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Vickie78

Going home soon (Personal Diary?)

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3 minutes ago, AliQ said:

Hi Vickie78, I do have my UK mobile number registered as well with my bank, but SMS access codes will only be sent to Australian numbers (been told that is for security reasons) and I do use the bank's app most of the time too. Yes, my bank can turn off the SMS notifications, but then I can't do any money transfers , there is no other notification available for the transfers that I do. I bank with BW, and very happy with them too.

I ONLY use my Australian mobile to receive SMS bank access codes, so no, not using up much credit at all. Of my last top of $30, I only used about $3 only so it's a very cheap and easy way to keep my Australian number, and make life easier with online banking.

Good luck with your move.

For the past 8 years I've needed to keep an Aus number and a right pita it is too but you can get a 12 month "number keeper" with Vodafone and ask them for International Roaming with it. Works out at $20 a year for me but it may have gone up now. My bank won't register a UK number but the credit card co will. Which reminds me, it's due for renewal at the end of this month.

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1 hour ago, AliQ said:

Hi Vickie78, I do have my UK mobile number registered as well with my bank, but SMS access codes will only be sent to Australian numbers (been told that is for security reasons) and I do use the bank's app most of the time too. Yes, my bank can turn off the SMS notifications, but then I can't do any money transfers , there is no other notification available for the transfers that I do. I bank with BW, and very happy with them too.

I ONLY use my Australian mobile to receive SMS bank access codes, so no, not using up much credit at all. Of my last top of $30, I only used about $3 only so it's a very cheap and easy way to keep my Australian number, and make life easier with online banking.

Good luck with your move.

Oh right, that's good to know 🙂 I want to get rid of my Optus phone due to issues, they said I can hand it back and not pay or pay $500 and contract cancelled, I've basically had minimal/no signal since moving here (have to use wifi calling) and they said it would be fixed, but here we are a year later so they agreed I have a case. Anyway if i can get a pre-paid Aussie number, I'll just do that I think, as my phone has dual sim, so then I can stick a UK one in there too, covers all bases. Everyday I'll use UK . Bank stuff, Aussie number. 

I love how you find out random tips just being on here. Cheers 😉 

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Can you do the cash out while paying at a register thing in the UK like you can here , on debit card. Couldn't find an answer on google? Aussie and/or UK cards. 

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29 minutes ago, Vickie78 said:

Can you do the cash out while paying at a register thing in the UK like you can here , on debit card. Couldn't find an answer on google? Aussie and/or UK cards. 

We never tried it so I can't say.  However like I say, if you get an ING account then you can use the debit card to take money out at any bank's ATM and not pay a fee, so we never really needed to try.

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Scot by birth, emigrated 1985 | Aussie husband applied UK spouse visa Jan 2015, granted March 2015, moved to UK May 2015 | Returned to Oz June 2016

"The stranger who comes home does not make himself at home but makes home itself strange." -- Rainer Maria Rilke

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6 minutes ago, Marisawright said:

We never tried it so I can't say.  However like I say, if you get an ING account then you can use the debit card to take money out at any bank's ATM and not pay a fee, so we never really needed to try.

Good point. Duh me again lol

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Sell everything, get on the plane happy and dont look back.

Far better back here.  Much better and youre really isolated stuck so far away out there too.

 

 

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On 08/01/2020 at 00:38, Vickie78 said:

Can you do the cash out while paying at a register thing in the UK like you can here , on debit card. Couldn't find an answer on google? Aussie and/or UK cards. 

Not sure as I've never tried to do that, but free ATM's are everywhere here, well they are where I am, so very easy to get cash at any time of day or night.


Left UK 1990 / WA for 28 years / UK / returning Australia April 2020.

 

 

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On 08/01/2020 at 00:38, Vickie78 said:

Can you do the cash out while paying at a register thing in the UK like you can here , on debit card. Couldn't find an answer on google? Aussie and/or UK cards. 

You can do cash back at most checkouts...I think max is £50 also there are more cash machines popping up that charge you for using them.

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1 hour ago, AliQ said:

Not sure as I've never tried to do that, but free ATM's are everywhere here, well they are where I am, so very easy to get cash at any time of day or night.

However the ATM's are not free if you have an overseas card.   If you have an account with ING, ING refunds you the fee within a few hours of the transaction.  I'm not aware of any other bank that refunds the fee.  


Scot by birth, emigrated 1985 | Aussie husband applied UK spouse visa Jan 2015, granted March 2015, moved to UK May 2015 | Returned to Oz June 2016

"The stranger who comes home does not make himself at home but makes home itself strange." -- Rainer Maria Rilke

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19 minutes ago, Lavers said:

You can do cash back at most checkouts...I think max is £50 also there are more cash machines popping up that charge you for using them.

What about if you're using an overseas card?   We used our cards at checkouts but we never tried to see if the cashback worked, or if there was a charge associated


Scot by birth, emigrated 1985 | Aussie husband applied UK spouse visa Jan 2015, granted March 2015, moved to UK May 2015 | Returned to Oz June 2016

"The stranger who comes home does not make himself at home but makes home itself strange." -- Rainer Maria Rilke

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43 minutes ago, Marisawright said:

What about if you're using an overseas card?   We used our cards at checkouts but we never tried to see if the cashback worked, or if there was a charge associated

Not sure on that one. I use a card called revolut when I'm abroad, you just link it to your normal bank for east transfers and theres no charges. Also they give a better exchange rate compared to any where else.

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2 hours ago, Lavers said:

Not sure on that one. I use a card called revolut when I'm abroad, you just link it to your normal bank for east transfers and theres no charges. Also they give a better exchange rate compared to any where else.

thanks for that, I hadn't heard of it before.  This review seems quite positive, though the complaints about customer service in the comments are a worry:

https://moneycheck.com/revolut-review/

Not available to Australians though.

Edited by Marisawright

Scot by birth, emigrated 1985 | Aussie husband applied UK spouse visa Jan 2015, granted March 2015, moved to UK May 2015 | Returned to Oz June 2016

"The stranger who comes home does not make himself at home but makes home itself strange." -- Rainer Maria Rilke

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5 hours ago, Marisawright said:

thanks for that, I hadn't heard of it before.  This review seems quite positive, though the complaints about customer service in the comments are a worry:

https://moneycheck.com/revolut-review/

Not available to Australians though.

It worked well for paying my fees for my visa etc as I didn't get any bank charges, probably saved me  a few hundred pound 👍

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There's a few of those app based banks now, there is also Monzo and Monese and some others that have excellent reviews. Britbound actually suggested those to me, you can open once in the UK, requires passport/address(any uk address)  and a selfie for security. Salary etc can also be paid into them, and I may not even bother with a bricks and mortar Bank, will see how it pans out I guess and whether I need a 'traditional' account or not. 

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23 minutes ago, Vickie78 said:

There's a few of those app based banks now... I may not even bother with a bricks and mortar Bank, will see how it pans out I guess and whether I need a 'traditional' account or not. 

Have a read of the comments on that article I linked to.  While it all looks very positive in the reviews, the comments show that when things go wrong, it's not easy to get things sorted out.

That doesn't surprise me because most online businesses are the same.  Look at eBay, PayPal, Amazon, AirBnB etc.   All great when they work, but their customer service is faceless and frustrating to deal with.   Customer service at bricks and mortar banks can be appalling too, but at least you can march into a branch and create merry hell if all else fails!

Edited by Marisawright
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Scot by birth, emigrated 1985 | Aussie husband applied UK spouse visa Jan 2015, granted March 2015, moved to UK May 2015 | Returned to Oz June 2016

"The stranger who comes home does not make himself at home but makes home itself strange." -- Rainer Maria Rilke

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1 hour ago, Marisawright said:

Have a read of the comments on that article I linked to.  While it all looks very positive in the reviews, the comments show that when things go wrong, it's not easy to get things sorted out.

That doesn't surprise me because most online businesses are the same.  Look at eBay, PayPal, Amazon, AirBnB etc.   All great when they work, but their customer service is faceless and frustrating to deal with.   Customer service at bricks and mortar banks can be appalling too, but at least you can march into a branch and create merry hell if all else fails!

I will more than likely have both,  it's good to have back ups. I have my ING set up and ready to go, got my card the other day, stil have HSBC global and MoneyCorp of course. So plenty of options for the time being, until it all gets sorted once we are back in Blighty. 🙂 

Edited by Vickie78

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Car is sold. Stuff listed on Facebook is pretty much flying out the door (a couple of things via Gumtree) Plane tickets booked. Just need to sort out Move cube (have two more boxes to pack and then done) and accommodation (still can't decide where to start) but we have decided to have a little Holiday before settling down and getting back into real life, as it's been a while between one of those. 

Nerves, excitement, anxiety and happiness all rolled into one right now. Breathe!! LOL

Edited by Vickie78
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8 hours ago, Vickie78 said:

Car is sold. Stuff listed on Facebook is pretty much flying out the door (a couple of things via Gumtree) Plane tickets booked. Just need to sort out Move cube (have two more boxes to pack and then done) and accommodation (still can't decide where to start) but we have decided to have a little Holiday before settling down and getting back into real life, as it's been a while between one of those. 

Nerves, excitement, anxiety and happiness all rolled into one right now. Breathe!! LOL

OMG! It's all happening! Good to hear that things are selling well!!!

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Cats are off tomorrow, found a lovely couple who are taking both together. I will miss them like crazy but can rest knowing they are going to a great home and they are going to stay in touch and keep me updated. 

Real Estate got my notice to Vacate on Monday - All good! , sent via Email. Check

Later that afternoon "You have an open inspection booked for 25th" via text, yesterday "Your open inspection is now advertised for xyz address" 9:20 on A Saturday.... NICE! (Not)

Anyhoo I looked up my rights as I thought, hold up this isn't quite right. I was correct. A) They are meant to ask me first (and I have to agree in writing) not just tell me, B) They are meant to negotiate a suitable time, again not just tell me. So I will be having words when they rock up this weekend. RUDE! 🤬 I have no issue with it, they need to find new Tenants, I get that. But no, you will not just tell me when and expect me to jump. Grrrr. 

Edited by Vickie78
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