Paying a bill using Bank Giro Credit FOR FREE (2024)

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pauby Posts: 14 Forumite

15 February 2012 at 12:25PM in

I've just been to the Post Office to pay a bill by Bank Giro Credit and they wanted to charge me £2.75 for the privilege. I have never paid this way so didn't know that there was a charge.

The receiving bank is Alliance & Leicester.

I bank with the Lloyds but the reason I want to pay by BGC is that the receiver not know ANY of my bank details and if I pay through them they may be linked with it?

Can somebody tell me:

1. Anywhere to make free BGC payments (otehr than my bank and the receiving bank)?

2. There are no Alliance & Leciester branches around, and in fact I thought they had bought Girobank (is this part of the PO now?) so I can't use them as a bank to visit and pay through.

3. If I go to my bank and pay will they link my account details to the BGC?

Thanks in advance for the help.

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  • dzug1 Posts: 13,535 Forumite

    Paying a bill using Bank Giro Credit FOR FREE (3)Paying a bill using Bank Giro Credit FOR FREE (4)

    15 February 2012 at 12:38PM

    You could try Santander - who own Alliance and Leicester.

    But I have a feeling they may still charge

    Whether if you pay at your own bank it will get linked up to your own account - depends on whether they process it as a BGC (probably not) or do a bank transfer (then possibly)

  • Lovelyjoolz Posts: 1,070 Forumite

    15 February 2012 at 12:51PM

    Why not pay by postal order instead? Buy the postal orders from Post Office and send them in the post.

    You had me at your proper use of "you're".

  • dzug1 Posts: 13,535 Forumite

    Paying a bill using Bank Giro Credit FOR FREE (7)Paying a bill using Bank Giro Credit FOR FREE (8)

    15 February 2012 at 12:56PM

    Postal orders are expensive* - OP wants to do it for nothing

    *12.5% of the face value, within limits.

  • pauby Posts: 14 Forumite

    15 February 2012 at 1:09PM

    dzug1 wrote: »

    Postal orders are expensive* - OP wants to do it for nothing

    *12.5% of the face value, within limits.

    You beat me to the answer ...

  • pauby Posts: 14 Forumite

    15 February 2012 at 1:10PM

    dzug1 wrote: »

    You could try Santander - who own Alliance and Leicester.

    But I have a feeling they may still charge

    Whether if you pay at your own bank it will get linked up to your own account - depends on whether they process it as a BGC (probably not) or do a bank transfer (then possibly)

    That was my fear - they do a bank transfer instead as no doubt it will be cheaper for them.

  • opinions4u Posts: 19,411 Forumite

    15 February 2012 at 2:25PM

    Here you are online.

    Do you have online banking? Could you get it?

    Why not pay the bill in a 21st century way?

  • notts_phil Posts: 1,087 Forumite

    15 February 2012 at 2:28PM

    You are wrong.

    If you pay by BGC at your own bank with cash the cashier will stamp it and send it as a bgc.

    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam

  • pauby Posts: 14 Forumite

    15 February 2012 at 5:04PM

    opinions4u wrote: »

    Here you are online.

    Do you have online banking? Could you get it?

    Why not pay the bill in a 21st century way?

    Please read the message. It answers your sarcastic question.

  • pauby Posts: 14 Forumite

    15 February 2012 at 5:05PM

    notts_phil wrote: »

    You are wrong.

    If you pay by BGC at your own bank with cash the cashier will stamp it and send it as a bgc.

    But you will need to prove you are with that bank for it to be free and I assumed, like one of the previous poster, they woudl then link my details to it by doing a bank transfer instead, for example.

    Rather than speculate, maybe I should try this.

  • Mikeyorks Posts: 10,377 Forumite

    Paying a bill using Bank Giro Credit FOR FREE (16)Paying a bill using Bank Giro Credit FOR FREE (17)Paying a bill using Bank Giro Credit FOR FREE (18)

    15 February 2012 at 5:15PM

    pauby wrote: »

    they woudl then link my details to it by doing a bank transfer instead, for example.

    No. You're paying with a BGC payslip .... that is the way it will go through.

    If you want to test the depth of the water .........don't use both feet !

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