Banks have gone mad - anti money laundering provisions

Fully agree had a similar episode myself that involved a long walk in the rain.

Dealing with cash like that is only going to get harder and harder.

Tell them that the person is disabled, see what they say then ?

People should start asking for things like these in writing. If its their policy they will have no problem doing that. Then send it to the head office of the bank in an official complaint about how your wife was treated despite being a customer and having her ID with her.

I did the above last week with my employer. He sent me home because he didn't have a free system for me to work on. I asked for the pay. He refused and also refused to give that in writing.

I sent a written complaint to the international head office(bypassing HR) and a single email sent to 15 company employees(HR, IT, sales, customer support, press, and even the webmaster), whose emails I got from the internet.

Everyone scrambled to cover their arses.

Took them less than 36 hours to send an official apology and promise a pay for 2 shifts. Free money. All on Corbyn for PM.

No point making noise on chit chat. Do that in the bank and you'll find out its great fun, as long as you have your own ass covered and don't overdo it.

Back when my parents were alive, I often used to stay with them for the weekend when there were consecutive race meetings in their neck of the woods.

One Friday, about 25 years ago now, I went to Huntingdon and had a very good afternoon, and didn't particularly want to carry so much cash across London to get to Sandown the next day. So, I handed my mother three grand in readies and asked her to deposit it in my building society account on Saturday morning.

When I got back from Sandown that evening, she handed me my building society passbook, duly updated, but said she'd been a bit embarrassed, because Mrs Sharma, from next door, had been at the counter when she made the deposit, and she didn't want Mrs Sharma thinking I was a gambler or was up to some sort of funny business.

"So I told her it was money from work you did, which you were paying in by cash to hide it from the taxman."

I don't think the poor woman ever recovered from witnessing my reaction to that statement.

I've had the same problem.  No longer allowed to pay cash into someone elses account.

i was recently asked if the money i was paying into my bank account was my money.

but then nothing else was said.

I did point out that I could use the paying-in-machine but they seemed a bit confused.

i often pay cash into my mrs's bank account, she has different bank to me, i have
never been asked questions...

it's standard procedure more and more ...as the OP said , pay into your account and transfer the cash ...banks like a record who is paying in .

I guess 500 is a  large sum to be handling in cash these days

OP's wife has an account in the same bank and was willing to provide ID. That should be enough to know where the money came from in OPs account.

The way it stands now, the money came from his wife's account. But where did his wife get the cash? Its the same question you'd have asked if the wife had deposited it into his account. So what's the difference?

Nov 26, 2019 -- 11:24PM, ----you-have-to-laugh--- wrote:

i was recently asked if the money i was paying into my bank account was my money.but then nothing else was said.

The same happened to me. I moved to a new city. Opened an account. My salary wasn't coming to that account so what I did was withdraw small amount from the other bank and deposit it into my new bank(don't remember why but had to do this for some reason). After the third such transaction the bank called me for a meeting.

The amounts weren't more than 300 euros. Their excuse was the 'System' flagged my account and they just wanted to know if everything was ok. Stupid waenkers.

Have transferred over 9k to foreign accounts since then but it hasn't been flagged.

Its cash that causes them headaches and therefore they avoid it. I doubt it has any legal basis, just internal branch policy.

when u think of cash these days  .... travellers,scrap dealers,doleys,drug dealers,hookers,dodgy builders,stolen car criminals   ...

really can't think why banks have a problem with it

... Filthy arbers cycling from shop to shop ...

Opening Poster.

Why not open a joint account? You would not experience these type of difficulties again!

Do you have formal access to your wife's account?

Out of curiosity, do you believe the wife of a suspected terrorist or criminal should be allowed to fund an account held by their partner?

That's a stupid thing to ask.

I wouldn't want the wife of a suspected criminal to buy food for him too. Does that mean I should support showing ID when buying food? Or I should consume the food in the shop so that there's no danger of me buying it for someone else?

You can't buy a sim card without it being registered in someone's name. But anyone in possession of the card can make a call. Would you support a biometric examination of the person making the call before the call is allowed to go through? After all, a terrorist could well make a call from his wife's sim card.

OP's wife had ID and was an account holder at the bank. Meaning she wasn't no stranger. Not allowing her to deposit the money doensn't make any difference. Especially when she can conveniently deposit it to her own account and transfer it later. The source of the funds is still unknown but it has reached the destination. SO what's the point in refusing it in the first place?

Tell them that the person is disabled, see what they say then ?


Good one! I think I shall try that an even put on the gimp limp myself!

tbf it is only the clerks being told what to do. Most will not know the law or even the Banks Book of Instruction!

I shall also tell them I am depositing it for the Mexican drug Cartels so that should be alright then!

Funny how they made the windows of banks in Mexico bigger so they could put larger boxes of cash through but here you cannot give your missus £500!

truly pathetic. So many Russians in London laundering their ill gotten gains and nothing is done but you little people cannot pay £500 in cash into someone else's bank account!

another one.....

my sister changed jobs and was short of money for a short time, i said i'd pay her mortgage
and she could repay me.

she had to come round, phone her bank, then get their permission to speak to me.

they asked me if it was my money, where i got it from, would it cause me hardship
to pay the money, and would she have to pay me back.

no hardship says me, but its annoying to go through this routine.....no answer

this was about 6 months ago.

would have been simple if i had her bank card and cash to pay in at the time....perhaps

here's the thing

you can do a bank to bank transfer!

had i had her details i could have gone to my bank and done that

if i did online banking i could have done that



no questions....

Tell the bank that you are your wife and that you are transitioning.

You should see what they done to me...evil

I would not care but it was the banks that bankrupted the whole world

and were neither punished or asked to pay the money back

I regard banks as the lowest of the low

a wise move uble,

never trust them, keep both eyes on em too.

You can sometimes have fun with them though. I went to a teller's window in the "Countrywide" BS and asked to withdraw £300.
Was told to use the ATM for such a small amount. Did this but was paid out in plastic tenners.

Went back to the window and asked the cashier to change them for twenties but she refused as "only banks change money not building societies."

So I got her to pay the money back into my account then again asked to withdraw £300 but in twenties.

The look I got

Having been a Barclays account holder for more than 50 years I wasn't allowed to pay £50 cash into my daughter's account...instead had to pay it into my account which necessitated having to enter my pin into their hand held device.Totally bonkers. Lybertyne's suggestion of paying it in through the deposit machine is a simple but clever idea to bypass the ridiculous bureaucracy.

At least Barclays use chip & pin. Nationwide still appear to regard a signature as sufficiently secure.

i withdrew cash from machine, it came out in £10s

asked to change them , and was told i would have to pay in
and draw out £20s.....so i did

funny old world knight commander

i think its to stop local traders getting their takings changed, as banks
see paying in cash as a nice earner on business accounts

as uble says they are lowest of the low