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All I want to do is transfer some money from my account to another account. It's all EU stuff. Should be easy enough. I need this for a rent deposit.
So, decide to do a bank transfer. Pretty reliable generally. Takes a working day to Eurozone countries. Great! That means we'll be done by Tuesday. Landlord gives me his IBAN number. Go onto online payments. Click on "I don't have the SWIFT code. Apparently if I'm transferring to Germany, I need the SWIFT code. Ask landlord for SWIFT code. Get it by end of day.
Log onto online banking. Enter the SWIFT code. isn't accepted. Thanks, Lloyds. Later experimentation showed that a SWIFT code that I'd successfully used before didn't work either. For that matter, nor did Lloyds' SWIFT code.
So, I call my parents. They have plenty of cash kicking about, and they'll be happy to sort this out for me. Except they aren't really all that good with computers. Dad insists that his online banking only allows him to move money between his own accounts (don't believe him), and mum did her best but didn't seem to be able to find a way to pay in Euros.
Thought about using an online service. Some of these are rather good and all you need to do is give a debit card number. All well and good, but they need me to send proof I am who I claim to be (Money laundering regulations). I don't have access to a scanner right now, and I don't think I have access to a bank statement.
My brain hurts.
So, decide to do a bank transfer. Pretty reliable generally. Takes a working day to Eurozone countries. Great! That means we'll be done by Tuesday. Landlord gives me his IBAN number. Go onto online payments. Click on "I don't have the SWIFT code. Apparently if I'm transferring to Germany, I need the SWIFT code. Ask landlord for SWIFT code. Get it by end of day.
Log onto online banking. Enter the SWIFT code. isn't accepted. Thanks, Lloyds. Later experimentation showed that a SWIFT code that I'd successfully used before didn't work either. For that matter, nor did Lloyds' SWIFT code.
So, I call my parents. They have plenty of cash kicking about, and they'll be happy to sort this out for me. Except they aren't really all that good with computers. Dad insists that his online banking only allows him to move money between his own accounts (don't believe him), and mum did her best but didn't seem to be able to find a way to pay in Euros.
Thought about using an online service. Some of these are rather good and all you need to do is give a debit card number. All well and good, but they need me to send proof I am who I claim to be (Money laundering regulations). I don't have access to a scanner right now, and I don't think I have access to a bank statement.
My brain hurts.
