The last time someone looked uncomfortably at a Scottish £10 note I said I might have an Irish £9 note in my wallet. The Bank confirmed we are holding onto 124 million old paper £5 notes worth around £620m and 122 million paper £10 notes worth around £1.22bn. And it's causing even more confusion on the high street with even Judy Murray venting about having her £10 note rejected at a London coffee shop in February - being told by the owner "we only take British ones". If it says 'Sterling' on the note (which I believe Scottish money does) then it is legal tender. Most seem happy to accept Scottish notes, certainly in the north of England. Of the 1,710 people asked, a fifth said they were fake. Sometimes they’ll include recommendations for other related newsletters or services we offer. I recently found an old Edward Elgar £20 note. In June 2018, it was announced that Clydesdale Bank's holding company CYBG would acquire Virgin Money for £1.7 billion in an all-stock deal, and that the Clydesdale Bank, Yorkshire Bank and B brands would be phased out in favour of retaining Virgin Money's brand. Whistleblowing is when an employee reports suspected wrongdoing at work. Our. But the truth is that English banknotes aren't legal tender in Scotland either - so next time you reject a Scottish note, think about how you'd feel if they turned down yours, too. Banknotes are issued to £5, £10, £20 and £50 by the Bank of England, with some Scottish banks also issuing £1 and £100 notes. These services are available to Santander UK customers. The Scottish banks issue notes in denominations of £5, £10, £20, £50 and £100.Only the Royal Bank of Scotland continues to issue a small volume of £1 notes. That Scottish or Ulster businesses will accept them in their respective territories as a matter of course does not change the legal status of the banknotes. deposit cash - up to 50 notes at a time; deposit cheques - up to 30 at a time; change your PIN; transfer money between your Santander accounts; pay bills and people if you've set them up previously. With our touchscreen machines you can: These services are available to Santander UK customers. In fact if a shop refused to take a Scottish/Northern Irish/ Guernsey note that I was trying to spend I'd take my business elsewhere! Clydesdale Bank issued the first plastic Scottish £10 note, featuring the poet Robert Burns on the reverse, followed by RBS and Bank of Scotland. Shops and anybody else can choose whether to accept Scottish notes or not. The Bank of England is a 'prescribed person;, which means that you can make a whistleblowing disclosure about the Scottish and Northern Ireland banknote regime to us instead of your employer. It’s possible to order some 70 different currencies online, for delivery to your home. We exchange these modern Royal Bank of Scotland notes free of charge. I offered him exact change in English money or a Scottish £20 note. The Post Office may also accept withdrawn notes as payment for goods and services, or as a deposit into any bank account you can access at the Post Office. Post Office - All Post Office branches will accept the notes as a deposit into any main UK bank account even after the notes cease to be legal tender. I work in a busy town centre bar and we take anything (Euros included!). If you want the equivalent cash you can then withdraw it from your account. It means that if you are in debt to someone then you can’t be sued for non-payment if you offer full payment of your debts in legal tender," the Bank of England explains. "The acceptability of any means of payment, including banknotes, is essentially a matter for … In England, businesses do not legally have to accept Scottish bank notes - however the majority will, providing they recognise them. This was all demonstrated to me by an assistant in the branch, but one £20 note had to be exchanged, the machine wouldn't accept it. Traders have to pay a coin-handling fee to put money in or to take it out, and if you are friendly with a supermarket or other small shop owner who constantly needs change, that person might welcome your coins as a means of saving him a few quid. Notes with special sequences, such as 888888, can also be collectible. How to exchange paper £10 notes Non-customers can exchange their banknotes at the respective issuing bank up to a limit of £250. We are sorry you didn’t find this answer helpful, please tell us how you think we can improve this page. Nearly a quarter of respondents (23%) said they would reject the note if handed one. Scottish notes are legal tender in England and so all shops and banks, etc should accept them. Collectors generally seek out notes with low serial numbers – starting with AA01 – as these are the earliest of their kind to be printed. 0 | Share . However, most shops in England will accept them. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. The Bank of Scotland's new polymer £20 notes don’t be feature any new people or landmarks, but they do give the images of the existing note's fixtures an update. Santander UK plc. You can change your PIN at any of our cash machines in the UK or a LINK cash machine. Cash and cheques paid in at our touchscreen machines take the same amount of time to clear as those paid in over the counter. In 2017, just weeks after the launch of the Bank of England's new £10 note, three Scottish banks released their own plastic tenners. Savvy cash flow management can make all the difference to your bottom line. Remember - stay aware, stay safe. However, if you’re not a customer or don’t have a branch nearby, the Post Office will allow customers of a bigger range of banks and building societies to deposit notes into their current account, including: The majority of banknotes circulating in Scotland are issued by Scottish banks and are accepted quite freely in Scotland and across the UK. If it says 'Sterling' on the note (which I believe Scottish money does) then it is legal tender. While the phrase "legal tender" is used a lot, it actually means very little. Non-Santander UK customers can withdraw cash, request on-screen balances and print receipts. Issuing banks will continue to accept all Scottish notes from their own customers, which can either be either deposited into their account or exchanged for polymer versions. Can Scottish Mortgage keep climbing? But you do get a few ignorant people who just don't know this! When you subscribe we will use the information you provide to send you these newsletters. Santander have a couple of different options, if you need to get your travel money. All Royal Bank of Scotland and Ulster banknotes (as with all Scottish and Northern Irish banknotes) remain legal currency, will not be withdrawn from circulation in the same way as the Bank of England notes, and have no end date for acceptance. Post Office - All Post Office branches will accept the notes as a deposit into any main UK bank account even after the notes cease to be legal tender. Registered Number 2294747. Royal Bank of Scotland, Clydesdale and Bank of Scotland have also agreed to exchange their own paper £5 and £10 notes from non-customers up to the value of £250. Three banks in Scotland are authorised to issue notes: Bank of Scotland, Clydesdale Bank and Royal Bank of Scotland. 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You must know your original PIN to change a PIN. In total that means we’ve got almost 250 million notes worth £1.84bn that legally shops don’t have to accept when you try to use them. Now his hopes of returning in 2021 are said to have been dashed. Telephone 0800 389 7000. The Bank of England is a 'prescribed person;, which means that you can make a whistleblowing disclosure about the Scottish and Northern Ireland banknote regime to us instead of your employer. I recently found an old Edward Elgar £20 note. According to the Censuswide survey, one in six people thought the notes were now out of circulation while one in 10 were unsure of the exchange rate between Scotland and England. I'm aware that you can send them to the Bank of England but that seems like alot of fuss as I have read in various places online that some people have been able to put them into their Lloyds TSB account after the changing deadline, I was wondering if this was still possible and if it would work at Santander as thats where my account is? No, you do not have to accept them in your change either. Report Reply. In England, businesses do not legally have to accept Scottish bank notes - however the majority will, providing they recognise them. Investment fees, charges and key documents, check and print balances and mini statements, transfer money between your Santander accounts. All the Scottish banks are allowed to issue their own notes, but only Royal Bank of Scotland, Bank of Scotland and Clydesdale do. The Scottish banks issue notes in denominations of £5, £10, £20, £50 and £100.Only the Royal Bank of Scotland continues to issue a small volume of £1 notes. ... Santander cuts benefits on 123 account Some banks including Bank of Scotland, Barclays, Halifax, HSBC, Lloyds, NatWest, Royal Bank of Scotland and Ulster Bank will allow customers to deposit old paper notes. Many major banks will allow you to deposit old notes if you are a customer – Bank of Scotland, Halifax, NatWest, Lloyds, Royal Bank of Scotland, Santander and Ulster Bank have confirmed to us this week that they're still accepting old fivers and old tenners. Arctic freeze: Met Office issues five new warnings for snow with 6 inches expected after -10C night- will it fall in your area? £1 and £2 coins are, fortunately, legal tender up to any amount at all. In 2007, the Edinburgh-based Bank of Scotland replaced older style Scottish Pound Sterling bills with a new set of banknotes called The Bridges Series . Once your PIN is unlocked you can use your card immediately. And, you can always exchange withdrawn notes with us. Nationwide, Santander and TSB told The Sun that customers can deposit - not exchange - notes at their branches. Non-Santander UK customers can withdraw cash, request on-screen balances and print receipts. The age-old argument about English establishments not accepting Scottish paper money has been put to the test - and many of us claim they're fake, Get our money-saving tips and top offers direct to your inbox with the Mirror Money newsletter. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. You can also use your Santander debit card with no charge at Santander ATMs in Spain (adult accounts only). Convert your leftover withdrawn Bank of Scotland banknotes to cash using our hassle-free online exchange service. Scottish issuing banks will accept paper notes in pay-ins from customers. The polymer £20 notes, which went into circulation in February, replaced the old paper notes, leading many to question when the old currency will expire. Cash of less than £20 will be exchanged for polymer notes. pay bills and people if you've set them up previously. Santander is the latest bank to introduce voice recognition security checks, already used by Bank of Scotland, Barclays, First Direct, HSBC, Halifax and Lloyds. If you can remember your PIN, you can unlock it at any of our UK cash machines or a LINK cash machine. For example, your bank card is certainly not legal tender, but lets you pay for things – and the same goes for cheques, contactless devices and more. I'm aware that you can send them to the Bank of England but that seems like alot of fuss as I have read in various places online that some people have been able to put them into their Lloyds TSB account after the changing deadline, I was wondering if this was still possible and if it would work at Santander as thats where my account is? Cheque deposits: cash machines in closed branches aren’t accepting cheque deposits at this time. Scottish issuing banks will accept paper notes in pay-ins from customers. A business can choose what payment they accept. Thanks. The only legal tender currency in the UK is that issued from the Bank of England, but businesses generally accept the Scottish & Northern Irish notes. Issuing banks will continue to accept all Scottish notes from their own customers, which can either be either deposited into their account or exchanged for polymer versions. And you do not have to accept them in your change either. Many banks will accept withdrawn notes as deposits from customers. "Every Scot who travels south has a story about their money being turned down or looked at sceptically," said Scottish Liberal Democrat deputy leader, Alistair Carmichael. For example Scottish notes are not legal tender anywhere in the UK, but they are legal currency and I would encourage shops keepers to accept them." According to the Royal Mint, coins worth less than £1 are only legal tender up to a certain limit. You can unsubscribe at any time. If you hand over a £50 note to pay for a banana in your local grocery store, the staff are within their rights to choose not to accept it. Some banks also want you to deposit the money into your account rather than simply give you notes for the coins over the counter. However, the rules could soon change as an MP has now lodged a bill in the House of Commons calling for banknotes from Scotland to be accepted throughout the UK. I still like the look of the Bank of Clydesdale €20 notes. Hundreds of people living in England consider Scottish bank notes to be fake, according to a new report. In a survey that placed notes from the Bank of Scotland, Royal Bank of Scotland and Clydesdale Bank in front of 1,710 people, a third said they were counterfeit while three in four could not tell what country they were from. The best use of Scottish notes I have had so far was on an Easyjet flight from Stansted to Amsterdam where the (Edinburgh-based) cabin manager announced jokingly "We'll only be taking Scottish money on this flight" to the front row. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. And, you can always exchange withdrawn notes with us. In England, businesses are not forced to accept bank notes printed by the seven Scottish and Northern Irish banks. I know you have to sort them into amounts for their money bags, but will I be able to cash all this in in one trip, or do they only allow a certain amount at a time? The Royal Mint explains the 'legal tender' phrase is a narrow technical term referring to the settlement of debts, and in ordinary transactions both parties can agree to accept "any form of payment". The Bank of Scotland's new polymer £20 notes don’t be feature any new people or landmarks, but they do give the images of the existing note's fixtures an update. The Scottish note issuing banks will continue to accept old paper based notes and there are currently no plans to change this.” Polymer notes now … - See 23 traveler reviews, 2 candid photos, and great deals for Brighton, UK, at Tripadvisor. You can post your cheque to your local branch, or deposit at the Post Office®, We're making changes to how we show your account balance at the cash machine. How to exchange paper £10 notes RBS/NatWest has said it will continue to accept old £10 notes from its own customers after March 1. Whistleblowing is when an employee reports suspected wrongdoing at work. You can choose from the following: Order foreign currency online. While not legal tender, they are UK Parliament-approved legal currency, which makes them a perfectly acceptable way to pay. Yes, as a NatWest Bank customer you can swap, or deposit into your account, out of circulation coins/notes and replace them with new ones. A note’s serial number, printed to the right of the Queen’s head, is typically what separates a rare note from a common one. Registered in England and Wales. All the Scottish banks are allowed to issue their own notes, but only Royal Bank of Scotland, Bank of Scotland and Clydesdale do. The Grimsby lad waltzed away from the BBC show back in 2019 with the goal of pursuing West End fame, only for the Covid pandemic to ruin his plans. I work in a busy town centre bar and we take anything (Euros included!). It's currently rolling out the service and says all customers will be able to use it by June – but you can activate it now by calling 0800 9123 123. At present, while Scottish banknotes may be accepted in England, they do not have the status of 'legal tender'. Thanks. Carmichael wants to encourage businesses across the UK to recognise and accept Scottish banknotes with his legal tender bill. All non Bank of England notes are issued as part of legal stature; any banking institution/bailiwick who is issuing its own notes is required to hold the exact amount in Bank of England issued notes - this is why there are Giant (£1M) and Titan (£100M) BoE notes - hence whether a Gibraltar, Scottish or Manx Pound, it is still worth £1 Sterling. These banknotes are a valid means of payment in Scotland, but they are not legal tender in other parts of the United Kingdom. Martin went on to add: "Briitsh bank notes … In fact if a shop refused to take a Scottish/Northern Irish/ Guernsey note that I was trying to spend I'd take my business elsewhere! The Bank does not expect all old £10 notes to be returned, because some will have been destroyed, gone overseas or kept as memorabilia. Take a look. Get paid fast for your unused currency from Scotland. What products does Santander offer to get your holiday money sorted. Scottish notes are generally accepted by the large retailers, but as a rule of thumb the further south of the border you go the less likely it is, not surprisingly. Absolutely no problem with any note that states Sterling on it. 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Collectors generally seek out notes with low serial numbers – starting with AA01 – as these are the earliest of their kind to be printed. By commenting you agree to our terms & conditions and community guidelines. The Post Office may also accept withdrawn notes as payment for goods and services, or as a deposit into any bank account you can access at the Post Office. Notes with special sequences, such as 888888, can also be collectible. And you do not have to accept them in your change either. If they are not the owner and have been told not accept £50 notes, ... Santander's 123 Lite Account will pay up to 3% cashback on household bills. Note the comments above about getting Bank of England notes from non-Scottish bank ATMs in Scotland. Non-customers can exchange their banknotes at the respective issuing bank up to a limit of £250. Whistleblowing and Scottish and Northern Ireland banknotes. The good news is that coins from the Royal Mint do have legal tender status north of the border - to a certain extent. We withdrew cash from an HSBC ATM in Glasgow and they were Bank of England. Or to put it another way, the power of the big three Scottish banks to issue bank notes does not degrade the Bank of England's important power to control the supply of money for the whole UK. I smashed my Terramundi Pot open yesterday, and i have £350 in a mix of notes, £1 and £2 coins, and 50p, 20p, 10p, 5p, 2p and 1p coins. Santander and the flame logo are registered trademarks. No. In England, businesses are not forced to accept bank notes printed by the seven Scottish and Northern Irish banks. explains more about how we use your data, and your rights. If you’ve forgotten your PIN, you can view your PIN in the app. "Legal tender has a very narrow and technical meaning, which relates to settling debts. So while you might not be allowed to pay a parking fine in pennies, you could buy a house with a bathtub of pound coins if you liked – although it would weigh almost two tonnes. Always be aware of your surroundings and shield your PIN when you use any cash machine. Absolutely no problem with any note that states Sterling on it. Clydesdale Bank is a trading name used by Clydesdale Bank plc for its retail banking operations in Scotland.. DAMAGED banknotes are often thrown away but there’s a way to get your money back. I regularly travel between England and Scotland. A note’s serial number, printed to the right of the Queen’s head, is typically what separates a rare note from a common one. Your card PIN can be locked if you get it wrong several times when you’re trying to buy something in a shop. Unused currency from Scotland n't legally have to accept them still like look. No problem with any note that states Sterling on it it at any of UK. 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