Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: richywilts on March 13, 2012, 05:04:31 pm
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jesus christ got called into hsbc yesterday to discuss new banking arrangement as free business banking had expired couldnt believe the cost had two tarrifs to choose from
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What was the costs then. :o
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cant remember off top of me head one tariffs is 30p per cheque the other is 5 free rest at £1
19p per automatic transaction
2.5% of any cash deposited
rip off merchants
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cant remember off top of me head one tariffs is 30p per cheque the other is 5 free rest at £1
19p per automatic transaction
2.5% of any cash deposited
rip off merchants
It sounds like you need a "feeder" account that isn't business. Presumably you have a lot of customers paying by BACS so a straight account switch would be a hassle. However, cash need not be deposited so long as have a safe place for it and aren't the type that's tempted to spend it. It could be used for diesel etc. You could start a personal account to "feed" the business account. Or maybe feed it by BACS from a Santander business account as they are much cheaper to run. Obviously you would need to keep more detailed records in case HMRC ever wanted a look but there's no rule that insists on using one account only nor are you obliged to deposit all the cash. So long as you show it in your books of course.
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can't believe your business banking has only just run out!
Think i only got 18 months free :o
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Go to Santender. Free business banking.
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i swapped over from lloyds richard 18months ago
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Go to Santender. Free business banking.
WRONG not anymore for new custy,they now do a flat rate charge
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It sounds like you need a "feeder" account that isn't business. Presumably you have a lot of customers paying by BACS so a straight account switch would be a hassle. However, cash need not be deposited so long as have a safe place for it and aren't the type that's tempted to spend it. It could be used for diesel etc. You could start a personal account to "feed" the business account. Or maybe feed it by BACS from a Santander business account as they are much cheaper to run. Obviously you would need to keep more detailed records in case HMRC ever wanted a look but there's no rule that insists on using one account only nor are you obliged to deposit all the cash. So long as you show it in your books of course.
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Go to Santender. Free business banking.
WRONG not anymore for new custy,they now do a flat rate charge
Oh.... Ok. I have a free business account with them. Must be a recent thing then.
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Go to Santender. Free business banking.
WRONG not anymore for new custy,they now do a flat rate charge
Oh.... Ok. I have a free business account with them. Must be a recent thing then.
IT STILL FREE FOR OLDER CUSTYS,BUT ANYONE NEW THEN THEY PAY A FLAT RATE FEE.
HSBC IS ONE OF THE DEAREST ;D
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Try HSBC
Cheques and Cash deposits are free.
Certain things do get charged (arrangement fees etc.) but on the whole it's free.
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Try HSBC
Cheques and Cash deposits are free.
Certain things do get charged (arrangement fees etc.) but on the whole it's free.
ERM can i refer to the opening post ;D
bless been a long day ;)
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Go to Santender. Free business banking.
WRONG not anymore for new custy,they now do a flat rate charge
Oh.... Ok. I have a free business account with them. Must be a recent thing then.
IT STILL FREE FOR OLDER CUSTYS,BUT ANYONE NEW THEN THEY PAY A FLAT RATE FEE.
HSBC IS ONE OF THE DEAREST ;D
Well when you say "older" I suppose you get away with it cus you look 55!!
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banks are a joke these days always trying it on with sumat,iv got 2 banks 1 is joint where i just pay bills for house,1 is personal but now is for bills aswell since starting w/cing,both try get me have business account or some type of insurance when i pay money in,plus had a letter from hsbc other month say if i arnt paying in more than £500 a month regulary then my account is going to be down graded to a current acount ??? which thats what it is anyway ;D
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thedres a simple way around bank charges,(i'm also with HSBC) but all your cash/cheques in a personell account then go home and transfer it to your businessa account online..... theres no charge....
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jesus christ got called into hsbc yesterday to discuss new banking arrangement as free business banking had expired couldnt believe the cost had two tarrifs to choose from
Richy
Have you got a direct line to the main man then?
How did you know JC banked with HSBC anyway?
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Try HSBC
Cheques and Cash deposits are free.
Certain things do get charged (arrangement fees etc.) but on the whole it's free.
ERM can i refer to the opening post ;D
bless been a long day ;)
??? ;D ???
I'm booked into reading classes and whilst there will be double safe and get some reading glasses!!!
Back to the OP: -
In that case go back and tell them to do one as whoever you've spoke to is having you on.
We definitely are not charged for deposits and this was something I went into with them a while back after a misunderstanding following a letter we received, maybe the same misunderstanding?
They used to charge for the CC so I just cancelled it and use my own as though Petty Cash. This is a better option anyway as business CC's do not receive the usual CC benefits (Free Insurance).
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banks are a joke these days always trying it on with sumat,iv got 2 banks 1 is joint where i just pay bills for house,1 is personal but now is for bills aswell since starting w/cing,both try get me have business account or some type of insurance when i pay money in,plus had a letter from hsbc other month say if i arnt paying in more than £500 a month regulary then my account is going to be down graded to a current acount ??? which thats what it is anyway ;D
easy solution, Send the wife to bank, erm but hope the cash goes into the banks
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jesus christ got called into hsbc yesterday to discuss new banking arrangement as free business banking had expired couldnt believe the cost had two tarrifs to choose from
Richy
Have you got a direct line to the main man then?
How did you know JC banked with HSBC anyway?
;D ;D ;D
I'm getting fed up with my Lloyds business bank charges - I did open a Santander business account last year, but my nearest branch is 20+ miles away - so I don't use it much. I got in with the totally free account just before they changed it.
I don't put the cash into my lloyds account as it costs more than cheques to pay in - so lloyds only see 50% of my turnover.
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if you run a business, accept bank charges, your running a business, also you can then build a good relationship with the manager, and the tax man will accept you as a proper business.
goodgod things have to be paid for, filtering money through domestic accounts!!!!
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why line the bank managers pockets when they rip us all of anyway. you carry on and and pay your bank charges and i will have free banking for life lovely. :D
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Join the FSB and get free banking with the Cooperative bank, minimum £1000 deposited per month.
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Go to Santender. Free business banking.
WRONG not anymore for new custy,they now do a flat rate charge
brother just opened an account last week free for a short period 6 months I think then £7.50 a month I think that is great, I am paying £12 to £25 a month, I keep it down by not banking cash mostly
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Go to Santender. Free business banking.
WRONG not anymore for new custy,they now do a flat rate charge
Oh.... Ok. I have a free business account with them. Must be a recent thing then.
IT STILL FREE FOR OLDER CUSTYS,BUT ANYONE NEW THEN THEY PAY A FLAT RATE FEE.
HSBC IS ONE OF THE DEAREST ;D
that will not last long trust me, get a load of please in as the seek free stuff, grow it then start charging them, simple little modle a little like what microsoft are doing with free websites.
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Join the FSB and get free banking with the Cooperative bank, minimum £1000 deposited per month.
ian how do you deposit the money with co op bank???
im a member of fsb only thing is iv finally got a lot of customers paying by bacs now i know itll cost me a lot of money to keep on going with hsbc but i really do not want to put my customers thru anymore hassle
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Join the FSB and get free banking with the Cooperative bank, minimum £1000 deposited per month.
ian how do you deposit the money with co op bank???
im a member of fsb only thing is iv finally got a lot of customers paying by bacs now i know itll cost me a lot of money to keep on going with hsbc but i really do not want to put my customers thru anymore hassle
I am a member too, I really should use them for a cheque account and transfer to lloyds via online alothough its another job added to a list of things I dont want to do. :-\
Richy they should have an online business account that makes online payments cheaper or free, did you ask about this ?
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Go to Santender. Free business banking.
WRONG not anymore for new custy,they now do a flat rate charge
Oh.... Ok. I have a free business account with them. Must be a recent thing then.
IT STILL FREE FOR OLDER CUSTYS,BUT ANYONE NEW THEN THEY PAY A FLAT RATE FEE.
HSBC IS ONE OF THE DEAREST ;D
that will not last long trust me, get a load of please in as the seek free stuff, grow it then start charging them, simple little modle a little like what microsoft are doing with free websites.
Ian. The Santander deal for customers was worded as "Free business banking for life.". Now that doesn't stop them crippling the service to make it virtually unusable. For a while I thought that's what they were doing until I realised it was just gross incompetence.