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Bank transfer?

iamCornhoolio

iamCornhoolio

Registered
Joined
Apr 13, 2025
Messages
11
Location
South West
Hi all,

I’m picking up my first pin on Saturday.

I’ve transferred a few hundred instantly via my bank app, but not to the amount of this pin before.

Has anyone had any issues transferring funds while at someone’s house? It’ll be a Saturday pm, so wanted to avoid any problems.
 
I havent had any issues, although I know a man who once did.

I was nervous too as it would be super inconvenient
 
I tend to request (or offer) a 'test quid' to prove the transfer works well ahead of the pick-up date. That way there should be no issues on the day, except for perhaps mobile connectivity issues. The seller/buyer should have access to a WiFi network though, worst case scenario.

Check your App/bank limits, just in case.

The transaction should be visible in both account fairly rapidly.

No transfer, so sale. Pin doesn't go anywhere until that's sorted. I'd expect that as a buyer too.
 
Done both ways in the last month or so, received 7k, sent 11k, both bank accounts were in the UK, both transactions happened in seconds. I did debate using cash as I didn’t want a scenario where I’d paid but the seller hadn’t received it, but in the end figured the chances of me leaving a wad of cash lying around in a random Starbucks were a much higher probability
 
Yeah as above. Always sent a small tester deposit and then transfer on the day.
Paid cash also on the day and via Martin before, but transfer the easiest by far.
 
Also contact your bank and let them know what you are buying and when you will want to transfer the money. Should iron out any issues or problems before hand and make things run smoothly.
 
As others say, send a small test payment first. How much do you trust the person you are buying from and the condition of the Pin? Most of my sales have been remote so the full amount was transferred the day before or sooner before being collected.

Can you get to a bank on the day if the transfer fails? Is the seller willing to accept cash?

Never had an issue with a transfer before.
 
This seems to become more popular recently do a sizeable deposit to secure the game before you go then you have them set up and transfer the balance when you are there I have had that done a few times recently with no problems but as people say make sure you are allowed to transfer x amount on the day through a mobile app as it could get embarrassing and be a pain to resolve over the phone with your bank particularly if it’s the weekend
 
iamCornhoolio said:
Hi all,

I’m picking up my first pin on Saturday.

I’ve transferred a few hundred instantly via my bank app, but not to the amount of this pin before.

Has anyone had any issues transferring funds while at someone’s house? It’ll be a Saturday pm, so wanted to avoid any problems.
Click to expand...
More importantly- what pin did you go for in the end?
 
Banks seem to be tightening up on fraud at the minute I have had no trouble in the past having done several 7-9k transfers but a couple of months ago I had a terrible experience transferring to buy my Jaws. After speaking with a customer service person for over half an hour explaining the purchase and what I was buying answering many security questions they turned round and said sorry we don’t approve it. The worst of it was after that they then locked the amount of money I had to spend so I couldn’t transfer it to another account. I had to find the funds from another account which I also had trouble with And in the end, I had to take the money from another two separate accounts and pay two smaller amounts. This all took an hour and was very frustrating and spoiled the experience of buying the new pin . My advice would be to pay as earlier suggested a small amount first and then split the payment over at least two account to make the purchase less noticeable and risky to the bank. Lloyd later apologise to me after I put in a customer complaint and gave me £30 whoopee.(sarcasm.)
 
mplayfield said:
Banks seem to be tightening up on fraud at the minute I have had no trouble in the past having done several 7-9k transfers but a couple of months ago I had a terrible experience transferring to buy my Jaws. After speaking with a customer service person for over half an hour explaining the purchase and what I was buying answering many security questions they turned round and said sorry we don’t approve it. The worst of it was after that they then locked the amount of money I had to spend so I couldn’t transfer it to another account. I had to find the funds from another account which I also had trouble with And in the end, I had to take the money from another two separate accounts and pay two smaller amounts. This all took an hour and was very frustrating and spoiled the experience of buying the new pin . My advice would be to pay as earlier suggested a small amount first and then split the payment over at least two account to make the purchase less noticeable and risky to the bank. Lloyd later apologise to me after I put in a customer complaint and gave me £30 whoopee.(sarcasm.)
Click to expand...
My transfer was stopped between my own accounts!! Even then they couldn’t guarantee it wouldn’t happen again
 
As others have said send a quick test tenner a few days before - then the Payee is ready to go for when you get there.

But you could still get hung up on the day, especially on a weekend, maybe a random fraud check. Then getting it released may not happen until Monday.

If you know the person and they know you then no issues, but agree this stuff up front. If they are not Willing to let you walk off with the pin, then cash it will have to be.

If i do not know the person then there is a risk... I have never had it go wrong, but it has only to fail once due to a random fraud check or what not and then it gets very awkward. Especially if you have to travel a long way.

JB
 
Biff said:
As others have said send a quick test tenner a few days before - then the Payee is ready to go for when you get there.

But you could still get hung up on the day, especially on a weekend, maybe a random fraud check. Then getting it released may not happen until Monday.

If you know the person and they know you then no issues, but agree this stuff up front. If they are not Willing to let you walk off with the pin, then cash it will have to be.

If i do not know the person then there is a risk... I have never had it go wrong, but it has only to fail once due to a random fraud check or what not and then it gets very awkward. Especially if you have to travel a long way.

JB
Click to expand...
Yep 5hr drive each way for me . My seller was happy to let me take the pin without paying till sorted but I was uncomfortable with doing that as it is unfair to him and could leave him with a nagging worry
 
mplayfield said:
Yep 5hr drive each way for me . My seller was happy to let me take the pin without paying till sorted but I was uncomfortable with doing that as it is unfair to him and could leave him with a nagging worry
Click to expand...

I had a similar issue once, transfer was held with no information from the bank, phoned to get it released, but they didn't like it when I said it was for a remote purchase and suspected it was fraud.
Had to go into the bank with passport and sign a waiver that the bank couldn't be held responsible if I lost my money.

Would recommend letting the bank know in advance your planning to travel and make a large purchase.
 
Just a note of warning re cash, see posts below it’s getting more difficult to bank cash with restrictions etc.

Tony

Post in thread 'End of Cash'

Recently sold a few bits off and had a pile of cash, chase bank don’t accept cash? Starling only accepts £1000 cash each year? And my wife’s Halifax’s only accept £2995 cash per month? Wow when did all that happen?
Don’t get me started on cheques? Recently had a cheque forced on me should be easy to cash right wrong! chase don’t accept cheques? I had to wait for it to be posted to me then had to post it on then had to wait for it to clear all in over two weeks to receive my money??
  • Wow
  • Like
 
I made a transfer over 10k and the seller didn't receive it. Had to ring the bank and speak to the fraud team to explain that I knew and had met the seller in person before they would release the funds.
 
It might be a good idea to have one of those bank card readers with you when you try to make a payment at someone's house when buying a game, just in case the bank app asks you to verify the transaction. Nationwide have asked me to do this a few times when making payments to new payees.

I tried to make a 5k payment to a member of my family recently. Nationwide froze my account and I had to talk to a fraud advisor on the phone before the account was unfrozen. The payment then took several hours before it was made. £5000 seems to be the amount where the banks start taking interest in what is going on.
 
Thanks everyone, I’ve do
SteadyP said:
More importantly- what pin did you go for in the end?
Click to expand...
It’s a Stargate, my late father in law’s favourite film.

I think it’ll be perfect for everyone, multiballs all the time and a bit more depth as well!

Thanks everyone, I’ve done a test payment so I’ll think I’ll have a back up account as well, just to make sure!
 
It really winds me up how they are controlling our spending.Cash is now awkward and has been for a while and now they have the power to just stop you spending your own money on legitimate transactions even after you have spoken to them and gone through the whole security palaver.What next ?sorry sir you already bought 2 pinball’s this year you can’t possibly need a third.I’m going to try the PayPal friend and family next time as that removes the bank’s responsibility I think?
 
The flip side is the amount of defrauding via cash and banks that the victim wishes was protected.
I am not agreeing the balance is right, CapitolOne are a nightmare for blocking my card for booking a holiday.
I believe the issue is there not being a way we can demonstrate we trust the transactions or wave liability. This should be possible via a bank app.
 
Tony said:
Just a note of warning re cash, see posts below it’s getting more difficult to bank cash with restrictions etc.

Tony

Post in thread 'End of Cash'

Recently sold a few bits off and had a pile of cash, chase bank don’t accept cash? Starling only accepts £1000 cash each year? And my wife’s Halifax’s only accept £2995 cash per month? Wow when did all that happen?
Don’t get me started on cheques? Recently had a cheque forced on me should be easy to cash right wrong! chase don’t accept cheques? I had to wait for it to be posted to me then had to post it on then had to wait for it to clear all in over two weeks to receive my money??
  • Wow
  • Like
Click to expand...
With how "anti-cash" all the banks are these days, it's much better to keep your cash away from the banks and pass it onto the next person instead of even trying to bank it
 
iamCornhoolio said:
Hi all,

I’m picking up my first pin on Saturday.

I’ve transferred a few hundred instantly via my bank app, but not to the amount of this pin before.

Has anyone had any issues transferring funds while at someone’s house? It’ll be a Saturday pm, so wanted to avoid any problems.
Click to expand...
Depends on the amount (and the bank)

If its a couple of grand, it is almost always fine.

If it's over £10k, it can often trigger an "anti money laundering interview" 🙄


It's also good to have more than one bank account, so you have options (i.e. two smaller transfers from 2 banks, or the ability to get 2x £500 out of the cashpoint in a day etc)
 
I got caught like this last year when i picked up a machine. Fortunately It was from a trusted member, so this was days in advance, however Starling Stopped the transaction, I then had the spanish inquisition over the phone... three times... and it took them near on 3-4 working days to get themselves sorted.
They wanted to know what i was buying, the relationship of the person to me, how i knew them, for how long, what i was buying... I eventually said that it's none of their business what i was buying and off whom, however they advised that they are legally obliged to ask those questions as part of the FSA requirements.

I managed to SEEM calm (most of the time)... However did loose my **** after about the 3rd time of explaining it... then telling them that it's MY money that they have, and that if they werent going to release my money at my request then i would take them to court. Didnt seem to phase them at all.
 
Paul said:
I got caught like this last year when i picked up a machine. Fortunately It was from a trusted member, so this was days in advance, however Starling Stopped the transaction, I then had the spanish inquisition over the phone... three times... and it took them near on 3-4 working days to get themselves sorted.
They wanted to know what i was buying, the relationship of the person to me, how i knew them, for how long, what i was buying... I eventually said that it's none of their business what i was buying and off whom, however they advised that they are legally obliged to ask those questions as part of the FSA requirements.

I managed to SEEM calm (most of the time)... However did loose my **** after about the 3rd time of explaining it... then telling them that it's MY money that they have, and that if they werent going to release my money at my request then i would take them to court. Didnt seem to phase them at all.
Click to expand...
Starling are one of the worst of the worst for this sort of thing. They also block anything to do with crypto.

On the other end of the scale, I find Lloyds to be more relaxed about transfers (and crypto)
 
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