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Topic # 97018 9-Feb-2012 09:36
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I'm trying to pay my ACC bill --- ACC have a new online payment option - but, this costs $30 to pay my $1500 annual invoice by credit card. 

I could pay via direct debit, but, ASB charges me $2 to make ACC  a payee. 

So on principle I'm going to write out a cheque, wander into a westpac branch and pay this bill. 

I hope it costs them more to process this way. Free for me (If time is free).
 

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  Reply # 579119 9-Feb-2012 09:41
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Its changing practice in NZ for an organization to charge to recoup the loss of individuals who wish to use CC payments. I dont think this is unfair, why should taxy payers pay for your convenience? Also your second argument is mute, if your bank charges to add payees you should try moving banks.. Or at least talk to the manager and say you will move if they dont come up with a better deal. PS how much does a check book cost now days?

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  Reply # 579120 9-Feb-2012 09:42
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How much will ASB charge you for the cheque processing? BNZ charges me 65c for each cheque (personal account. not a business a/c) + $2.50 for a new chequebook when I run out, so that's another 5c per cheque.

Still the cheapest option for you though.




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  Reply # 579126 9-Feb-2012 09:49
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With ASB use a fast cheque direct to their bank account, rather than setting up a bill payment.




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  Reply # 579134 9-Feb-2012 10:02
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timmmay: With ASB use a fast cheque direct to their bank account, rather than setting up a bill payment.


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  Reply # 579143 9-Feb-2012 10:12
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surfisup1000: I'm trying to pay my ACC bill --- ACC have a new online payment option - but, this costs $30 to pay my $1500 annual invoice by credit card. 

I could pay via direct debit, but, ASB charges me $2 to make ACC  a payee. 

So on principle I'm going to write out a cheque, wander into a westpac branch and pay this bill. 

I hope it costs them more to process this way. Free for me (If time is free).
 


Make sure you write a letter to the Commerce Commission and thank them for in effect allowing credit card fee cost recovery.

 

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  Reply # 579159 9-Feb-2012 10:34
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timmmay: With ASB use a fast cheque direct to their bank account, rather than setting up a bill payment.


+2 

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  Reply # 579187 9-Feb-2012 11:32
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jbard:
timmmay: With ASB use a fast cheque direct to their bank account, rather than setting up a bill payment.


+2 

Yep, I've done that with ASB also, but it's a pain that they won't allow you to store the details for next time.

Compare this with Kiwibank who allow you to save all your Payee data in a table, for later re-use.  And then don't charge you anything for the privilege.  I use them to pay all our recurring bills and have never paid a cent in fees for this service.





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  Reply # 579192 9-Feb-2012 11:41
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Yep, I've done that with ASB also, but it's a pain that they won't allow you to store the details for next time.

.


have you called ASB?  i use fast cheque a lot and have the details entered of those i pay with it.

 

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  Reply # 579193 9-Feb-2012 11:43
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ASB do charge you to save the details of a payee, which is pretty cheeky given the cost of storage of one row in a database table is basically zero. They claim to be a leader in the internet banking space, and maybe they were 15 years ago, but these days it's a commodity and they're trying to extract as much money from customers as they can.




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  Reply # 579207 9-Feb-2012 12:04
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timmmay: They claim to be a leader in the internet banking space, and maybe they were 15 years ago, but these days it's a commodity and they're trying to extract as much money from customers as they can.


Doubt it.

Go look at BNZ's offerings.  Puts ASB to shame. 

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  Reply # 579314 9-Feb-2012 15:42
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alienwithin:

Yep, I've done that with ASB also, but it's a pain that they won't allow you to store the details for next time.

.


have you called ASB?  i use fast cheque a lot and have the details entered of those i pay with it.

 


ASB Fast Cheque allows you to use Payees that have already been setup in the Bill Payment section. 




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  Reply # 579328 9-Feb-2012 15:59
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kiwipearls:
ASB Fast Cheque allows you to use Payees that have already been setup in the Bill Payment section. 


Yes but the point is that ASB charge you ($2.50 from memory). None of the other banks I have accounts with do this.

This is the only reason I dislike ASB's otherwise great online banking.

ASB, 1999 called they want their $2.50 "service fee" back... 

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  Reply # 579338 9-Feb-2012 16:18
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surfisup1000:
I could pay via direct debit, but, ASB charges me $2 to make ACC  a payee. 

So on principle I'm going to write out a cheque, wander into a westpac branch and pay this bill. 
 


Hell thats bad, a wooping $2. So instead of paying the $2 you going to write out a cheque (which is going to cost you money), wonder down to the bank (which I suppose is in your free time), and possibly stand in a queue.


{MOD EDIT : SP : Removed borderline personal attack, play the ball not the player guys.}

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  Reply # 579355 9-Feb-2012 16:50
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surfisup1000: I'm trying to pay my ACC bill --- ACC have a new online payment option - but, this costs $30 to pay my $1500 annual invoice by credit card.?

I could pay via direct debit, but, ASB charges me $2 to make ACC ?a payee.?

So on principle I'm going to write out a cheque, wander into a westpac branch and pay this bill.?

I hope it costs them more to process this way. Free for me (If time is free).
?


You can pay by direct credit (not direct debit), and make a one off payment. The problem is that getting ACCs bank number can be difficult, as they told me to use the banks preauthorised list , which includes ACC, from my bank.
If your bank still charges you, then that is an issue with your bank. Some banks don't charge for payments and bill payment setups.
Companies are entitled to charge a credit card surcharge these days, as it does cost them anyway.

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  Reply # 579364 9-Feb-2012 17:24
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nate:
timmmay: They claim to be a leader in the internet banking space, and maybe they were 15 years ago, but these days it's a commodity and they're trying to extract as much money from customers as they can.


Doubt it.

Go look at BNZ's offerings. ?Puts ASB to shame.?


Or TSBs premier account. Although they do charge for some online things, yet if you do it over the phone or fax it is free.

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