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Scottish Money

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34D

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I don't often experience any difficulty in spending Scottish notes in England.

But it may be helpful to know that the 'self-service' check out tills in supermarkets and other shops also accept these notes, which might sometimes be a convenient way of getting rid of one for a low-value purchase and receiving change in English coins and notes.

Good tip sir. Conversely, I tried to pay one in using an automated paying in machine at Lloyds Bank and the note (forget where from now) was rejected.

I was offered a £10 northern Irish note as payment for a £3 bus fare (myself driving the bus, in Yorkshire) recently, which I cheerily accepted.

Do any of the British Isles banks produce a £100 note (or anything larger)?
 
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Liam

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There are exactly three - RBS, Bank of Scotland and Clydesdale.

The last named introduced plastic fivers last week I have yet to see one.

Aren't they only a limited release to mark the 125 birthday of the Forth Bridge?
 

Murph

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Do any of the British Isles banks produce a £100 note (or anything larger)?

All of the Scottish note-issuers have normal £100s which are for normal usage. Actually using them, however, even in Scotland, does raise an eyebrow. On the mainland, it's only Bank of England that don't do normal £100s. Bright red is the colour (much redder than £20s).
 

Liam

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Do any of the British Isles banks produce a £100 note (or anything larger)?

All three Scottish banks and Northern Ireland's Northern Bank certainly do, not sure about the others.
--- old post above --- --- new post below ---
All of the Scottish note-issuers have normal £100s which are for normal usage. Actually using them, however, even in Scotland, does raise an eyebrow. On the mainland, it's only Bank of England that don't do normal £100s. Bright red is the colour (much redder than £20s).

I've only ever used £100's for buying cars.
 

Altfish

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I get up to Scotland at least once a month and haven't had a problem using Scottish notes in England; but I do try to get rid of them before heading back to Manchester.
 

Busaholic

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I've been a retailer for nearly 30 years. I've always accepted Scottish notes when proffered, which isn't often, but was told by my bank, an offshoot of RBS, a while ago not to take Scottish twenties because forgeries were being passed in the area. The only problem I've ever had with exchanging currency was a cafe in Exeter that inspected every coin of a £4.80 bill I paid with exact cash and triumphantly announced that a 50p coin was from Guernsey and therefore unacceptable, whereupon I went back to the table I'd just left and took the 50p tip and paid with that! The Guernsey coin returned to my pocket, and a cafe I'd been to many times over the years lost my custom. That'll learn 'em.
 

me123

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Scottish Sterling notes cannot be refused in England, tell the refuser to get the police if they think it's a fake note and the police will tell them the same thing.

Yes, they can be refused. This is because any sale is essentially an agreement between the two parties. No law exists that requires transactions to be made in any currency, nor does any law exist mandating that any form of payment must be accepted. English retailers can in fact refuse to accept English notes should they be so inclined (although that would probably be a very poor business decision).

Scottish and Northern Irish notes are in fact legal currency throughout the United Kingdom. There is no genuine reason as to why they will not be accepted, and if I was refused I would simply take my business elsewhere (although I would understand a £100 note being refused, as the Bank of England does not issue these).

The common excuses for not accepting Scottish notes are usually rubbish. Anyone who claims that they are not legal tender has no understanding of the concept of legal tender. Anyone who doesn't know how to check it's a forgery clearly doesn't know how to check English notes either, as the core security features are almost identical; and besides, there's a very helpful website which tells you, and there's even a handy poster to display in your shop. If you're particularly bored, there's a quiz. Concerns about high forgery rates are not founded, because English notes remain much more commonly forged, and in my experience English forgeries were of a much higher quality than Scottish ones.
--- old post above --- --- new post below ---
I tend to try and exchange everything in Scotland before heading home, or by Carlisle at the latest, just to save on the potential hassle factor later.

I don't see why you should go out of your way. There's no legitimate reason not to accept any genuine BoE/Scottish/NI note in any part of the UK. I give retailers the first note I come across. They can accept it, or I can take my custom to a competitor.
 

deltic1989

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No law exists that requires transactions to be made in any currency, nor does any law exist mandating that any form of payment must be accepted.

So let me see if I understand this correctly. On this basis, I could if I was so inclined, offer to pay for my Cigarettes in my local corner shop with a US $10 note, and it would be up to the retailer if they accepted?
Alternatively I could offer to pay with a happy tune on a penny whistle :D .
Ok the last bit was a joke, but the first part is a genuine question.
 

Liam

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So let me see if I understand this correctly. On this basis, I could if I was so inclined, offer to pay for my Cigarettes in my local corner shop with a US $10 note, and it would be up to the retailer if they accepted?
Alternatively I could offer to pay with a happy tune on a penny whistle :D .
Ok the last bit was a joke, but the first part is a genuine question.

Yes. Some shops in the UK accept Euros for example, although change is normally given in Sterling.

If the cashier is happy to accept your tune as payment then, yes that would also be a acceptable payment method.
 

ainsworth74

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So let me see if I understand this correctly. On this basis, I could if I was so inclined, offer to pay for my Cigarettes in my local corner shop with a US $10 note, and it would be up to the retailer if they accepted?

Of course, why wouldn't it? I mean it's very unlikely that they would as they would probably have some hassle paying it into their account at the end of the day. But the trader can accept payment in any form they want. If your penny whistle playing is worth a packet of cigarettes to the trader then there is no reason for them not to agree to such an exchange. Though that would be very unusual!
 

me123

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So let me see if I understand this correctly. On this basis, I could if I was so inclined, offer to pay for my Cigarettes in my local corner shop with a US $10 note, and it would be up to the retailer if they accepted?
Alternatively I could offer to pay with a happy tune on a penny whistle :D .
Ok the last bit was a joke, but the first part is a genuine question.

Yes, you could pay with anything. Even penny whistles would be considered a valid form of currency, as long as both the vendor and customer were in agreement. (Well, you may run into trouble with cigarettes because there's specific legislation covering taxation, but you get my drift).

But yes you can pay for your cigarettes with a $10 bill and, if the retailer was so inclined, they can accept it. As mentioned, they can agree to give you change in sterling or dollars, or indeed not at all - again, it's an agreement between the customer and vendor, and whilst it would be courteous to offer change, there's no requirement to do so as long as both parties are in agreement - although I'd certainly walk away from the transaction if change wasn't offered!
 

cb a1

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So let me see if I understand this correctly. On this basis, I could if I was so inclined, offer to pay for my Cigarettes in my local corner shop with a US $10 note, and it would be up to the retailer if they accepted?
Many many years ago I worked in the head office of Westmorland Motorway Services during school and university holidays. This was before the days of debit cards and nearly all transactions were cash or cheque.

As well as every type of English, Scottish, Manx and Irish notes, the managers did occasionally take payment in other currencies. They weren't particularly bright unfortunately and just tended to look up the exchange rate in the nearest newspaper so we did lose out on the exchange. That said, it wasn't like they were taking a lot of money this way, just if someone was stuck and that was all they had.
 

DarloRich

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I currently have hold of Scottish Money and am told certain places in England (where I live) will not accept it so I was wondering if anyone else has had any Problems trying to use the Scottish Money in England?

A Scottish bank note is legal currency and is therefore "valid" in England. The retailer should accept them although they are not legally obliged to do so.

Three banks in Scotland are authorised to issue notes: Bank of Scotland, Clydesdale Bank and Royal Bank of Scotland. (There are also four note-issuing banks in Northern Ireland). This fact sheet may assist: http://www.acbi.org.uk/media/sni_notes_factsheet_nov12_copy1.pdf

I regularly have Scottish notes thanks to my mum being resident in Scotland. Never had trouble using them “down south”. NI ones can be harder to shift but I find Tesco or other big retailers will take them without problem.
 
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bb21

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A Scottish bank note is legal currency and is therefore "valid" in England. The retailer should accept them although they are not legally obliged to do so.

You are correct. The retailer is not obliged to accept any currency, even English ones, and some will elect to reject £50 notes, for example.

I regularly have Scottish notes thanks to my mum being resident in Scotland. Never had trouble using them “down south”. NI ones can be harder to shift but I find Tesco or other big retailers will take them without problem.

I once had some funny looks from a cashier at Wilkinsons after presenting her with a £10 Northern Bank note, but her supervisor was happy with it and ordered her to accept the note.
 

OuterDistant

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Eeh, this takes me back to when I worked for a certain major tourist attraction, and as a result saw every kind of Scots/NI banknote there was. Hence why I get a bit narked when English retailers pull their faces at such notes, and I generally use Scots/NI notes in supermarket self-service checkouts as DaveNewcastle alluded to.

The best, however, was when a customer was down to a five pound coin which, with my manager's agreement, we accepted!
 

maniacmartin

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NCR paying in machines at my bank (Nationwide BS) accept scottish notes, which is how I got rid of my most recent one
 

WelshBluebird

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Hardly silly. Frustrating for you, obviously, but not silly. Many people in England have never, or rarely, seen a Scottish banknote and so would not on the whole know what most Scottish banknotes look like. If you don't recognize a banknote, the risk to you of accepting it and then discovering it's not a genuine one is rather obvious.

Well I am sorry but if you are in a job or position where you are taking cash payments, it is up to you to be aware that a Scottish banknote is genuine and perfectly fine to be used in the rest of the UK. If you cannot make yourself aware of that, then you should not be in that job. This is exactly the same argument I had to use against someone on the till in a supermarket who decided my driving licence was fake because it is a Welsh one.

Now of course, a retailer does not have to accent any means of payment. But to suggest simply that a retailer should not accept them because they are not used to them is just silly. The answer is make sure you are used to them.
 
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muz379

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I used to work in retail on the tills . I was always aware of Scottish currency having been to Scotland countless times as a child it was nothing new to me having a scottish note presented .Shops I worked at always had a policy of getting a manager to check that a £50 note was real which I always adhered to regardless of the notes origin .

I do understand why some of my colleagues where a bit confused if they had never seen one before and where used to handling BOE notes all day long .

Ive never had a problem myself using Scottish notes south of the border . In a few shops members of staff have called for a manager/supervisor to check them which I have no problem with and they have always been accepted after this . At the end of the day I understand what its like working in that environment its always better to be safe than sorry . Id rather a few minutes of inconvenience so the cashier can have piece of mind .

Id argue that employers should be telling staff about different notes that might be accepted . For instance one retailer I worked at didn't accept £100 notes under any circumstances which is fair enough . When I was in management in retail one of the first things I always did with new staff when training them on the till was tell them about different notes , and show them pictures , this was mainly so they didn't accept withdrawn BOE notes for example .I also told them however that if they where ever dubious as to a notes acceptance to call for a manager who would verify it because its the manager who has to put that money in the safe at the end of the night . But not all retailers have this attitude towards training .
 

londiscape

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A couple of years ago I remember seeing signs in quite a lot of smaller retailers around London along the lines of "We Do Not Accept Scottish Notes" - allegedly this was due to a known large flood of bent Scottish £10 and £20 notes circulating the capital at the time.

Which begs the question - do Scottish notes have fewer or less effective anti-counterfeit features and are therefore easier to forge? Or is it more to do with being less familiar to most checkout assistants in England and therefore less likely to be caught?
 

Scotrail84

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Eeh, this takes me back to when I worked for a certain major tourist attraction, and as a result saw every kind of Scots/NI banknote there was. Hence why I get a bit narked when English retailers pull their faces at such notes, and I generally use Scots/NI notes in supermarket self-service checkouts as DaveNewcastle alluded to.

The best, however, was when a customer was down to a five pound coin which, with my manager's agreement, we accepted!


Why wouldn't a five pound coin be acceptable?
 

me123

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Which begs the question - do Scottish notes have fewer or less effective anti-counterfeit features and are therefore easier to forge? Or is it more to do with being less familiar to most checkout assistants in England and therefore less likely to be caught?

Scottish notes are generally significantly more advanced than their English counterparts. In the late '80s, the current series of RBS notes entered circulation, featuring (for its time) advanced security features. They featured UV ink which, whilst commonplace today, was not used by the bank of England until almost a decade later. These notes remain in circulation today. Our higher value notes have also used colour shifting ink for longer (which I understand is almost impossible to counterfeit), metallic inks, "see through" features (that require the note to be printed perfectly), and various more advanced holograms.

The new English £20 notes, and particularly the new £50 note, are fantastic and easy to check, particularly compared to the older ones (the old £50 notes featuring Sir John Houblon were really poor).

I have a £10 note in my pocket which features a patterned security strip (which is harder to forge than an English tenner), three types of watermark (vs 1), a depth image hologram (vs a normal hologram), and a "hidden" number that can only be seen when the note is tilted (not on the English notes). Having said that, in general, the key security features are the same on Scottish and English notes, and I don't really accept that you need any special training to be able to look at a watermark and security thread, and feel for raised printing.

In my experience, we got more counterfeit English notes up here than Scottish notes. This relates well to statistics I saw once that even in England, you're more likely to come across counterfeit English notes than Scottish ones. What alarmed me with the English fake notes was that they were generally much better quality than the Scottish fake ones, which is probably because mass manufacture of counterfeit banknotes is more profitable for notes which are more widely accepted. One English £20 note (one of the new ones with Adam Smith on the reverse) was very well manufactured - I suspect a lot of retailers would have taken it. By comparison, Scottish fakes tend to be very poor quality and quite easy to tell apart from genuine notes (although that's easy for me to say, handling thousands of them every day).

By the way - don't rely on counterfeit detector pens. In any currency. They're hopeless, and have high false positive and false negative rates. In fact, I'd actively encourage people not to use them because it makes you rely on just one security feature when there are multiple on every banknote, and indeed it is very easy to foil such a pen. They are iodine pens detect starch in paper, which is absent in genuine banknotes. However, starch free paper is relatively easy to come by.

I've already posted a link somewhere above to the Association of Scottish Clearing Banks Website that shows the various features on the different notes, and is a useful resource for any cash handler who would like to learn more.
 

Heinz57

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I find it amazing how many people are still funny about Scottish notes.

I work in retail so I see it all. I once had a chap who wouldn't accept a Scottish fiver when I was giving him his change from the till. He demanded I gave him an English note.
 

Rick1984

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I have always had problems with them.

Once in Great Yarmouth an angry bus driver refused to take one.
I said "it's legal tender " (admittedly wrong)
To which he shouted
"DON'T YOU LEGAL TENDER ME! "
Can't remember outcome, think he eventually took it.

In Wales my brother tried to pay in a shop. The assistant examined the note and even tore the stripey bit and wanted to confiscate it. Luckily he managed to get it back.

Both technically right but both annoying incidents.
 

cjmillsnun

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I have always had problems with them.

Once in Great Yarmouth an angry bus driver refused to take one.
I said "it's legal tender " (admittedly wrong)
To which he shouted
"DON'T YOU LEGAL TENDER ME! "
Can't remember outcome, think he eventually took it.

In Wales my brother tried to pay in a shop. The assistant examined the note and even tore the stripey bit and wanted to confiscate it. Luckily he managed to get it back.

Both technically right but both annoying incidents.

Scottish notes are not legal tender. They are legal currency. There is a difference.
 

Rick1984

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Yes as I said I was wrong but I doubt the driver knew the difference and certainly didn't warrant the reaction!
 

bb21

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That shop assistant sounded extremely dodgy.
 

Busaholic

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A lot of retailers, especially small ones, won't take £50 notes. I'll only take them from people known to me, with one exception. German tourists are often given £50 notes by their banks in exchange for euros and I have taken them, without adverse effects so far.

As far as giving a Scottish banknote in change, I wouldn't do it personally unless that was the only way I could manage the change: even then, I would ask the customer's permission first.
 

WelshBluebird

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In terms of £50 notes, when I worked at the cafe in my uni SU, the main reason we refused them was the large number of foreign students who would try to use them. If we allowed them, we would have run out of change very very quickly. And while we could have said we'd take them until we couldn't give change, we just wanted to avoid the situation full stop. Of course there was a cash point 10m away which gave out notes in £5, £10 and £20 notes so we just pointed them in the direction of that.
 

Western Lord

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Scottish bank notes are not legal tender, even in Scotland. The only legal tender in Scotland is coinage.
 
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