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  1. #91
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    Quote Originally Posted by patch1875 View Post
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    Donít you do online? I bank with Santander business and personal all my business pay ins I can do through the atm.
    RBS are also getting rid of atm's that are attached to the sites that are closing.


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  3. #92
    @hibs.net private member snooky's Avatar
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    Quote Originally Posted by Mr Grieves View Post
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    RBS are also getting rid of atm's that are attached to the sites that are closing.
    They'd be much better getting rid of some of the heavily bonused knobs at the top.

  4. #93
    @hibs.net private member Speedy's Avatar
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    Quote Originally Posted by johnbc70 View Post
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    Yes - http://www.bbc.co.uk/news/business-42192760

    Rarely use a branch these days but the fact that in the last 3 years people using branches is down 40% and online banking is up 73% you could see what was coming.
    Cheers.

    It would be interesting to know how much of that 40% is driven by a reduction in demand and how much is due to a reduction in branches.

  5. #94
    @hibs.net private member johnbc70's Avatar
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    Quote Originally Posted by snooky View Post
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    They'd be much better getting rid of some of the heavily bonused knobs at the top.
    Who would you replace them with?

  6. #95
    @hibs.net private member snooky's Avatar
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    Quote Originally Posted by johnbc70 View Post
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    Who would you replace them with?
    Bank branches and ATMs of course

  7. #96
    @hibs.net private member johnbc70's Avatar
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    Quote Originally Posted by snooky View Post
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    Bank branches and ATMs of course
    Ha ha, fair enough!

  8. #97
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    Quote Originally Posted by snooky View Post
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    Bank branches and ATMs of course
    What would be the point in that?
    If you read this thread you'll see that hardly anyone uses branches these days.
    Hence the closures.

  9. #98
    @hibs.net private member snooky's Avatar
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    Quote Originally Posted by grunt View Post
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    What would be the point in that?
    If you read this thread you'll see that hardly anyone uses branches these days.
    Hence the closures.
    I do and the queue is generally out the door.

  10. #99
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    Quote Originally Posted by snooky View Post
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    I do and the queue is generally out the door.
    Yes I know you do, and I sympathise.
    But I'm wondering whether you need to go to the branch to transact your business.
    (I know you've said you prefer doing business with a real person, and I understand that, but could the business you do not be done online?)

  11. #100
    @hibs.net private member CropleyWasGod's Avatar
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    Quote Originally Posted by grunt View Post
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    Yes I know you do, and I sympathise.
    But I'm wondering whether you need to go to the branch to transact your business.
    (I know you've said you prefer doing business with a real person, and I understand that, but could the business you do not be done online?)
    Every time I get paid by cheque, i groan. That means i have to go to a bank and pay it in. Now, the pay in facilities are dead easy.... today I was in and out in 5 minutes (whilst the queue for tellers was 15 people long).... but it's becoming increasingly difficult to find a branch to do that sort of business, and it takes ill-afforded time.

    Either people have to be educated to pay online....perhaps by making it too expensive to pay by cheque.... or the banks have to provide pay in facilities at the ATM's.

    For me, education is the key to, as you suggest, changing people's habits.



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  12. #101
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    Quote Originally Posted by CropleyWasGod View Post
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    Every time I get paid by cheque, i groan.
    Me too. But fortunately people are being weaned off cheques. I just had a look at my cheque book. Last one I wrote was in May 2014. And that was to the bank, so probably didn't need to be a cheque.

  13. #102
    @hibs.net private member johnbc70's Avatar
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    Quote Originally Posted by CropleyWasGod View Post
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    Every time I get paid by cheque, i groan. That means i have to go to a bank and pay it in. Now, the pay in facilities are dead easy.... today I was in and out in 5 minutes (whilst the queue for tellers was 15 people long).... but it's becoming increasingly difficult to find a branch to do that sort of business, and it takes ill-afforded time.

    Either people have to be educated to pay online....perhaps by making it too expensive to pay by cheque.... or the banks have to provide pay in facilities at the ATM's.

    For me, education is the key to, as you suggest, changing people's habits.



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    You can pay in cheques up to £500 online via Barclays App. Sure other banks will be the same, maybe for higher amounts.

  14. #103
    @hibs.net private member CropleyWasGod's Avatar
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    Quote Originally Posted by johnbc70 View Post
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    You can pay in cheques up to £500 online via Barclays App. Sure other banks will be the same, maybe for higher amounts.
    AFAIK, it's only Barclay's that do it.

    The rest shouldn't be far behind, though.

  15. #104
    @hibs.net private member Mr White's Avatar
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    Quote Originally Posted by CropleyWasGod View Post
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    AFAIK, it's only Barclay's that do it.

    The rest shouldn't be far behind, though.
    Bank of Ireland let you pay them in at the ATM. Which slightly offsets the 5 working days they insist on squeezing out of them before they clear. I've stopped taking cheques without any complaints so far.

  16. #105
    @hibs.net private member CropleyWasGod's Avatar
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    Quote Originally Posted by Mr White View Post
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    Bank of Ireland let you pay them in at the ATM. Which slightly offsets the 5 working days they insist on squeezing out of them before they clear. I've stopped taking cheques without any complaints so far.
    I've found a security hole in the paying-in machines at RBS branches. Inadvertently, I found that I could pay cheques made out to someone else into my account. The machine reads the amount, but not the name.

  17. #106
    @hibs.net private member Mr White's Avatar
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    Quote Originally Posted by CropleyWasGod View Post
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    I've found a security hole in the paying-in machines at RBS branches. Inadvertently, I found that I could pay cheques made out to someone else into my account. The machine reads the amount, but not the name.
    Would that get picked up before the funds clear? I often use the ATM on my local high street for paying in cash out of business hours. Sometimes it takes a few goes before it accepts some of the notes if they're a bit crumpled. I feel a bit exposed standing there in the street with a wad of cash when that happens.

  18. #107
    @hibs.net private member Hibs Class's Avatar
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    Close branches = drive people online = get them to do their own account maintenance (set up standing orders, bill payments, etc.) = hold customers liable for mistakes they make when doing so. Bank then a) saves on back office staff and b) can deny liability for cases where customers suffer fraud. There might be an economic case for closing branches, but please don't then pretend you are the Royal Bank for Scotland. Because you most certainly are not.
    ​#PERSEVERED


  19. #108
    @hibs.net private member CropleyWasGod's Avatar
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    Quote Originally Posted by Mr White View Post
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    Would that get picked up before the funds clear? I often use the ATM on my local high street for paying in cash out of business hours. Sometimes it takes a few goes before it accepts some of the notes if they're a bit crumpled. I feel a bit exposed standing there in the street with a wad of cash when that happens.
    Apparently not.

    Having done it by mistake, I then did it on purpose a few times to test it. (the 3rd party got their money )

    It seems to me that there's no human involvement now, and that the software just reads the amount, and the payer's details. All very well in my situation, but it does suggest that cheques aren't as secure as they used to be.

  20. #109
    @hibs.net private member Mr White's Avatar
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    Quote Originally Posted by CropleyWasGod View Post
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    Apparently not.

    Having done it by mistake, I then did it on purpose a few times to test it. (the 3rd party got their money )

    It seems to me that there's no human involvement now, and that the software just reads the amount, and the payer's details. All very well in my situation, but it does suggest that cheques aren't as secure as they used to be.
    It certainly does. I'm now extra glad I've bumped them. Cheers

  21. #110
    @hibs.net private member lord bunberry's Avatar
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    Quote Originally Posted by Mr White View Post
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    Would that get picked up before the funds clear? I often use the ATM on my local high street for paying in cash out of business hours. Sometimes it takes a few goes before it accepts some of the notes if they're a bit crumpled. I feel a bit exposed standing there in the street with a wad of cash when that happens.
    I pay money into the bank at the atm after I finish work sometimes, and I agree, you do feel a bit vulnerable. Thankfully the machines are definitely becoming more reliable at taking the money first time, but Iíve been standing in the street re entering my money three or four times in the past.

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  22. #111
    @hibs.net private member Mr White's Avatar
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    Quote Originally Posted by lord bunberry View Post
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    I pay money into the bank at the atm after I finish work sometimes, and I agree, you do feel a bit vulnerable. Thankfully the machines are definitely becoming more reliable at taking the money first time, but Iíve been standing in the street re entering my money three or four times in the past.
    Aye the ones over here are probably second-hand ones from the mainland

  23. #112
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    Quote Originally Posted by Mr White View Post
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    Aye the ones over here are probably second-hand ones from the mainland
    Laundered 😁
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    an advantage, then he should be."

  24. #113
    @hibs.net private member snooky's Avatar
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    Quote Originally Posted by Hibs Class View Post
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    Close branches = drive people online = get them to do their own account maintenance (set up standing orders, bill payments, etc.) = hold customers liable for mistakes they make when doing so. Bank then a) saves on back office staff and b) can deny liability for cases where customers suffer fraud. There might be an economic case for closing branches, but please don't then pretend you are the Royal Bank for Scotland. Because you most certainly are not.
    .

  25. #114
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    I used to work for RBS and we used to have an event called techstock. One of the presenters said that the people that use branches are dying off and more people are using digital/online. Also that that the costs couldn't be justified. For you to make a transaction in a branch was just over £4 and a transaction on the app/digital was under £1. You can understand why they are doing this while at the same time being pissed off. From going from having Newbridge, broxburn or linlithgow it'll only be Newbridge now if I ever need it.

  26. #115
    @hibs.net private member lord bunberry's Avatar
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    Quote Originally Posted by Fuzzywuzzy View Post
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    I used to work for RBS and we used to have an event called techstock. One of the presenters said that the people that use branches are dying off and more people are using digital/online. Also that that the costs couldn't be justified. For you to make a transaction in a branch was just over £4 and a transaction on the app/digital was under £1. You can understand why they are doing this while at the same time being pissed off. From going from having Newbridge, broxburn or linlithgow it'll only be Newbridge now if I ever need it.
    It would help if RBS had more of the new style cash machines that allow you to pay money straight into your bank account outwith banking hours. I bank with Santander, and all their branches have those atm machines installed outside.

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  27. #116
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    Quote Originally Posted by lord bunberry View Post
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    It would help if RBS had more of the new style cash machines that allow you to pay money straight into your bank account outwith banking hours. I bank with Santander, and all their branches have those atm machines installed outside.
    I bank with Santander too. The Corstorphine branch will close next May.

    They're all at it!

  28. #117
    @hibs.net private member snooky's Avatar
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    Quote Originally Posted by heretoday View Post
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    I bank with Santander too. The Corstorphine branch will close next May.

    They're all at it!
    Awe naw. They were my last hope for turning the trend around.
    That's like discovering your last stashed bottle of whisky empty.

  29. #118
    @hibs.net private member snooky's Avatar
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    http://www.heraldscotland.com/politi..._closure_plan/

    I bet RBS are quaking in their boots at the thought of rough Fluff bluffing tough stuff and puffing guff oot his chuff.

  30. #119
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    Quote Originally Posted by lord bunberry View Post
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    It would help if RBS had more of the new style cash machines that allow you to pay money straight into your bank account outwith banking hours. I bank with Santander, and all their branches have those atm machines installed outside.
    Totally. problem being, they spent millions refitting branches and closed them anyway (d'mains being an example). It's faster and easier. I had to go into Newbridge the other day to pay money in. Big queue and only the quick deposit option. Needs a complete refit

  31. #120
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    Quote Originally Posted by snooky View Post
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    Awe naw. They were my last hope for turning the trend around.
    That's like discovering your last stashed bottle of whisky empty.
    Meanwhile Santander have two branches in Morningside Road. It's all about footfall I guess.

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