How I feel when I’ve been asked if I know who the recipient is when I’m trying to transfer my own money:
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Well, at least I got my money, can’t say the same for the 13 minutes of my life I spent on the phone however…
As soon as the next switch offer comes I’m out.
(also found it funny that the person on the phone asked me what the recent £125 credit on my account was 
)
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“How did you get the account details f the account you’re transferring to”
- My card which is sitting right in front of me…
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Q: “can you tell me what is the likely outcome if this transaction turns out to be fraudulent?”
A: “There is a likelihood that the money will not be recoverable and I will lose it”
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Q Can you tell me the outcome of this transaction if it turns out to be fraudulent?
A We will have somehow slipped into a parallel universe because it is my account here but presumably that of my doppelganger there.
That’s the only reason I still have one open.
Opened last November for the switch bonus, and then twenty minutes on a security call when I tried to transfer that £125 to my own Monzo account.
Ludicrous. Told them so too, not that it would have any effect tbh.
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I have a sneaking suspicion that they block all payments to monzo … But I daren’t test it out… 
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We still have a joint account with Smile. Now only kept for paying in cheques and sending the money to Monzo, but they have never blocked a payment. Don’t know if it makes a difference that we’ve been with them for over 20 years so they have more history to look at.
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As you say, maybe its due to age of the account and setting up new payees and those being Monzo accounts… but it’s a pretty galling experience… Ive never had payments blocked with any other bank…
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i also had the existing payee flag as fraud. With me being the payee.
I had to go through the telephone call which asked questions like “did i coerce myself into making the payment” and “do i know what would happen if the transfer to myself turned out to be fraudulent”
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I am feeling terribly left out through not having any of these calls now!
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Did they also tell you that if someone was standing next to you telling you what to say to hang up immediately and call the police?
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Yep, that too!! Seemed out of place for £1 transaction, going to an account in my name, which had already payed into the co-op. . But hey, they assured me their fraud systems were working correctly…
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As if, in that situation, calling the police is something you’d easily be able to do 
.
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I think I probably can guess the answer, but…in coop bank app, can you see pending transactions?
Nope, you just see the value that’s pending but no list anywhere unfortunately.
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Latest drama with the co-op bank. I did a balance transfer to my co-op bank credit card. Fraud system activated. Have had to go into a branch twice to sort this. Was first asked to prove statements of my Halifax credit card where it came from, which I didn’t have. Second time was not asked for anything. Absolute utter joke.
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With things like that it makes you wonder why they bother to offer the transfers at all.
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I was thinking of them for a balance transfer. Couldn’t manage to go into a branch if they asked though as they closed the local one and the closest is probably a couple of hundred miles away.
The balance transfer I made was from Halifax, to clear my balance from the Co- operative bank - for some completely unknown reason, the payment they got in from Halifax (to clear my co op credit card balance) set off their fraud systems (!!!) God knows why. I had to go into their branch and jump through lots of hoops to tell them I was not in fact money laundering, so they’d credit the money to my co op account. Absolutely unbelievably bad service. I think they got their IT systems out of a skip somewhere.