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Surely the answer is "yes" based on your own direct experience here?I returned home from two weeks holiday yesterday to discover a strange transaction on my bank account last week, which turned out to be a cash withdrawal from my branch. Apparently someone with the same account number as me but in a different branch of the same bank (same county) made a cash withdrawal from my branch, and the teller incorrectly entered my sort code instead of theirs, resulting in the withdrawal coming out of my account.
- I know the combination of sort code and account number are always unique but in practice do banks actually have more than one account with the same account number?
I know the combination of sort code and account number are always unique but in practice do banks actually have more than one account with the same account number?
Seems a bit ridiculous, with 8 digits I would have thought each bank would have more than enough room to give every account a unique number?
Also, I'm thinking of asking the bank to give me a new account number. Would I have to go through the process of closing the account and opening a new one and transferring all my direct debits to do this or can the bank simply issue me a new account number?
And is it possible to ensure that the new account number is at least not the same as someone in the same county?
Surely the answer is "yes" based on your own direct experience here?
http://www.askaboutmoney.com/showthread.php?t=60302#15no two people have the same bank account no. Not even in different branches.
Thanks for that link, I reallly was under the impression that in all the major banks that your number was unique to you within that banking group. I realise that other banks could have the same a/c numbers but a different sort code would be necessary. You live and learn !
Thanks for that link, I reallly was under the impression that in all the major banks that your number was unique to you within that banking group.
. Based on that, I would say my account number IS unique to me within BoI.
That is not the only information they ask you for. You are also required to provide your 365 Online 6 digit ID.
...
With regard to to moving to 10 or 12 digit account numbers, the IT costs would be prohibitive. ...
.. In reality, the IT cost or complexity of storing, accessing, checking or reproducing an 8, 10, 12, 16 or even greater digits (or characters) for A/C references are minimal..
Maybe we are using different BoI 365 phone banking, but I am pretty sure that the automated system IDs me by asking for the 8 digit account number and then three random digits from my password.
BoI 365 online 6 digit ID is required for BoI 365 online banking.
If you were the 'owner' of an account number that has been re-used, you would have been broken out of the call to talk to an agent.
Your account is not always unique. Simple as !
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