How you react to this sot of (HSBC) bank teller experience?

That's all very well if it's *your* account you're paying into, and for *your* account you would normally be issued with a book of account-specific pre-printed paying-in slips. Some banks issue mixed books with both cheques and pay-in slips in them (this has disadvantages too, of course).

From context, therefore, I presume "rob" was paying into someone else's account.

God bless the Halifax. Just turn up at a counter with your debit card and they`ll print the receipt out for you. or give them enough info to identify your account and away you go. :-)

Which part of NOT YOUR ACCOUNT didn't you understand? :-)

Actually, I didn't draw that conclusion. All I knew was that it seemed astounding to have to ask three times to get the clerk to stamp my counterfoil properly. Ok, if she was issuing dish cloths from a factory store room, I wouldn't have batted an eyelid, but we're dealing with people's hard-earned money here. I'm still left wondering if she was hoping I'd walk away with an unstamped counterfoil so she could pocket the cash.

Jim D

In which case you hand over the other persons card, or give enough info, and they`ll take the payment. Last time I did it a name and address was enough

Why would you have the other person's card? If you were paying in money on behalf of a friend or relative who is unable to go to the bank, a more useful item for them to give you would be their personal paying-in book, not their card.

If you're paying in for another reason, such as your rent into a landlord's account, or paying for goods bought at a distance, having their card would be most unlikely to be an option.

Generally all you really need is their name, account number, and branch sort code, and then use a blank pay-in slip, but banks seem to be discouraging these.

What paying in book? Maybe a few of their accounts have the book, but every account I have with them either has a card, or is done online. Plus what would the difference be between them giving me a card or a book, if either lets me pay money in just as quickly ans easily?

Not really an option at a bank that don`t make you waste time with a paying in slip though is it? The Halifax just print out he receipt for you and away you go.

It is usual for current account holders to be issued with a cheque book, a paying-in book, and a card. The card usually lives in the account holder's wallet at all times. It would be unusual for someone to give their card to someone else for the purpose of letting them pay money in for them. I mean, bloody hell, next you'll be suggesting they give their card to someone else in order to let them take money out!

Nothing, apart from that the idea of parting company with one's card just doesn't sit right with me. And that a book has the advantage that it keeps all the records together in one place.

If you don't have the payee's card, it doesn't waste time. Either you have to write the details onto a slip in advance, or you have to write them down on a tatty piece of paper and show or dictate it to them while they type them in.

OK, they have to type them in in any event, but with a paying-in slip that happens later on when a batch is processed, it doesn't happen while you're stood at the counter. Or does it?

Do they do this even without a card? Can you just turn up and say that you want this fistful of tenners to be paid into the account of the person whose name, account, and branch number are on this scrap of paper?

Most of the details will be read off the MICR line at the bottom.

You can at the Natwest with a cheque.

No. This is a non-preprinted pay-in slip I'm talking about. The details exist only in hadwritten form and someone somewhere has to type them in.

What if you want to pay in cash?

I have often given my card to someone to put money into my account.

That`s your choice - I`m lucky to know people that I trust with a bank card and a few hundred quid of my cash.

I don`t know, I`ve only ever once had an account with a bank that made me fanny about with paying in slips. I closed the account within 2 weeks, I just couldn`t be bothered with the effort. When you have a card at the Halifax they just swipte the card and away you go.

They did it for me when I just told them the name and address of the person - no need for the account number as it`s very easy for them to find.

If they bank at that branch, probably [*]. Maybe even if they bank at another branch of the same bank. Otherwise not a chance!

You don`t bank at a particular branch at the Halifax - I`ve always just walked into the nearest branch and done whatever needed doing, from extending my overdraft to taking cash out, to opening new accounts. Ditto for paying it - I know that the branch I opened the account in was in a different city than the branch the friends pay money in.

But seriously, given a name and an address they can find you very easily at the Halifax. I can`t believe that there are any banks in this day and age that can`t!

Dunno - I usually go and spend that stuff instead.

Lucky, aren't you, never to find yourself with more than you're happy to keep lying around in the house, or on your person. :)

A tenner says that's bunkum. Put your money where your mouth is!

I'll give you my name and address, and I challenge you to pay £100 into my current account.

By the way, I don't bank with Halifax, though I do have an account with Halifax BoS, but not a current account, that's elsewhere, and HBoS know where it is.

If it works, I promise to pay you £10 (and give the £100 back). If it doesn't, you pay me £10 by cheque in the post.

Deal?

If you don`t bank with the Halifax, how can you expect me to pay money into your account through the Halifax? If you want to see it work go into a branch without any ID and give it a try - it works for me, and has done for years.

This was the situation - and so I didn't have it.

In the case of NatWest they insisted that I fill in a form (which I had to ask for and must NEVER be removed from the premisies - been watching too many Indiana Jones films perhaps)

I have not had this trouble with Barclays - even when i did not notice that the forms were available on a table. They just typed in the details off of my tatty bit of paper. I don't remember if I got a receipt.

Abbey will also take the money without a slip - as long as they have the account number etc. And they print a receipt whatever way it is presented.

Councils could only have taken a pension holiday if there was enough money in the fund to cover the cost or by reducing the employees pension entitlement for that year, and not because they simply wanted to save some cash by not making payments. So let's hope this is indeed just a rumour...