Using bank transfers in the full current account has highlighted some gaps to me:
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There is no confirmation screen to check the recipient details and reference are correct. I would expect to be able to review before committing the transaction.
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When entering the sort code and account number it would be good if (a) the bank and branch for the sort code was displayed and (b) a modulus check was performed to check the account number exists. Whilst this doesn’t guarantee the customer hasn’t made an error it does mitigate the risk.
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It should be possible to set up a new payee without making a payment.
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It would be useful to be able to list all the payments to each recipient with a running total (as with card transactions).