the visit was that I needed to close my regular saver to get interest in this tax year. It was not possible to do so online, an attempt resulted in a request to visit a branch. Several weeks ago after hopelessly fighting with HooYu for hours I eventually went to a (NatWest) branch to have my identity verified. Last year I visited several branches to arrange deposit transfers to my solicitor as a part of the house purchase (the deposit was over 250k). So I disagree that branches are not needed. It would be good to have late opening once a week and maybe Sunday opening once a month. 

I appreciate it's probably not much use to you now but on this point there is an ``indirect" way of closing a Lloyds regular saver online. You can renew it into an EA account online, once it has become an EA account you can close the account from there.

Thank you for the remainder. I had some vague recollection that it was possible to do so online from last year, and this might come useful again in the future. However, my point still stands - it is necessary to visit a branch sometimes, just as well it is necessary to be able to speak to a real person rather than to a chat bot.

Indeed 18 months ago it wasn't possible to open a joint account with Lloyds (nor BOS/Halifax for that) without a branch visit but it now is.

We tried to open a joint account with Halifax a few years ago and were astonished when they said we had to visit a branch. We couldn't be bothered with all that hassle so opened one with Santander instead and have now moved to Monzo who are far more up to date.

I'd question that - Mickey Mouse banking more like.
Was on a flight recently and all pre-paid, Revolut and Monzo cards were all persona non grata.

They are a proper bank with a banking license, and an app that's far better than the old fashioned banks have. I haven't heard of Monzo cards being a problem on planes before, I've used mine on buses and the London underground numerous times with no problems and there are posts on the Monzo forum from people that have used them on planes. I'd never rely on a single bank for this reason though, as well as my main Monzo card I carry a debit card for an old Halifax account (zero balance but it has an overdraft facility), and a credit card too.

Rob5342

gt94sss2 said:

Rob5342 said:

WillPS said:

Emily_Joy said:

Bridlington1 said:

Emily_Joy said:

Rob5342 said:

sheramber said:

How many people advocating for  Metro to open on Sindays have  visited a Metro branch on a Sunday?

How many have visited any branch at all in the last ten years? It's hard to imagine why anyone would have a need to visit a branch.

By coincidence, I needed to visit a Lloyds branch today. I am still eligible to open LISA and well under 80. The reason for the visit was that I needed to close my regular saver to get interest in this tax year. It was not possible to do so online, an attempt resulted in a request to visit a branch. Several weeks ago after hopelessly fighting with HooYu for hours I eventually went to a (NatWest) branch to have my identity verified. Last year I visited several branches to arrange deposit transfers to my solicitor as a part of the house purchase (the deposit was over 250k). So I disagree that branches are not needed. It would be good to have late opening once a week and maybe Sunday opening once a month. 

I appreciate it's probably not much use to you now but on this point there is an ``indirect" way of closing a Lloyds regular saver online. You can renew it into an EA account online, once it has become an EA account you can close the account from there.

Thank you for the remainder. I had some vague recollection that it was possible to do so online from last year, and this might come useful again in the future. However, my point still stands - it is necessary to visit a branch sometimes, just as well it is necessary to be able to speak to a real person rather than to a chat bot.

Indeed 18 months ago it wasn't possible to open a joint account with Lloyds (nor BOS/Halifax for that) without a branch visit but it now is.

We tried to open a joint account with Halifax a few years ago and were astonished when they said we had to visit a branch. We couldn't be bothered with all that hassle so opened one with Santander instead and have now moved to Monzo who are far more up to date.

Monzo traditionally have a lot of restrictions on their joint accounts vs what they offer on their single accounts.

Their joint accounts do offer less than their single accounts, but the app still offers far more than what you get from the old fashioned banks.