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Advice Bank Transfers

Discussion in 'General chit chat' started by DRAGONBAIT666, Apr 11, 2020.

  1. DRAGONBAIT666

    DRAGONBAIT666 Posting Addict

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    Basically selling my car tomorrow (hopefully)

    bank transfer is preferred these days.
    How safe is it give my details to someone. Face to face sale. Ok 6foot apart face to face sale. Lol

    can the transaction be cancelled or reversed etc
    Any pitfalls I should be aware of
     
  2. Herbie87

    Herbie87 Big Poster

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    Done it a few times in the last 12 months with car sales and its been fine. Just fill out a buyers/sellers document so you at least have a signed record of the transaction.

    The only issue I had was actually buying a car and sending the money because the payment didn't hit the sellers account until the next day, so I couldn't take the car there and then. Thankfully it was only a 45 minute drive.
     
    Marky-Boy and Issac like this.
  3. Readie

    Readie Grumpy Old Fart

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    I actually asked a lady at nationwide this during a meeting.

    She said it can’t be reversed but could take sometime to come through depending on the banks involved.

    Didn’t sell my car in the end though.
     
  4. Jesterdog

    Jesterdog Donator

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    Until the money hits your account there's no absolute proof that the transfer has been made
     
    DRAGONBAIT666 likes this.
  5. DRAGONBAIT666

    DRAGONBAIT666 Posting Addict

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    Hmm
    So if guy transfers money via phone app. It not clears there then I assume not let him drive it away. And if it does clear straight away I’m gonna transfer it straight into my savings account
     
    Herbie87 likes this.
  6. scooby1

    scooby1 Big Poster

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    Have done this recently and had know problems But transfer can very depending on the Bank they are using.
     
  7. DRAGONBAIT666

    DRAGONBAIT666 Posting Addict

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    Both my daughters have different banks from me and when any us transferred cash to other it’s cleared Immediately. Hopefully be like that when sell car
     
  8. Readie

    Readie Grumpy Old Fart

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    That’s the problem, it could go straight in, maybe 10 mins, maybe longer.
    It seems the banks hang on to it longer depending on the amount.

    The more money the longer they keep it, even though it’s gone from the buyers account.

    That’s why the bankers all have nice second homes etc...
     
    Jesterdog and DRAGONBAIT666 like this.
  9. Readie

    Readie Grumpy Old Fart

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    My wife has just waited 2 days for a significant transfer from a solicitor
     
  10. Robs321

    Robs321 Donator

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    Usually regular bank transfers go through immediately. If its a first time payment it will need verifying. Nationwide do this with their little calculator thingy. Although depending on the size of the payment, may slow things down.
     
  11. Issac

    Issac Keyboard Hero

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    I bought a land rover recently, did a transfer of funds and I drove away with it. Poor guy is ringing me later that the money has not appeared in his account. It took until the following day for it to get sorted.

    Because of the amount, the bank decided to ring us to confirm before sending funds.
     
    DRAGONBAIT666 likes this.
  12. DRAGONBAIT666

    DRAGONBAIT666 Posting Addict

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    Hopefully be straight forward. Car sale is 2k. Maybe lil less if I’m knocked down a bit. Also then be buying a cheap automatic in very near future. Hence me selling my manual vw polo. Health reasons. So hopefully My money transfer other way will be smooth. Bummer if not immediate. I’m with NatWest if that of any note
     
  13. RichieRich

    RichieRich Ping!

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    Providing the transfer is done within normal banking hours, the transfer should take place immediately. If its outside of banking hours, the payment may be delayed till the next day if it is being transferred between different banks.
     
    DRAGONBAIT666 likes this.
  14. DRAGONBAIT666

    DRAGONBAIT666 Posting Addict

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    Hmm tomoz ?
    Easter Sunday I believe.
     
  15. mikeyhall1

    mikeyhall1 Amazing Poster

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    You should see it immediately as “pending” on your online bank. You’ll be fine mate
     
    DRAGONBAIT666 likes this.
  16. DRAGONBAIT666

    DRAGONBAIT666 Posting Addict

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    So aside from actual funds clearing anything else be aware Of by giving bank details. Obviously be aware of new standing order/direct debits. Get email text n app alerts to anything new set up.
     
  17. Tom A

    Tom A Posting Addict

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    If it's just the usual (account number and sort code), the worst that can happen is that they can give you money without your permission. Only be suspicious if they ask for more details such as d.o.b. or card verification number.
     
    DRAGONBAIT666 likes this.
  18. DRAGONBAIT666

    DRAGONBAIT666 Posting Addict

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    Thanks for all the replies and advice.. appreciated :)
     
  19. Readie

    Readie Grumpy Old Fart

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    Like you said yourself and if you’re paranoid like me, move the money elsewhere straight away.

    It’s a good idea to have a “trading “ account for these things and internet buying where you just keep a few pounds in it.
     
    DRAGONBAIT666 likes this.
  20. Andy_J

    Andy_J Replica Airgun Enthusiast

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    It is the same as giving someone a cheque. You are giving no more details than you would with a cheque.

    You cannot cancel the bank transfer. It can't be reversed. Once done, it is done. Very safe though. Some people on here worry about it with sales, but they think they are safe doing paypal which is just the same. No come back.

    Remember this, they can only pay in to your account. They cannot do anything else.
     
    Radlad and DRAGONBAIT666 like this.

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