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SMBC Comics Forum • View topic - Banking in Canadia (new input needed)

Banking in Canadia (new input needed)

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Moderator: GreenCrayon

Re: Banking in Australia

Postby DonRetrasado » Sat Jan 22, 2011 2:21 am

Maybe they tried to make another transfer after the first one messed up.
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Re: Banking in Australia

Postby Simon. » Sat Jan 22, 2011 3:18 pm

Australia trades in Dingos, mainly. I generally cash my Dingos the moment I get them, I tried having them sent automatically to my account but the mess was terrible, some people pay extra fees to deal with that but I just prefer to avoid it.

People ask if dingos make good pets, but noone holds onto them long enough to find out. The banks get annoyed if you keep getting your money coming back as well. Although there have been some majorly successful scams using that method!

I am an Australian and I know things.
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Re: Banking in Australia

Postby Astrogirl » Sat Jan 22, 2011 4:09 pm

/me adds "Dingos" to the specification of the online banking software.
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Re: Banking in Australia

Postby Sahan » Sun Jan 23, 2011 6:54 am

My bank account stole my baby!
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Re: Banking in Australia

Postby Astrogirl » Sun Jan 23, 2011 3:08 pm

How did it achieve that?
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Re: Banking in Australia

Postby Lethal Interjection » Sun Jan 23, 2011 6:10 pm

Sahan, it isn't stealing if you mortgaged the tyke and then didn't pay the bills.
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UK perspective

Postby Diem » Mon Feb 07, 2011 8:24 pm

UK banks have adopted the confirmation process in a few different ways - I can refer to two (for the two banks I use), there may be more.

For my main bank I had to register my mobile number with them (via their call centre). When I want to make an online payment to a new beneficiary, they text (SMS) me a code which I have to enter to enable the set-up. After that I can pay to that recipient whenever through my normal log-in.

You referenced not wanting to leave your mobile with your husband - I can see my wife's account and transactions, but am not authorised to make payments from it. If she wants to make new electronic transfers then she could register her own mobile, but she can't be bothered and just writes cheques, or if it's a company gets a Direct Debit set up or pays via phone.


My other bank adopts a similar approach, however you register a few phone numbers with them (work, home, mobile etc). When you want to make an online payment they ask you to choose a phone number, which they then ring you on. At the same time a code appears on the screen, and you have to enter it down the phone. All automated.

This bank also tries to circumvent keyloggers by requiring a second-stage verification, with a separate password, but only asking for three characters from it. These must be chosen from a drop-down, which doesn't respond to keystrokes.
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Re: Banking in Australia

Postby Astrogirl » Mon Feb 07, 2011 11:06 pm

What you describe for the first bank matches the American online banking software that I was adapting for the Australian market ... well mostly adapting to work with our core-banking back-end, but also preparing it for a demo to an Australian customer.

My husband and me do not have separate accounts, we have a shared account.
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Re: Banking in Australia

Postby Astrogirl » Fri Jul 08, 2011 5:17 pm

crogression? !
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Re: Banking in Australia

Postby smiley_cow » Fri Jul 08, 2011 6:04 pm

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Re: Banking in Canadia (new input needed)

Postby Astrogirl » Fri Jul 08, 2011 7:19 pm

Thanks.

What's GST?
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Re: Banking in Canadia (new input needed)

Postby smiley_cow » Fri Jul 08, 2011 9:00 pm

Oh sorry, Goods and Services Tax. It's my returns for my income taxes.
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Re: Banking in Canadia (new input needed)

Postby Astrogirl » Fri Jul 08, 2011 10:35 pm

Isn't Good-and-Services Tax like Sales Tax in the US and VAT (Value-added Tax) in the UK? How can you get that back?
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Re: Banking in Canadia (new input needed)

Postby smiley_cow » Fri Jul 08, 2011 11:11 pm

The way it works out I get money when I file my income tax instead of paying money. It's because I don't earn much but I'm still working. If I earned more money I'd be paying more to the government than I was getting back.
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