Man of Honour
Can't say I've used one in the last decade, I do miss the ATMs when they go though.
High street Bank closures...
- Thread starter DampDog
- Start date
I use the bank fairly regularly to pay in cash takings, but the closest one to me now is 13 miles away.
That'll stop soon though since we're finally throwing in the towel of the hospitality business we had. Just survived Covid by the skin of our teeth to then go straight into the CoL crisis, with food inflation so high and dropping numbers due to the CoL starting to bite means it's the end of the road for us.
That'll stop soon though since we're finally throwing in the towel of the hospitality business we had. Just survived Covid by the skin of our teeth to then go straight into the CoL crisis, with food inflation so high and dropping numbers due to the CoL starting to bite means it's the end of the road for us.
Soldato
The banks left cause the high street declined, not vice versa.
I have used the branches a couple of times as they were literally next to where I was working at the time but also could have done what I needed to do over the phone.
I was also invited for a financial health check at the RBS head office which I went to purely cause it's a historic building and I fancied being nosey.
I have used the branches a couple of times as they were literally next to where I was working at the time but also could have done what I needed to do over the phone.
I was also invited for a financial health check at the RBS head office which I went to purely cause it's a historic building and I fancied being nosey.
Soldato
A good 7 or 8 branches have closed near me and a lot here have introduced reduced counter service (a few hours a day) and stripped out business services in their branches.
Granted a lot has moved to online or mobile banking but there's still a lot of the population that aren't technologically au fait plus, not all banks offer the same services on their digital platforms or with Post Office banking. Paying in cheques via a mobile app or online is a good example - 6 years on from when it started to get implemented (in the UK) and there's still a good handful of 'high street' banks, and a shed load more 'digital' banks, that don't offer the feature. And even then, it might only be to personal accounts and not business customers.
Granted a lot has moved to online or mobile banking but there's still a lot of the population that aren't technologically au fait plus, not all banks offer the same services on their digital platforms or with Post Office banking. Paying in cheques via a mobile app or online is a good example - 6 years on from when it started to get implemented (in the UK) and there's still a good handful of 'high street' banks, and a shed load more 'digital' banks, that don't offer the feature. And even then, it might only be to personal accounts and not business customers.
Soldato
Not financially viable I hear? Just like passing on interest rises to savers isn't viable so we all jump ship on our instant access.
My dad's is closing and he's gutted , like many more oldies they like human contact
My dad's is closing and he's gutted , like many more oldies they like human contact
Soldato
I've managed to lock myself out of a HSBC account recently and they've asked me to go to a branch to get it sorted. No idea what I'm suppsed to take with me so it'll probably involve a second visit.
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Disliking all these closures. I like dealing with people for this kind of thing.
HSBC shut our local branch for work. Nearest one is a cashless branch (u wot) so it's central Cambridge to do anything with that. No chance I'm lugging 4 figures in cash through central Cambridge and making a 3 hour trip to do so. Luckily despite my initial scepticism the post office will do everything I need (cash floats and the like) for now and our local one is awesome.
HSBC shut our local branch for work. Nearest one is a cashless branch (u wot) so it's central Cambridge to do anything with that. No chance I'm lugging 4 figures in cash through central Cambridge and making a 3 hour trip to do so. Luckily despite my initial scepticism the post office will do everything I need (cash floats and the like) for now and our local one is awesome.
They've blocked my credit card a few times now as I refuse to accept their fraud calls are genuine. When most places say "we'll never ask you for your passcode / details" they ring up and say there's potential fraud, please give me the following security info. Nope.
Two forms of ID like passport and driver’s license should do it.
Associate
Yes, our local Barclays has just closed! I accept that I rarely went in the branch. However, I used the external cashpoint a lot and they have also boarded that up too.
I live in a small town and there was always a que outside before it opened. Usually the elderly. I do feel sorry for those that now cant use the local branch.
I live in a small town and there was always a que outside before it opened. Usually the elderly. I do feel sorry for those that now cant use the local branch.
That sounds like a time to ditch nationwide. Cheque pay in via app has been around for years - need to move to a decent bank.
Like others on here, I haven't visited a bank in years so hardly surprising they're shutting up shop. Actually what was quite annoying was the missus had arranged a collection at work and got about half the amount in cash and the other half in bank transfers. The problem was we couldn't then find a branch to pay it in with
.As more and more things resort to card/online payment they should just reduce the cost of processing transactions so that as per the OPs complaint, independents working on a market stall can take payments, then finally do away with cash.
NatWest accepts cheques up to 1000 quid via the app.
When I travel back to the 80s maybe.
Caporegime
Can't even pay money into my bank.
There are ATMs here for pensioners
That's it .....
There are ATMs here for pensioners
That's it .....
Soldato
You would be surprised how many still exist in the commercial world even with modern day options available.
Soldato
Yup, they're still fairly popular amongst the oldies, my aging folks love them, and some businesses still use them rather than BACS.
Not always that simple, plus there's a lot of banks that don't offer mobile/online cheque deposits and even when they do, they tend to have piddly limits and/or don't support a wide range of cheque types outside of personal cheques.
Personally I'm a bit of a dinosaur and probably still use cash more than most, I miss the abundance of banks and cash machines we had access to. That said doing every purchase via a card or an app. isn't really of any consequence. What set me ranting was at least one of the banks that closed this weekend was always busy by virtue of picking up the slack from customers who need to use a bank but had already seen theirs close. So them only closing due to "financial viability" doesn't ring true in this case. Plus the banks are pretty good at making money and hoarding it rather than passing it on, blowing a few quid on customer service might not go amiss.
I know quite a few pensioners who's world still revolves around "paper-money." Adopting the whole internet and electronic banking world will always be a none starter. Embracing new tech is good for us (so they tell us) but if folk are not as willing or able to adopt it, losing the old way of doing things is more of an issue. Many small Post Offices have been absorbed into the corner shop and traditional counters have disappeared. Now if you want to pay money in it's pretty much via the counter & till so every man and his dog has view and earshot of your business. Not ideal if you're a frail pensioner.
I'd put money on if (If I could find an open bank) that within a decade or so paper money will be naught but a memory. As above. Lots of what where the market trade will vanish. But is it not what the government wants? to know where your every penny is? Unless you're wealthy enough to have it all hidden offshore by your personal accountant.
I know quite a few pensioners who's world still revolves around "paper-money." Adopting the whole internet and electronic banking world will always be a none starter. Embracing new tech is good for us (so they tell us) but if folk are not as willing or able to adopt it, losing the old way of doing things is more of an issue. Many small Post Offices have been absorbed into the corner shop and traditional counters have disappeared. Now if you want to pay money in it's pretty much via the counter & till so every man and his dog has view and earshot of your business. Not ideal if you're a frail pensioner.
I'd put money on if (If I could find an open bank) that within a decade or so paper money will be naught but a memory. As above. Lots of what where the market trade will vanish. But is it not what the government wants? to know where your every penny is? Unless you're wealthy enough to have it all hidden offshore by your personal accountant.
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Soldato
A few a year.