I've had a few refunds from utilities providers and health insurers in the last few years. when I call them up the conversation invariably goes like this: Me: I'll give you my IBAN. Can you refund me that way? Them: No. Company policy is to issue refunds only by cheque. Me: It isn't convenient for me to go to a bank. A transfer is much easier. It isn't 1978. Them: We only issue refunds by cheque. They invariably post me a cheque which I then give to my father to lodge. He is retired and quite likes this kind of job. Anyway, the only reason I can think of is that some non-trivial percentage of people just don't bother lodging cheques, which is something that utilities and health insurers take advantage of. Is there any legal basis for me to insist on them refunding me by bank transfer?