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  • FIRST POST
    • demonted
    • By demonted 7th Jul 18, 4:40 PM
    • 159Posts
    • 18Thanks
    demonted
    Is it normal for a high st bank to refuse to exchange bank notes ?
    • #1
    • 7th Jul 18, 4:40 PM
    Is it normal for a high st bank to refuse to exchange bank notes ? 7th Jul 18 at 4:40 PM
    I don't bank with Barclays Bank but I made a withdrawal from a ATM within the branch.

    My withdrawal consisted mainly of £5 & £10 notes and as I didn't want so many 5s & 10s, I asked the human bank teller to exchange them for five £20 notes.

    However, the teller asked whether I banked with Barclays and when I said I didn't, she refused to make the exchange, even though I explained the notes came from the Barclays ATM; she was even sat next to a open draw full of notes ?

    So, was the bank teller just being awkward or is there some kind of preposterous banking rule I'm unaware of; it's not as if I was attempting to make a deposit into a bank I don't bank with.
    Last edited by demonted; 07-07-2018 at 5:08 PM.
Page 2
    • JuicyJesus
    • By JuicyJesus 8th Jul 18, 5:02 PM
    • 3,278 Posts
    • 3,597 Thanks
    JuicyJesus
    I personally find the idea of "luxury seating and decor" in a bank to be hilarious, having worked in one it was a little more Argos Value than Harrods.
    urs sinserly,
    ~~joosy jeezus~~
    • Robisere
    • By Robisere 8th Jul 18, 5:15 PM
    • 2,383 Posts
    • 3,227 Thanks
    Robisere
    I actually like £5 notes, and go to a machine that will dispense 1 or 2 notes for me. I do not carry much cash nowadays, there really is no need for it except for small cash purchases on Market Days in my town. I have a contactless card for larger purchases.



    On the very rare occasions that I need a lot of cash, I either go to my branch, or to an ATM which I know will dispense £20 notes.


    I think your question has been very comprehensively covered in this thread now.
    I think this job really needs
    a much bigger hammer.
    • TheShape
    • By TheShape 8th Jul 18, 5:32 PM
    • 1,399 Posts
    • 1,270 Thanks
    TheShape
    In this country they're called "cashiers".


    No; the Barclays ATM had dispensed the money you asked for.
    Originally posted by Chino
    In this country they're called Cash Machines
    • EarthBoy
    • By EarthBoy 8th Jul 18, 10:10 PM
    • 1,947 Posts
    • 1,281 Thanks
    EarthBoy
    In this country they're called Cash Machines
    Originally posted by TheShape
    Not always they're not, it depends on the particular bank. Here in Yorkshire they're often referred to as minibanks, which is, or at least was, Yorkshire Bank's name for them.
    • TheShape
    • By TheShape 8th Jul 18, 11:16 PM
    • 1,399 Posts
    • 1,270 Thanks
    TheShape
    In this country they're called Cash Machines
    Originally posted by TheShape
    Not always they're not, it depends on the particular bank. Here in Yorkshire they're often referred to as minibanks, which is, or at least was, Yorkshire Bank's name for them.
    Originally posted by EarthBoy
    I know that Cash Machine, Mini Bank, Hole in the wall, Cash Point etc It was intended as a retort to the poster who took exception to the word 'teller' or 'human teller' but was happy to use the acronym for Automated 'Teller' Machine.
    • dunstonh
    • By dunstonh 9th Jul 18, 11:03 AM
    • 94,484 Posts
    • 62,434 Thanks
    dunstonh
    High street Banking, especially that branch, with its luxury seating and decor, is meant to be a customer focused industry,
    That says it all really. Non-customer complaining about service that he has neither paid or employed them to give.

    I personally find the idea of "luxury seating and decor" in a bank to be hilarious, having worked in one it was a little more Argos Value than Harrods.
    Back in my banking days, they ripped out the beautiful wood panelling, removed the large ornate statue of the bank logo (actually it was multiple versions of out date but still obvious). Covered up the ornate fireplace. Lowered the high ceilings. Removed all the furniture. Some of which would have had resale value in an antique shop. Proper wooden desks with leather chairs for the managers etc. Replaced with cheap furniture and cheap fittings. I pop in sometimes and it has had several more "updates" and each time seems to see less spent on the fittings and furniture. Today, it looks more like a temporary pop up shop in an empty unit waiting to be filled. Sort of sums up how the bank itself changed from the 80s to what it is today.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • shortcrust
    • By shortcrust 9th Jul 18, 11:07 AM
    • 2,102 Posts
    • 3,205 Thanks
    shortcrust
    The last time I exchanged notes at a bank - when I wanted one of the new tenners whenever that was - I was asked if I banked there and was then asked to show my card. Fine.

    I don't know. If a bank's quiet it seems a bit churlish to turn away someone who wants to exchange a small number of notes, but then I don't know how many such requests they might get in a day and what the costs involved might be. Banks these days like to do all they can to avoid serving their customers face to face so perhaps we shouldn't be surprised they don't want to deal with non-customers.
    • AstroTurtle
    • By AstroTurtle 9th Jul 18, 2:32 PM
    • 214 Posts
    • 638 Thanks
    AstroTurtle
    When I worked in a bank the cashiers till system was more complicated than I ever imagined.

    If you wanted to do any transaction it kept a running total of all the notes and denominations in the till, Whats come in and whats gone out.

    Simply chucking you 2 £20's and taking 4 £5's would require a transaction to be process so the till could balance at the end of the day. Without being a customer there is no-one to note this transaction against or if there is an error no-one to contact to rectify against an account (IF they missed 1 note to you or overpaid you) Also if your notes were fake etc etc etc.

    Long and short is with modern day till systems & regulations it's not worth them doing these transactions and as a non-customer I don't really think you have grounds to moan.


    You wouldn't kick off at Tesco for not changing the bread that Sainsburys gave you. Money is a product to banks and they treat it like one.
    • eDicky
    • By eDicky 9th Jul 18, 4:48 PM
    • 3,796 Posts
    • 1,968 Thanks
    eDicky
    In this country they're called "cashiers".
    Originally posted by Chino
    The money I paid in to my RBS account in branch today is itemised in the app as a 'Teller Transaction'.
    • Ballard
    • By Ballard 9th Jul 18, 5:18 PM
    • 2,046 Posts
    • 1,923 Thanks
    Ballard
    Simply chucking you 2 £20's and taking 4 £5's would require a transaction to be process so the till could balance at the end of the day
    Originally posted by AstroTurtle
    Sorry but Iím in a pedantic mood. This would be good business for the bank but it ainít gonna balance.
    I got a letter from the government the other day. I opened it and read it. It said they were suckers.
    • dunstonh
    • By dunstonh 9th Jul 18, 5:37 PM
    • 94,484 Posts
    • 62,434 Thanks
    dunstonh
    The money I paid in to my RBS account in branch today is itemised in the app as a 'Teller Transaction'.
    Originally posted by eDicky
    The way Americanisms are creeping into our language is not great.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • badmemory
    • By badmemory 9th Jul 18, 5:42 PM
    • 1,975 Posts
    • 2,721 Thanks
    badmemory
    You don't know how lucky you are to get several £5s & £10s. I haven't seen any in an ATM round here since they went plastic & it is a nuisance always having to get out multiples of £20 regardless of what I actually want.
    • Flobberchops
    • By Flobberchops 9th Jul 18, 11:20 PM
    • 804 Posts
    • 628 Thanks
    Flobberchops
    There are at least three reasons I can think of.

    1) You're not a customer, so you're taking a space in the queue that a customer should be in. All banks are a bit prickly about non-customers using their facilities these days as staff are usually stretched thin enough as it is. ATMs that are part of the Link network are an exception, but counter services are usually customers only.


    2) Banks like to have an audit trail for security. Sleight of hand fraud is a serious problem at cash tills - say you were to hand over the two tens and six fives, receive five twenties in return, you surreptitiously fold one into your hand as you suddenly change your mind and decide you want five tens and a fifty and hand back the bundle of £80, you then compound your crime by loudly complaining that the ignorant "teller" has short changed you to the tune of £10 and she'd better rectify it right now, no time to balance the till... see where I'm going? For this reason even customers are obliged to deposit cash before drawing it in a different denomination. No swapping allowed.


    3) You mention there was a drawer full of cash right there but in many newer branches this won't be the case - the drawer will be for coins (and occasionally damaged notes) and all the deposits and withdrawals are done with a cash counting machine with an internal cassette of notes. The only way to take cash in this circumstance would be to withdraw from an account held at the branch.

    It might seem silly and pedantic, especially if it was an empty banking hall with no queue, but staff are told the bank policies and instructed to stick to them. If they breach policy and incur a loss they'll be personally responsible. Of course exceptions can be made at the discretion of senior staff, but that's by definition for exceptional circumstances, like "small child is cashing in piggy bank" or "distraught lone female tourist needs change for the last train back to the hotel". "Bloke slightly miffed with denominations of banknotes that he chose to withdraw" doesn't qualify.
    I work for a UK bank, but any comments made on this forum are solely my personal opinion. Caveat Emptor!
    • Flobberchops
    • By Flobberchops 9th Jul 18, 11:26 PM
    • 804 Posts
    • 628 Thanks
    Flobberchops
    The way Americanisms are creeping into our language is not great.
    Originally posted by dunstonh

    No kidding, I could care less for all this Americanization. Color me unimpressed.
    I work for a UK bank, but any comments made on this forum are solely my personal opinion. Caveat Emptor!
    • Flobberchops
    • By Flobberchops 9th Jul 18, 11:30 PM
    • 804 Posts
    • 628 Thanks
    Flobberchops
    Not always they're not, it depends on the particular bank. Here in Yorkshire they're often referred to as minibanks, which is, or at least was, Yorkshire Bank's name for them.
    Originally posted by EarthBoy

    Yes, but in Yorkshire they still call women "wenches", cars "horseless wagons", and the occasional plane passing overhead is called "eh up, barricade t'mill, yon dragon is back"...
    I work for a UK bank, but any comments made on this forum are solely my personal opinion. Caveat Emptor!
    • knack92
    • By knack92 10th Jul 18, 12:09 AM
    • 450 Posts
    • 210 Thanks
    knack92
    The money I paid in to my RBS account in branch today is itemised in the app as a 'Teller Transaction'.
    Originally posted by eDicky
    It's a "counter transaction" on my printed mini statements from 2010. I see they are "cashiers" on the RBS jobs website.
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