Bank closures

Started by: PeterP (9506)

Every day we read about bank closures and the excuse being less and less people are going into the banks What the banks don't tell you is that they are forcing you to use on line banking to get better rates for your savings. One bank is offering 1.5% if you go to the bank and all ready have an account with them. But if you open an online account you can get up to 2,45%. This is OK if you have a computer but over 40% of people don't have access to a computer or don't own one

Started: 31st May 2022 at 08:38

Posted by: nanajacqui (4215) 

I've opened an account with Chase and it's 1.5% on savings,then 1% every time you spend from your spending account,then 5% reward if you round up to the nearest £ . If you refer a friend you both get £20 which I've done,so far it's brilliant

Replied: 31st May 2022 at 08:48

Posted by: PeterP (9506)

Nana that's OK if you have online banking. On the advert for Chase Bank the card issued has no numbers on it front or back. How do you pay using the card (no scanner m/c) when you are asked for the last 4 digits and the three digits on the back of the card if there are no numbers When I go onto my online Barclays account part of the log in asked me for the above.

Replied: 31st May 2022 at 09:53

Posted by: nanajacqui (4215) 

Peter all the details are on my iphone

Replied: 31st May 2022 at 10:29

Posted by: ena malcup (1547) 

And some of us are stuck with such poor internet that online banking is the last thing you would want to do.

Replied: 31st May 2022 at 10:58

Posted by: nanajacqui (4215) 

Chase is all on my phone internet needed....I use Starling Bank for my current account again on my phone no internet needed

Replied: 31st May 2022 at 11:04

Posted by: lectriclegs (4929)

" no internet needed"

Witchcraft indeed.

Replied: 31st May 2022 at 11:26

Posted by: retep1949 (874)

It must be magic.

Replied: 31st May 2022 at 12:44

Posted by: nanajacqui (4215) 

It is magic I don't need to use my laptop ,just my phone

Replied: 31st May 2022 at 12:51

Posted by: lectriclegs (4929)

And your phone isn't connected to the internet?

Replied: 31st May 2022 at 12:58

Posted by: Stardelta (10086)

That’s why they are called apps dontchaknow…..,,cos they just….’appen!

Replied: 31st May 2022 at 13:19

Posted by: sonlyme (3176)

I have accounts with co operative bank and santander.I do internet banking through phone apps.It's a doddle.

Replied: 31st May 2022 at 14:14

Posted by: nanajacqui (4215) 

I should have worded it differently meaning I don't have to use a computer or laptop to do my Banking anyway up I love it

Replied: 31st May 2022 at 15:37

Posted by: Owd Codger (1009)

Internet Banking is all well and good, but like many other things now, another example of how it has made people lazy with life now all revolving around a smart phone etc

How long will it be before people will be living like androids?

Replied: 1st Jun 2022 at 08:56

Posted by: Anne (4192) 

Disagree absolutely concerning on line activities make a person lazy. In my opinion it dispenses with aimlessly trailing about in order to achieve a mundane job otherwise done in seconds. Time and space can now be spent indulging in more productive pastimes. DIY, crafting, gardening and many other hobbies and interests.

Replied: 1st Jun 2022 at 09:56

Posted by: nanajacqui (4215) 

Totally agree with you Anne , a friend of mine won't do internet banking so she gets on a bus at Orrell into Wigan then queues to be served then back home on the bus and it's taken half a day

Replied: 1st Jun 2022 at 10:42

Posted by: Owd Codger (1009)


Just exactly, how many do as you think think they do?


Perhaps, they also do it to visit the town centre and do other shopping, call in a cafe or pub for a drink and do what what many people used to do before the Internet.


Replied: 2nd Jun 2022 at 07:21

Posted by: nanajacqui (4215) 

No they do online Tesco shop and only go to town for the Bank

Replied: 2nd Jun 2022 at 07:25

Posted by: Anne (4192) 

OC… I cannot give a figure as to how many do as I and others do but there must be many using online banking facilities shown by the declining use of physical banking. Same goes for in town visits. As I have pointed out before I have not visited the town centre for seven/eight years now owing to lack of bus service, find I can manage quite well without. By all accounts the town centre is dead, many of my friends and neighbors do as I do.
Got to get on with jobs lined up for today. I am no longer a spring chicken so takes me twice as long to do half as much, another reason to bless online facilities.

Replied: 2nd Jun 2022 at 07:48
Last edited by Anne: 2nd Jun 2022 at 07:53:35

Posted by: Owd Codger (1009)


My Wife and I are the same, but the fact remains that those who are more active should be visiting their town centres and socialising, especially as more now have cars to do so!

Replied: 2nd Jun 2022 at 08:09

Posted by: kathpressey (5485) 

nanajaqui. your smartphone is a computer

Replied: 2nd Jun 2022 at 08:30

Posted by: nanajacqui (4215) 

Replied: 2nd Jun 2022 at 08:49

Posted by: Anne (4192) 

Not necessary to visit the town centre to socialise. I arrange visits, outings etc. at varying venues. Some visited by car others visited by public transport. The offerings of the town centre have become mundane with no attractions to temp myself and friends as a meeting place.

Replied: 2nd Jun 2022 at 08:58

Posted by: fossil (7537)

The use of the internet is essential to us as an elderly couple, and I am perfectly confident in using it without fear of scams or other threats.
In fact I think Old age would have been completely boring without it!

Replied: 2nd Jun 2022 at 09:01

Posted by: retep1949 (874)

Everybody to their own.

Replied: 2nd Jun 2022 at 10:06

Posted by: Owd Codger (1009)

Its also essential to my Wife and I, but at the same time not everybody has got the means to get the Internet to do Internet Banking and Shopping and it is those who need to have banks and actually have to go out and do their shopping, especially those who even have not got a car to do it and are reliant on less Public Transport.

To much today of the "I am all right Jack attitude" by those who have the technology and do not care one iota for those have not!

Socking how selfish our society has become!

Replied: 2nd Jun 2022 at 11:36

Posted by: frecky (431)

I have used it for over 10 years and it's more convenient for me.....I would never, though, risk putting my bank details on my phone, just doesn't seem safe to me..

Replied: 2nd Jun 2022 at 12:52

Posted by: nanajacqui (4215) 

You have to put a six digit code on phone to look a Bank

Replied: 2nd Jun 2022 at 13:11

Posted by: fossil (7537)

Owd Codger lots of people have the means to get a internet banking, but don’t,and I understand that, but the government should make the facilities more readily available to the elderly and encourage it’s use.
The Main Street banks will disappear and call centres answer all queries fairly promptly these days.
They could be quicker but definitely quicker than car and bus and sightseeing.
Nanajacqui do you not use face recognition on your phone?

Replied: 2nd Jun 2022 at 14:17

Posted by: PeterP (9506)

We have 18 different on line accounts everything from banking to nectar points How can any one remember all the different codes and passwords for all of these accounts If I did not have them written down I would be lost same with the mobile phone number not got the foggiest what it isIf people use these things on a constant bases then they are in with a chance

Replied: 2nd Jun 2022 at 14:21

Posted by: fossil (7537)

Peter p I understand the password problem , but I use a online password storage on my phone accessed by for fingerprint or Face ID. I also have a book like you at home

Replied: 2nd Jun 2022 at 14:29

Posted by: Tommy Two Stroke (10212)

I hate banks

Replied: 2nd Jun 2022 at 14:36

Posted by: nanajacqui (4215) 

fossill I haven't used it but I'll look into it thanks

Replied: 2nd Jun 2022 at 14:43

Posted by: broady (18323) 

I believe you can put all your cards on your phone so you never have to carry a card.

Replied: 2nd Jun 2022 at 15:26

Posted by: ena malcup (1547) 

Can't rely on internet being quicker than bus where I live.

After all, it was, quite famously, beaten by carrier pigeon!

Replied: 2nd Jun 2022 at 15:28

Posted by: Owd Codger (1009)

"Call centres answer all queries fairly promptly these days"

You must be joking!
You are either in a queue for a while on a telephone or if you send a email, some never even bother to reply.

Not to mention dealing with different faceless people!

Replied: 3rd Jun 2022 at 06:52

Posted by: fossil (7537)

"You are either in a queue for a while on a telephone"
Erm I think that is why they are known as call centres !!
Owd Codger,I have spent time and lots of it on the phone in the past, but my recent experiences with call centres have been fairly swift, pleasant and productive,and on that I based my remark.

Replied: 3rd Jun 2022 at 18:38

Posted by: PeterP (9506)

Some one wanted firms fined if they did not answer the phone in 10 mins last time I phoned some one on the phone 75 mins this was a bank .A few weeks ago I Had to phone Wigan Infirmary and . after the phone ringing for 5 mins I was put into an Auto queue and was told I was 108 in the queue I hung up and by luck found a direct number and got through straight away.

Replied: 3rd Jun 2022 at 18:56
Last edited by PeterP: 4th Jun 2022 at 10:15:33

Posted by: Owd Codger (1009)


I think you must be a very lucky person as from my experience and others I know, the opposite is the case.

Replied: 4th Jun 2022 at 06:58

Posted by: retep1949 (874)

Very lucky indeed.

Replied: 4th Jun 2022 at 07:15

Posted by: fossil (7537)

Owd Codger,the thing is I try to be patient,and I don't moan about a lot

Replied: 4th Jun 2022 at 09:33

Posted by: Stardelta (10086)


Replied: 4th Jun 2022 at 11:19

Posted by: dougie (4854) 

Said before live on your credit card or cash as we do , use it or loose it that's what I say, the first credit/debit cards had a six pin number they only change it to four because people couldn't remember it look at it now

Replied: 4th Jun 2022 at 11:42

Posted by: Owd Codger (1009)


You must be a very patient person if you do not experience the problems that the majority of people now encounter today with call centres and treatment by companies towards them.

Its not moaning, just like the majority of people fed up with a example of the way our country has declined.

Replied: 5th Jun 2022 at 07:37
Last edited by Owd Codger: 5th Jun 2022 at 08:06:43

Posted by: fossil (7537)

Owd Codger the longest I have waited is over half an hour in instalments trying to contact the doctors surgery!
I try to,if not extremely urgent,make contact early evening/late afternoon when they don’t seem to be as busy.
My only problem is understanding foreign accents so I try to use another route with emails.
In my opinion call centres have improved,they had to do,and are much better than a few years ago.but generally people moan a lot these days ,me included,but more than a few on here!

Replied: 5th Jun 2022 at 08:20
Last edited by fossil : 5th Jun 2022 at 08:22:05


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