Soon youâll be able to complete majority of task done in branch, online, they no longer have Banking Consultants in branches, Mortgage advisers pretty much all home working, no longer have passbooks even existing customer books going, they wonât need branches.
Theyâll have those flagship in London, and Manchester.
Soon? There is nothing that NEEDS to be done in a branch.
Well there clearly are. I had to visit one yesterday.
Now, did I technically have to visit? As in, was what I was doing possible online or over the phone? Yep. But the bank did not do it over the phone, so I had to visit.
So long as there remains things that the bank requires a visit for, closing branches is not good. They need to wholly be able to operate online before they do so.
Then you have those who do not have access to the internet, which will be reducing over time but they exist. They matter still, and have the right to access to banking as much as you do.
The problem with banking closures is that it becomes a very selfish game. We think just because we have never visited a bank in a while that we cannot comprehend why anyone would visit one, which is not how the real world works.
As posted directly above, thatâs not something that HAS to be done in branch. If HSBC closed all branches tomorrow theyâd have a way to provide ID online, etc.
Yes but thereâs a difference between a customer choosing to use a branch rather than online vs the bank mandating itâs done in branch.
I had no choice. Zero. It had to be in person by their policy.
Itâs unfair to close branches whilst having anything that mandates a branch visit. Thatâs what most of us are getting at. You seem to be thinking that anyone who goes into a branch is choosing over an alternative, when this is not true.
If HSBC closed all branches tomorrow for example, by their own policy nobody could open a second account or a joint account as both state a branch visit is required.
HSBC wanted to send me to branch to close my global account or something, I said no I wonât go, then it was magically done over the phone. 
Nah, I was playing Devilâs Advocate. If a bank was branchless theyâll provide ways to do everything without a branch.
Again weâre conflating things here - of course all these things can be done online or via telephone. The fact Monzo exists shows that banks donât need branches to exist.
The point, or at least mine is, is that banks still mandate these things are done in branch, and it shouldnât take you putting your feet down for it to happen in another manner.
I reiterate - Iâm not suggesting that there are technical barriers to anything being done outside of a branch visit, but if you are taking their policies as they are given to you, then you still have to visit branches for many things still.
But⊠surely theyâd just change the policy if they closed all the branches?
Of course. However they would need to have at least a decent interim period where both are available. Itâs too often forgotten that many people still exist who have always done banking in person, we cannot just forget about them. It might just be this forum given we are mostly fairly young or at least have almost always done banking online or via telephone but sometimes the sheer⊠lack of awareness or empathy with how others manage their money shocks me.
Just because you donât use a bank it does not mean others donât. Bank closures are inevitable, and Iâve rarely fought against them where suitable alternatives and assistance is there. However complete closure of all banks is still a long way off while we still have particularly vulnerable groups still requiring them (for various reasons) and not a decent alternative in place.
Ideally, something like a Post Office or central banking hub would work well and reduce costs.
I do feel that banks should be forced to provide some sort of collective hub type replacement service. Where I live has become a banking wasteland, all the banks up and left within a year of each other.
I have family who really struggle now because of this and they donât drive.
I suppose you could limit backlash and make it those banks who are required to have basic bank accounts. At least then you scoop up as many vulnerable folk as possible.
Chase bank now shows in the open banking section of the Lloyds app.
Just applied for a Halifax clarity credit card. Got the screen saying application was successful, and the card would be posted in the next few days - but before I could scroll down and view the âhere are the details of your new cardâ, I immediately got error âyouâve been logged out, sorry a technical error has occurred. Please return to login and try againâ. Does anyone know what should have been shown if Iâd have scrolled down that page please? I know my limit and purchase rate, but thatâs all I know. Guessing anything relevant will be confirmed in the post. Thank you
What did Halifax support say?
Also, @AlanDoe
The chat bot had a credit card option, but the agent said Iâd have to call as the relevant team is telephone only. Iâm guessing all I need to know will be confirmed in the post, but was wondering if a recent applicant who was able to scroll on that final page could confirm please?
What does it matter?
Just wait til you get the card and information pack. You know your limit and rate, card and pin within 5 working days.
I donât know what kinds of things they tell you on the acceptance screen, and was unsure if the postal pack will contain all the information or not. I suppose it probably should do, but this is what I was trying to check. Happy to wait for the pack to arrive, but not possible to know if they show the same things from the pack alone if that makes sense.
There wonât be anything critically important on the acceptance screen, it just says youâve been approved and the account will show soon (or thatâs what it said when I opened a current account in the app at least). Online the credit card application confirmation says a similar thing. Thereâs not really a lot to know anyway, the card will show in the app and the card comes with the leaflet about the credit agreement.