personal banking with the post office

PHK

born_again said:

swingaloo said:

born_again said:

swingaloo said:

Exactly. And that is why they were refused! That is also why I was saying that they will only take full bags when paying in coins. Don't understand why its so difficult to comprehend

Well that is stupid...
What do they do if someone comes in wanting to pay postage, or like ours offer other services that are often under £1. Will they turn round & say no coins...

What has paying coins into a bank account got to do with paying for postage ?

Think about it...…🤦‍♀️

If they won't take coins to pay into a bank account, then ergo, they will not take coins for other transactions... There is no logical reason to refuse 3 coins being paid into a bank account.

That doesn’t follow, the two are completely different things, processed in different ways. 

You seem to be overlooking the Coinage Act 1971. 

swingaloo

PHK said:

born_again said:

swingaloo said:

born_again said:

swingaloo said:

Exactly. And that is why they were refused! That is also why I was saying that they will only take full bags when paying in coins. Don't understand why its so difficult to comprehend

Well that is stupid...
What do they do if someone comes in wanting to pay postage, or like ours offer other services that are often under £1. Will they turn round & say no coins...

What has paying coins into a bank account got to do with paying for postage ?

Think about it...…🤦‍♀️

If they won't take coins to pay into a bank account, then ergo, they will not take coins for other transactions... There is no logical reason to refuse 3 coins being paid into a bank account.

That doesn’t follow, the two are completely different things, processed in different ways. 

You seem to be overlooking the Coinage Act 1971. 

Exactly. Thank goodness someone understands.

Murphybear

swingaloo said:

ThumbRemote said:

swingaloo said:

If they refuse to accept any coins at all even if they are bagged in the correct  amounts then you need to make a complaint using the link posted above. 

But as you were not paying in full bags how do you know they wouldn't have accepted them? They were never going to accept £32.50 over the counter. But had you paid in £35 in notes or £30 in notes and a £5 bag of 10ps you would have had no problem.

It would appear that you're psychic. 

Despite the OP repeating, time and time again, that their Post Office won't take coins, you seem to know better. 

Maybe, just maybe, they could be right...

Ok, thanks for the sarcasm. It would appear that you don't seem to understand. As I said in my last post- If they will not accept full bags in the correct denomination then the OP needs to complain to their bank as well as Post Office Counters.  The Op wont say if he/she has in fact tried to pay in full bags, just that they 'dont take coins'.

Having retired from working in the Post Office 4 years ago I can tell you that they do accept bagged coins when paying into a bank account. 
Maybe, just maybe you could be wrong about me being psychic!

I worked in a Post Office in London for years, we took coins if they were correctly bagged.

if you need to get rid of a few coins I find them useful for parking. Our local PO sells gorgeous birthday and other cards, cheaper than most places, another way of spending a £ or 2.

Andy_L

Do banks have a legal/contractual obligation to accept coins?

Bearing in mind that, as has been pointed out before on these pages, legal tender doesn't mean what most people think it does

user1977

Andy_L said:

Do banks have a legal/contractual obligation to accept coins?

Assuming we're not talking about payment of a debt, I doubt they have to do more than comply with the terms of the relevant account. Which they could change from time to time. There's no overriding requirement for them to accept any sort of cash deposits.

CodeNexus

I see a lot of people commenting about bagging coins and they will accept them. I am unable to post any links but I have looked at the post office website and I see no mention of the coins needing to be bagged for a personal account only for business accounts. Personal banking Services-Cash deposit -yes with card and pin.
Nowhere have i seen that the coins need to be bagged for a personal account. if anyone can show me where it states on their website, that coins need to be bagged for a personal account I’d be most grateful!

I have as previously suggested raised a complaint via the web form anf am awaiting a response I’ll update when i heae back.
Thanks fo all the help/info

swingaloo

Post Office Banking | Ways To Bank - HSBC UK
Post office | Banking near you | Lloyds Bank
Post Office | Everyday Banking | Halifax

There are 3 for you. you nee to look at the Bank rules as well as the Post Office's own rules.

CodeNexus

https://www.co-operativebank.co.uk/help-and-support/ways-to-bank/post-office-banking/

thats my bank. no mention of bags

CodeNexus

https://www.postoffice.co.uk/everydaybanking