Scottish money not good enough
09-February-2010
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Scottish money not good enough

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I've just returned from a short holiday in Scotland to see my family and I have brought back with me a pocket full of Scottish currency.  If you've ever tried to spend Scottish money in England you will probably be in a good position to understand my gripe.

The problem is the funny looks you get from the cashier at the supermarket, or from the guy behind the bar when you hand over your Scottish notes.  More often than not, they hold it up to the light to check the watermark or scan it with a UV light, probably because they assume that its a counterfeit and you are trying to rip them off.  The way they treat you almost makes you feel like a criminal.  Why is it so difficult to accept that a Scottish bank note is actually still 'good money' in England?

It's actually really embarrassing, especially if you are standing in a long queue at the supermarket and it happens to be really busy that day.  I know its quite irrational, but sometimes I actually dig into the wallet to see if I can find some English money to use instead so that I dont have to put up with all the hassle.  Scottish money is every bit as good as the English equivalent and although no one has actually refused to take it, theres always that doubt in your mind.  The thought that your cash might be refused just makes it a bit of an awkward situation

Staff that handle money probably ought to be better trained.  Although they dont see a Scottish bank note on most days, they should be able to easily recognize them for what they are valid UK currency!

Perhaps they could also be shown how to handle the situation with a little bit more care and sensitivity at the same time.  Yelling out to their supervisor down on isle nine "Hey John, are we still accepting this Scotch money? isn't exactly what I'd call subtle.  So many times I've been so tempted to reply "Careful with that there lassie, I've just printed it for ye and the ink will be wet..."  Fortunately though, good sense usually prevails and I wait there patiently whilst the supervisor wanders up to verify that money is okay.

Royal Bank of Scotland - Pount note

Not everyone is quite so offish about our "funny money".  In fact, the landlord at my local pub is quite a sport and I always make sure that I bring at least a few Scottish fivers for him!  I know he loves to make that extra trip to the bank to change them!!!

Hey, It could be a whole lot worse though remember the old pound notes?  Some of them are actually still in circulation in Scotland but they cant be used south of the border anymore.

Probably just as well because youd need a sack full of them to buy a pint of beer at our local but thats another story!

Find out more about Scottish currency

Money in Scotland
A few interesting facts about Scottish currency that you may not know, for example...  Scottish banks do not produce coins - the Royal Mint has a monopoly on that.

Definition of legal tender
Here's something I discovered whilst looking into this subject.  Legal tender or forced tender is payment that cannot be refused in settlement of a debt denominated in the same currency by virtue of law.  Bank of England notes are the only banknotes that are legal tender in England.  Scotish notes are not considered legal tender, however are not illegal under English law and traders/creditors may accept them if they choose.


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Truck Act

"That the entire amount of the wages earned by or payable to any artificer in any of the trades herein-after enumerated, in respect of any labour by him done in any such trade, shall be actually paid to such artificer in the current coin of this realm, and not otherwise;..."

This Realm: This other Eden, this demi-paradise this scepter'd isle,
This earth of majesty, this seat of Mars ...

In other words England.

Not Scotch Porrage Oats Land.
*Campaign To Rebuild Hadrian's Wall  07-Feb-2010 10:29

 
I think this gripe answers itself: one reason the notes are frowned upon is because they have to be taken to the bank to be changed. All banks charge businesses for cash handling, so businesses in turn frown at customers with these notes. Nor do ticket machines at train stations, or machines at car parks take them.
*Gloop14  06-Feb-2010 21:16

 
English bank notes are only legal tender in England, Wales, The Channel Islands and the Isle of Man. English bank notes of denomination less than 5 pounds were legal tender in Scotland under Currency and Bank Notes Act 1954. Now, with the removal of BoE 1 pound notes, only coins constitute legal tender in Scotland. So how would the English tourist feel when purchasing goods in Scotland having there notes checked and double check by store officals. I have had stores refuse Scottish notes south of the border, but the same store north of the border is only to happy to take them. It does make you feel like a criminal, on one occassion I refused to take a BoE 5 pound note in my change asking for a Scottish on...just to as awkward as them.....lol
*darth151  06-Feb-2010 12:11

 
The sad and ironic thing is that the Bank of England was founded in 1694 by a Scotsman, sir William Patterson a Scottish trader from Dumfries and Galloway, Scotland.
*darth151  06-Feb-2010 10:38

 
On the Bank of England website, it basically says that Scottish and Northern Irisih banknotes are NOT legal tender - but acceptability is another matter. So it seems that though they are not legal tender, cashiers can still choose to accept them. http://www.bankofengland.co.uk/banknotes/about/faqs.htm#16
*PJ  28-Jan-2010 21:29

 
The Channel Islands don't have any problems with Scottish Bank notes, you can get your change in Bank of Scotland, Royal Bank of Scotland, Clydsdale Bank, States of jersey and States of Guernsey so whats the problem with the English?. I saw in a website that Scottish Bank notes are not "legal tender" in England, only Bank of England notes but only in England and Wales ! Maybe we in Scotland should make a fuss every time we get a Bank of England note and hold it up to the light in the middle of a shop to see if it is a fake or not, perhaps not as we are more educated.
*Ron  19-Jan-2010 16:30

 
As a cashier at <<large UK supermarket>> in York, I see literally thousands of Bank of England notes each week; I know the paper they are printed on, I know the design and security features like the back of my hand.

How many Bank of Scotland/Clydesdale/RBS notes do you think I see? A couple a month, at best. So OF COURSE I'm going to call my supervisor when I see a Scottish bank note, as I have genuinely no idea if it's legitimate or not, and that kind of volume isn't worth me being trained on every single bank/value combination out there. For what it's worth, I am also obliged to call a supervisor when I see a Bank of England £50 note as these are equally infrequent.

For real fun and extra points, though, try a Northern Irish bank note - it will blow their minds!
*V Bowerman, York  01-Jan-2010 15:16

 
I reckon it has a lot to do with the fact that we in England dont deal with Scottish money very often, so we are not aware of all the conterfeiting measures built into the money, hence the need to examine the money more closer - a good solution would be just to make sure all of us in England are aware of all Scottish money so we dont have to gander at it when we are handed it at a checkout :D
*tommy  01-Jan-2010 02:57

 
At least Scottish notes still say they promise to pay the bearer on demand the face value in pounds of sterling silver. English notes no longer make such claim and merely state that they represent the face value in pounds (of nothing). I think I know whats the better currency, ones based of precious metal that is also a in demand commodity or monopoly money that banks can punch onto a computer screen at there whim (? - research fractional reserve banking). Any English who does not accept the Note of currency of another nation that is backed by a tangible commodity when there own is back by no more than Scotch Mist is a fool.
*Pict Boy  16-Dec-2009 05:08

 
At least Scottish notes still say they promise to pay the bearer on demand the face value in pounds of sterling silver. English notes no longer make such claim and merely state that they represent the face value in pounds (of nothing). I think I know whats the better currency, ones based of precious metal that is also a in demand commodity or monopoly money that banks can punch onto a computer screen at there whim (? - research fractional reserve banking). Any English who does not accept the Note of currency of another nation that is backed by a tangible commodity when there own is back by no more than Scotch Mist is a fool.
*Pict Boy  16-Dec-2009 02:19

 
On the plus side - self service checkouts in Tescos will give you change from a fiver if your feed it a one pound note !
*Darren  20-Nov-2009 21:38

 
The new scotch parliamentary building with MSPs

http://www.flickr.com/photos/eviltwin/10374400/sizes/o/
*Seventh Indifference of the World  20-Nov-2009 19:55


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