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  #21  
Old 30.01.2015, 12:50
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Re: CH banking is awful

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Or, you scan it with your phone or pay-pen.

Tom
Yes indeed, a great alternative at only CHF 208.
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  #22  
Old 30.01.2015, 12:50
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Re: CH banking is awful

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Or, you scan it with your phone or pay-pen.
Me spend money to make life easier for the health insurance company? That's not going to happen.
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  #23  
Old 30.01.2015, 12:56
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CH banking is awful

We got a letter back in November saying that UBS was going to stop taking our direct monthly payments for our UBS credit cards and that we would have to do them ourselves.

Maybe this is the issue why the payments were never made?
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  #24  
Old 30.01.2015, 13:25
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Re: CH banking is awful

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Yes indeed, a great alternative at only CHF 208.
It was only 99 when I got it.

And the smartphone APP is free.

Tom

Last edited by st2lemans; 30.01.2015 at 13:56.
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  #25  
Old 30.01.2015, 13:53
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Re: CH banking is awful

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......There are a lot of things I don't miss from the UK but customer service and banking products is not one of them. CH is 30 years behind in the area, which is extremely strange for a country which is renowned for their banking .

Am I the only one? Is it just UBS?
Slightly off-topic perhaps, but it might cheer you up to know that when we arrived in 1980 swiss banks still didn't have cheque books, nor bank cards, let alone such an advanced concept as a cash dispenser!

If you wanted to pay a bill you went into the bank, queued to take out a shed load of money, trotted along to the nearest Post Office and queued up again to pay there (which might explain why so many people have accounts with Swiss Post, one less queuing opportunity)!
The novelty of paying bills from your bank account finally became possible a few years later and even then you had to trot around to your local branch with a pile of pink/orange slips for anything that wasn't a regular amount (such as your rent), for that I think it was possible to set up a standing order.

Lost many a happy hour like this, how I miss it..... and it always puzzled me that given the odds that anyone coming out of a bank/going into a post office was probably carrying a fair amount of cash there weren't more muggings!
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  #26  
Old 30.01.2015, 13:57
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Re: CH banking is awful

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Slightly off-topic perhaps, but it might cheer you up to know that when we arrived in 1980 swiss banks still didn't have cheque books, nor bank cards, let alone such an advanced concept as a cash dispenser!

If you wanted to pay a bill you went into the bank, queued to take out a shed load of money, trotted along to the nearest Post Office and queued up again to pay there (which might explain why so many people have acco unts with Swiss Post, one less queuing opportunity)!
The novelty of paying bills from your bank account finally became possible a few years later and even then you had to trot around to your local branch with a pile of pink/orange slips for anything that wasn't a regular amount (such as your rent), for that I think it was possible to set up a standing order.

Lost many a happy hour like this, how I miss it..... and it always puzzled me that given the odds that anyone coming out of a bank/going into a post office was probably carrying a fair amount of cash there weren't more muggings!
My grandmum, like many elderly people, is still paying her bills this way!

She has a bank card, hidden somewhere at her place as she thoroughly distrusts it she would be lost without her yellow post account book
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  #27  
Old 30.01.2015, 13:59
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Re: CH banking is awful

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Slightly off-topic perhaps, but it might cheer you up to know that when we arrived in 1980 swiss banks still didn't have cheque books, nor bank cards, let alone such an advanced concept as a cash dispenser!
In '86, they did, whereas in the US there were no bank cards or cash machines at the time (but they did have drive-thrus).

Banking here is far more advanced then in the US where they still don't even have IBANs.

Tom
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  #28  
Old 30.01.2015, 14:05
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Re: CH banking is awful

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In '86, they did, whereas in the US there were no bank cards or cash machines at the time (but they did have drive-thrus).

Banking here is far more advanced then in the US where they still don't even have IBANs.

Tom
We've had plastic cards and cash dispensers in England since at least 1974; I remember the thrill of opening my first bank account after I started work and being personally interviewed by the bank manager in his office before he handed them over.
The cash dispenser was put into the window of a Georgian building on the market place and you had to climb up several steps to get to it.... so everyone knew exactly what you were doing.
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  #29  
Old 30.01.2015, 14:06
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Re: CH banking is awful

I love UBS. I just keep spending money and they haven't told me to stop yet.

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  #30  
Old 30.01.2015, 16:25
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Re: CH banking is awful

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I've read that statement a few times now in the context of the thread, and I'm still struggling to understand what the bloody hell it has to do with anything??!
LOL, it has to do with the fact that so often, people on EF complain of poor customer service, and the 'culprit' is not Swiss at all. Now in this case, we have brilliant service from the UBS, first the local guy who then retired, and now his replacement, who is not local at all.

And also mentioned, because of 2 more really positive points. A/ that is is truly possible to not be Swiss born and educated (although he did part of his educ here), the son of immigrants who arrived here in very difficult circumstances, and become a bank manager (despite what some here on EF might say about discrimination, etc), and also B/ that should anyone wish to talk to a bank manager who will understand their language and culture- he would be the perfect guy.

Last edited by Odile; 30.01.2015 at 18:01.
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  #31  
Old 30.01.2015, 16:41
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Re: CH banking is awful

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A/ that is is truly possible to not be Swiss born and educated (although he did part of his educ here) and become a bank CEO (despite what some here on EF might say about discrimination, etc),
FTFY - just ask Brady Dougan


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B/ that should anyone wish to talk to a bank manager who will understand their language and culture- he would be the perfect guy.
Hrmmm - don´t ask Brady Dougan
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  #32  
Old 30.01.2015, 17:56
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Re: CH banking is awful

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Or, you scan it with your phone or pay-pen.

Tom
Take at good look at the scanned result though, since the reference number doesn't have a checksum. I had a friend who went through a really miserable experience with UBS after a payment went astray that he'd scanned through the app.
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  #33  
Old 30.01.2015, 18:01
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Re: CH banking is awful

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Take at good look at the scanned result though, since the reference number doesn't have a checksum.
Yes it does (the final digit).

But I also had a scan once that read one number wrong, and the check sum still matched!

Tom
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  #34  
Old 30.01.2015, 18:18
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Re: CH banking is awful

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Yes it does (the final digit).

But I also had a scan once that read one number wrong, and the check sum still matched!

Tom
I stand corrected and will change my quote:

...since the the reference number has the world's worst checksum.
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  #35  
Old 30.01.2015, 18:46
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Re: CH banking is awful

The only aspects of Swiss banking that I don't like are
  • Not having a debit card you can use online
  • The speed of payments. In the UK they have faster payment which are practically instant at any time of the day even on a weekend or a bank holiday.
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  #36  
Old 30.01.2015, 19:05
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Re: CH banking is awful

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We've had plastic cards and cash dispensers in England since at least 1974; I remember the thrill of opening my first bank account after I started work and being personally interviewed by the bank manager in his office before he handed them over.
I remember in the late 80s when they were trying to encourage more people to use cash machines. On the back of each transaction receipt was an offer, in conjunction with Burger King, for free fries, drink or even a burger. I learnt I could withdraw £100 in £10 goes and then use the cash deposit function to get 11 free items (11 receipts) while withdrawing and then depositing my cash.

I'd just started Uni and this was great fun. After almost a fortnight of eating for free the local Burger King banned me!!
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  #37  
Old 30.01.2015, 19:11
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Re: CH banking is awful

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I remember in the late 80s when they were trying to encourage more people to use cash machines. On the back of each transaction receipt was an offer, in conjunction with Burger King, for free fries, drink or even a burger. I learnt I could withdraw £100 in £10 goes and then use the cash deposit function to get 11 free items (11 receipts) while withdrawing and then depositing my cash.

I'd just started Uni and this was great fun. After almost a fortnight of eating for free the local Burger King banned me!!
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  #38  
Old 30.01.2015, 19:14
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Re: CH banking is awful

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After almost a fortnight of eating for free the local Burger King banned me!!

That's because you couldn't fit through the door any longer !!

(Why did Burger King care anyway, they were getting re-imbursed by the bank one presumes)
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  #39  
Old 01.02.2015, 14:55
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Re: CH banking is awful

I'm really surprised you have had a bad experience with UBS - personally I think the online banking service is excellent - much better than anything I have experienced in other countries (UK, Germany and USA).
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  #40  
Old 01.02.2015, 15:58
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Re: CH banking is awful

Lack of faster payments is complete different beast, pay today and see the payment go through whenever it feels like it. Maybe later today, maybe tomorrow

I also don't see the need why I need to sign and send a direct debit form to UBS to setup a new direct debit. Why not let me do it online with no hassle?

It all leaves a lot to be desired compared to UK level of services.
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