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Egypt Tours

Pay By Bank Transfer
What is it?

An electronic payment directly to or from your trading partner’s bank account. The payment is funded by cleared funds in a bank account (in other words a bank-to-bank transfer/payment).
 
bank transfer

You can also pay cash or cheque over the counter at your own bank.

You can also pay cash or cheque or at any branch of the seller’s bank (this may attract a fee – so check first). This is termed a ‘Bank Deposit’ by eBay.

Is It Safe?

YES. When you send someone a personal cheque/check, that has your bank account number, sort code and a copy of your signature. Have you ever been defrauded by sending a cheque?

When you give someone your bank account number and sort code, there are only two things that someone can do with them

a. Make a payment to your account. They cannot access your account directly to remove funds unless you also give them your internet banking password, security details etc – and why would you want to do that?

b. Set up a Direct Debit. You are protected by the Direct Debit Guarantee against unauthorized Direct Debits. In the very unlikely event of this happening, inform your bank and they will return the funds and recover them from the fraudulent party. They will also pass on the fraudster’s receiving bank details to the relevant Law Enforcement Agency.

When programs like the News and Watchdog refer to ‘Bank Details’ they are not referring to the account number and sort code, but ALL the details necessary to access funds in your account. They have a propensity to scaremonger.

How Long Does it Take?
bak transfer
Domestic transfer 
– between accounts of the same bank: instantaneous, or nearly instantaneous.
– between accounts of different banks: up to 3 working days.

International Transfer
Varies: check with your bank for incoming payments, but likely 3-5 working days 
 
Why use Bank Transfers as a Payment Method?

As a seller, the money goes straight to your personal bank account with no fees deducted by your bank (Business Users, check with your bank for any relevant fees).
The money can not be withdrawn without your permission, so there is no chance of a payment reversal (after the end of the current working day and then ONLY with your permission) or chargeback.
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