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Bay · Jul 5th, 2009, 09:34 AM

Is that safe? I have a buyer from portugal that wants to pay directly into my swedish bankaccount. Is that safe or is it some kind of scam?

The buyer has 6 positive feedback.

I don't really mind as long as I get the money and the buyer its item, I just wanted to know if anyone has any experience with this?

TIA!

missframton · Jul 5th, 2009, 11:12 AM

hi,
I have done bank transfer many times. I always use an account wich cannot go into negative. Also, the information given is the IBAN and BIC code - so you are not giving out your entire data so to say.
That being said, always be carefull when doing transactions like this

mindy621_xoxo · Jul 5th, 2009, 11:33 AM

Anything with even the slightest risk factor, I avoid.

mindy621_xoxo · Jul 5th, 2009, 11:34 AM

^^with purchases and scams so to speak

missframton · Jul 5th, 2009, 12:16 PM

to be honest, i would not be so worried about it since you are the seller. As I wrote previously, make sure the account number given is not on that can go into the neg. Also give her the IBAN, BIC and name of bank - thats all the info required to do transfer.
I do belive as a seller, payment this way is preferred since you dont have to pay PP fees, and you of course wont send bag until money appears on account.
anybody please chime in if im misleading or forgotten something

Styleforever · Jul 5th, 2009, 01:46 PM

Originally Posted by Bay

Is that safe? I have a buyer from portugal that wants to pay directly into my swedish bankaccount. Is that safe or is it some kind of scam?

The buyer has 6 positive feedback.

I don't really mind as long as I get the money and the buyer its item, I just wanted to know if anyone has any experience with this?

TIA!

My advice would be no. People don't realize a bank transfer directly to your bank can very easily be reversed and the person can get out more than they put in. And there is no such thing as an account that can not go into negative. I know this is popularly believed. Some have a limit on how much negative they can go into and in most cases it is less than 50.00 but they can still go into a negative balance.

Styleforever · Jul 5th, 2009, 01:55 PM

Why can't they use a money order, money gram or Western Union? You are honest enough to give out your bank account number so I know you are definitely honest enough to ship the bag. I am asking because from my experience in dealing with these requests there was always an attempted reverse it. Because usually when they get the item no matter how new or authentic it is, they are going to declare with much exclaim it is the most fake bag they have ever seen and must urgently get their money back. That you are scammer and they must act quickly to get their money back.

deekai · Jul 5th, 2009, 08:28 PM

Bank to bank transfer is an accepted way of paying in most European countries and is perfectly safe. They can only put in, cannot take out.

Ask your bank for all the info you will need. The bank does charge for the service. The U.S. does not do IBAN.

caannie · Jul 5th, 2009, 09:35 PM

I'm reluctant to give anyone my bank account number, so I have never done this!

ladyisobel · Jul 6th, 2009, 02:51 AM

i have no problem receiving payments in this way.
if you pay by cheque for anything you're giving out account number and sortcode, it's pretty much the same info apart from IBAN and BIC ( over here in the Uk anyway )

ladyisobel · Jul 6th, 2009, 02:52 AM

Originally Posted by mindy621_xoxo

Anything with even the slightest risk factor, I avoid.

i did smile at this ! thought you must never get out of bed !!

Simz · Jul 6th, 2009, 03:52 AM

I would not suggest doing this. Account numbers are used for credit checks, automatic debits and bill paying by phone (at least here in the US) and they could end up posing as you or using your account to pay their phone bill or something. If there is another way for someone to pay you, I think you would be better off. Good luck, whatever you decide.

declaredbeauty · Jul 6th, 2009, 04:14 AM

It depends on where you are from. Like the others said. It's acceptable in the UK. But not in the US.

alfiebach · Jul 6th, 2009, 09:57 AM

Originally Posted by ladyisobel

i have no problem receiving payments in this way.
if you pay by cheque for anything you're giving out account number and sortcode, it's pretty much the same info apart from IBAN and BIC ( over here in the Uk anyway )

Hi ya,
Do you remember a big thing about this in the UK.....A writer for a paper, gave out is bank deatails, to prove it was safe.
You can pay in, but not take out, or make the account go overdrawn.
l would def do it, here anyway

alfiebach · Jul 6th, 2009, 09:59 AM

Originally Posted by Simz

I would not suggest doing this. Account numbers are used for credit checks, automatic debits and bill paying by phone (at least here in the US) and they could end up posing as you or using your account to pay their phone bill or something. If there is another way for someone to pay you, I think you would be better off. Good luck, whatever you decide.

Really, how do they not ask for d.o.b passwords etc.
l could not pay a bill here, even if l had my DH's card etc.
So not safe is the US then.

Jul 5th, 2009, 09:34 AM	#1
Bay OP Always In Worryland Joined: Feb 2007 Location: With my love =) Posts: 4,985	Buyer paying to your bank account? Is that safe? I have a buyer from portugal that wants to pay directly into my swedish bankaccount. Is that safe or is it some kind of scam? The buyer has 6 positive feedback. I don't really mind as long as I get the money and the buyer its item, I just wanted to know if anyone has any experience with this? TIA!
	__________________ *Trying to keep my eyes on the prize* ~Pretty content with what I have, some days~ On a Bag Ban!!

Jul 5th, 2009, 11:12 AM	#2
missframton Member Joined: Aug 2008 Location: addicted to bal Posts: 387	hi, I have done bank transfer many times. I always use an account wich cannot go into negative. Also, the information given is the IBAN and BIC code - so you are not giving out your entire data so to say. That being said, always be carefull when doing transactions like this
	__________________ wanting large black matelasse

Jul 5th, 2009, 11:33 AM	#3
mindy621_xoxo Member Joined: Feb 2009 Location: Arizona Posts: 253	Anything with even the slightest risk factor, I avoid.
	__________________ My [growing] Bag Collection Louis Vuitton Neverfull PM Pink Chanel Cambon Tote Pink Coach Heritage Stripe Legacy Tote Dooney and Bourke Denim Betsey Johnson Cherry Popping Satchel SAVING MY PENNIES FOR: GUCCI PELHAM WHITE TRIM

Jul 5th, 2009, 11:34 AM	#4
mindy621_xoxo Member Joined: Feb 2009 Location: Arizona Posts: 253	^^with purchases and scams so to speak
	__________________ My [growing] Bag Collection Louis Vuitton Neverfull PM Pink Chanel Cambon Tote Pink Coach Heritage Stripe Legacy Tote Dooney and Bourke Denim Betsey Johnson Cherry Popping Satchel SAVING MY PENNIES FOR: GUCCI PELHAM WHITE TRIM

Jul 5th, 2009, 12:16 PM	#5
missframton Member Joined: Aug 2008 Location: addicted to bal Posts: 387	to be honest, i would not be so worried about it since you are the seller. As I wrote previously, make sure the account number given is not on that can go into the neg. Also give her the IBAN, BIC and name of bank - thats all the info required to do transfer. I do belive as a seller, payment this way is preferred since you dont have to pay PP fees, and you of course wont send bag until money appears on account. anybody please chime in if im misleading or forgotten something
	__________________ wanting large black matelasse

Jul 5th, 2009, 01:55 PM	#7
Styleforever Member Joined: May 2009 Location: Chicago, IL Posts: 286	Why can't they use a money order, money gram or Western Union? You are honest enough to give out your bank account number so I know you are definitely honest enough to ship the bag. I am asking because from my experience in dealing with these requests there was always an attempted reverse it. Because usually when they get the item no matter how new or authentic it is, they are going to declare with much exclaim it is the most fake bag they have ever seen and must urgently get their money back. That you are scammer and they must act quickly to get their money back.

Jul 5th, 2009, 08:28 PM	#8
deekai Member Joined: Jan 2008 Posts: 288	Bank to bank transfer is an accepted way of paying in most European countries and is perfectly safe. They can only put in, cannot take out. Ask your bank for all the info you will need. The bank does charge for the service. The U.S. does not do IBAN.
deekai Member Joined: Jan 2008 Posts: 288

Jul 5th, 2009, 09:35 PM	#9
caannie Team Eric Joined: Mar 2006 Location: Montgomery, AL Posts: 1,273	I'm reluctant to give anyone my bank account number, so I have never done this!
	__________________ To the world you may just be somebody, but to somebody you may just be the world

Jul 6th, 2009, 02:51 AM	#10
ladyisobel Member Joined: Mar 2006 Location: devon uk Posts: 2,816	i have no problem receiving payments in this way. if you pay by cheque for anything you're giving out account number and sortcode, it's pretty much the same info apart from IBAN and BIC ( over here in the Uk anyway )
	__________________ i'm twittering ! http://twitter.com/ladyisobel_tpf facebook ! http://www.facebook.com/profile.php?...37&ref=profile

Jul 6th, 2009, 03:52 AM	#12
Simz Member Joined: Dec 2008 Posts: 20	I would not suggest doing this. Account numbers are used for credit checks, automatic debits and bill paying by phone (at least here in the US) and they could end up posing as you or using your account to pay their phone bill or something. If there is another way for someone to pay you, I think you would be better off. Good luck, whatever you decide.
Simz Member Joined: Dec 2008 Posts: 20	__________________ My wish list: Fendi Spy Bag Chanel Quilted Shopper Chloe Mini Paddington LV Grey 'Slightly Denim'

Jul 6th, 2009, 04:14 AM	#13
declaredbeauty Chanel & Louis Girl Joined: Nov 2007 Location: Southern California Posts: 1,681	It depends on where you are from. Like the others said. It's acceptable in the UK. But not in the US.
	__________________ The Wishful List: chanel mini flap: black, lambskin, ghw. chanel sandals: black. louis vuitton mahina: xl, black. louis vuitton thames: gm, damier ebene. chanel vintage jumbo: xl, black, ghw. red text = wish came true

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