CTC Social Thread
Join Date: Sep 2004
Location: UK
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Yeah, Im out of Heathrow on Singapore. Staying in London at pres. Myself and another bloke are late additions for cp48. You also on Singapore? Maybe we should organise to meet up there before the flight?
Join Date: Jan 2007
Location: Leicestershiure
Age: 41
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Bank Charges in NZ
HI all
CP49 er here.
Just wanted to ask if anyone has considered bank charges when withdrawing money from HSBC accounts while in NZ. Im gonna speak to the HSBC about it but was wondering if anyone has found away around this. Apparently HSBC charge £1.75 per cash point/ debit transaction according to my local branch, not hythe.
Tom
CP49 er here.
Just wanted to ask if anyone has considered bank charges when withdrawing money from HSBC accounts while in NZ. Im gonna speak to the HSBC about it but was wondering if anyone has found away around this. Apparently HSBC charge £1.75 per cash point/ debit transaction according to my local branch, not hythe.
Tom
Join Date: Mar 2007
Location: sheffield
Age: 40
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Not sure yet FA,
Its looking like 30th May, although there is a chance it could be 1st. Daphne will tell me as soon as shes got the class 1 thats being sent in the post tomoz...
looking forward to the meet and greet, will be a chance to get some feedback finally!
Its looking like 30th May, although there is a chance it could be 1st. Daphne will tell me as soon as shes got the class 1 thats being sent in the post tomoz...
looking forward to the meet and greet, will be a chance to get some feedback finally!
Join Date: Feb 2006
Location: uk
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Tom,
I opened up a nationwide account as they apparently don’t charge commission or withdraws oversees. I’m then going to transfer my living expenses loan out each month.
Ribena
I opened up a nationwide account as they apparently don’t charge commission or withdraws oversees. I’m then going to transfer my living expenses loan out each month.
Ribena
Join Date: Jul 2006
Location: chichester
Age: 40
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re bank
If u are on graduate plus account with hsbc, theres no charge according to hythe
if they charge 1.50, then maybe set up and ANZ account in NZ and transfer your money to that account?
if they charge 1.50, then maybe set up and ANZ account in NZ and transfer your money to that account?
Join Date: Mar 2007
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Hey FA,
I'm not sure yet... posting the class 1 to daphne tomoz so i will find out asap... ive told her its gonna be the 1st or 31st May so whichever Cp they are!.. either way i'l join you for a beerski at dibden and hamilton!
I'm not sure yet... posting the class 1 to daphne tomoz so i will find out asap... ive told her its gonna be the 1st or 31st May so whichever Cp they are!.. either way i'l join you for a beerski at dibden and hamilton!
Join Date: Apr 2006
Location: England
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Withdrawal charges
I know that at least one guy in NZ started transferring his money for living expenses from HSBC to Nationwide every month. HSBC sent him a letter informing him he was in breach of the terms and conditions of his loan. Perhaps something to bear in mind.
Join Date: Feb 2006
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bank
True, if you set up a graduate plus account or any plus account you get free withdraws but you do pay £9 a month (I think) for the privilege. So over the year that we are out there we are going to pay about £110.
Join Date: Mar 2007
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Another thought re cash - if you get a nationwide credit card, you don't pay commission on foreign purchases.
Either make a single cash withdrawal once a month from HSBC to minimise charges, and put suitable spending on the credit card. Then, make a single UK BACS payment from the HSBC account to your nationwide credit card via switch or whatever.
Obviously, you'd have to have discipline and budget carefully. And, I haven't read loan T&C's, so just thinking out loud here...
Either make a single cash withdrawal once a month from HSBC to minimise charges, and put suitable spending on the credit card. Then, make a single UK BACS payment from the HSBC account to your nationwide credit card via switch or whatever.
Obviously, you'd have to have discipline and budget carefully. And, I haven't read loan T&C's, so just thinking out loud here...
Join Date: Nov 2004
Location: With my head in a sandbox!
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Phase 3 11th April?
Hey guys and gals
Anyone heading over to Bournemouth for stage 3 on 11th April? I know one of the guys I did stage 2 with is on the same one. I'm staying at a B&B the night before as the A34 is a bloody nightmare in the mornings! If anyone is going to be there, let us know.
Cheers
PAJ
Anyone heading over to Bournemouth for stage 3 on 11th April? I know one of the guys I did stage 2 with is on the same one. I'm staying at a B&B the night before as the A34 is a bloody nightmare in the mornings! If anyone is going to be there, let us know.
Cheers
PAJ
Join Date: Oct 2006
Location: Limavady
Age: 39
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PAJ, if you were one of the guys there on the 23rd March, good luck! Only one of the Northern Irish guys will be joining you though (at most, I don't know what Mr Marshall is up to, I'm afraid) - my stage three/four has been pushed back to June as I can't head out to NZ until August at the earliest due to my degree.
Andy
Andy
Join Date: Oct 2002
Location: USA
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Website of CP43
HSBC do not have the right to tell you how or where you transfer your money too, I have had the same conversation with Lynda about being in breach of contract. The contract says that the HSBC account must be your main account, it is, I just choose to transfer a portion of my MY MONEY to another account each month (3/4 of the amount) at the start of the month.
That way I still use my HSBC account at the start of the month, paying 1.75 per transaction, then once the money have been transferred (3 working days) I use my Nationwide account for the rest of the month paying no transaction fees. Also the Nationwide card is a Visa debit card therefore allowing you to use it in bars/shops etc whereas the HSBC card is a Maestro card which means you can only use at an ATM.
It’s easy to set up a Nationwide account and with internet banking it only takes a minute (girl) to transfer money.
Hope that clears a few things up
Thrillseeker
That way I still use my HSBC account at the start of the month, paying 1.75 per transaction, then once the money have been transferred (3 working days) I use my Nationwide account for the rest of the month paying no transaction fees. Also the Nationwide card is a Visa debit card therefore allowing you to use it in bars/shops etc whereas the HSBC card is a Maestro card which means you can only use at an ATM.
It’s easy to set up a Nationwide account and with internet banking it only takes a minute (girl) to transfer money.
Hope that clears a few things up
Thrillseeker
