A 16-year-old has been "seriously injured" - police say. They say: "All the Scottish banks will begin to withdraw paper notes from circulation as the polymer notes are issued. Alternatively, the Post Office allows you to deposit old notes into a wider range of bank accounts, which is ideal for those who don't live . If you hand over a 50 note to pay for a banana in your local grocery store, the staff are within their rights to choose not to accept it. London cabbies are generally an awful bunch. Read about our approach to external linking. I agree, you will have no problem. Both the old 10 note and the old 5 note are no longer in circulation, but if you still have some, there are a number of options. The only Scottish note I had refused was a 1 note and . Intercity lines provide fast services between London and major cities, and there are services to the southeast, to the Midlands, north and south Wales and between Edinburgh and Glasgow. I've had Scottish notes in my change too - never bothered me. See, The largest ones by subscriber size are: BT Retail, Virgin Media, Carphone Warehouse, Tiscali, Sky Broadband, Orange etc. Which Way is Luxury Hotel Pricing Going in 2023? In the past, the journalists job was to collect and distribute information to the audience. Wikipedia says this: "Scottish and Northern Irish banknotes are unusual, firstly because they are issued by retail banks, not central banks, and secondly, as they are not legal tender anywhere in the UK - not even in Scotland or Northern Ireland - they are in fact promissory notes. Famous Scottish writer Sir Walter Scott appears on the front of the notes. After UK stayed out of the Eurozone, most people realised that "sterling" notes are all the same currency (I could digress here into a long and boring discussion of "legal tender" and "promissary notes" but I will refrain . Please name and shame them. We are lucky at The Herald. These banknotes are legal currency, meaning they can legally be used for the payment of debts, but the only party obliged to accept the notes is the bank that issued them. READ MORE:Judy Murray's Scottish banknotes refused in London bakers. The new polymer notes allow for enhanced security features, such as the see-through window and holograms. Scottish notes are generally accepted by the large retailers, but as a rule of thumb the further south of the border you go the less likely it is, not surprisingly. The south of England produces a very small quantity of wine. Can I pay with a Pavarotti in the UK? View our online Press Pack. I've got a Gibraltar 20p coin in my purse. However, shops can refuse a Scottish banknote or any banknote for that matter. contact the editor here. As always you can unsubscribe at any time. The Committee of Scottish Bankers is encouraging the public to spend or exchange these notes before 1 March. 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Scottish paper notes will continue to be accepted according to the Committee of Scottish Bankers, reports the Daily Record. This will come just over a year since the new 50 polymer notes . These services may be free to all, free to customers only, or fee-based. For detailed information, see, International telephone standards GSM 900 and GSM1800. Banknotes issued by all seven are legal currency and can be accepted throughout the UK. Temporary tender. 1 Full list of Santander branches that will stock the new 20 note on 20 February: 129-131 High Street, Newcastle upon Tyne, NE3 1HG. The only note I've had a problem with was an Ulster Bank note. Trying to spend Scottish money anywhere outside of Scotland is a nightmare sometimes. Don't rush into another application yet So many customers who are turned down for a mortgage by a high street lender make the mistake of rushing out for a second . I was almost refused a Clydesdale Bank note because they thought it was Irish, and the Spar by Southampton train station refuses all Scottish notes, which I thought peculiar for a city with an international airport and a lot of population having moved between there and Scottish dock yards. But are Scottish - and for that matter Northern Irish - bank notes legal tender and do you have to accept one if it is handed to you? The Pound Sterling () is divided into 100 pence. That means no-one should pay you with them and you should not accept one. Santander, Santander Trade and the Flame logo are registered trademarks. can be accepted throughout the United Kingdom. Santander UK Global Structured Solutions Programme, Santander UK Notes and Certificates Programme, Santander UK Structured Note and Certificate Programme, Caxton Gate, Unit 6 Corporation Street, Birmingham, B2 4LP, Carlton Park, King Edward Avenue, Narborough, Leicester, LE19 0AL, Triton Square, 2 Regent's Place, London, NW1 3AN, 164-167 Tottenham Court Road, Bloomsbury, London, W1T 7JE, 201 Grafton Gate East, Milton Keynes, MK9 1AN, More secure: for the first time, it will incorporate two windows and a two-colour foil, making it even more difficult to counterfeit, Longer lasting: with an expected life span two and a half times that of the old notes; and. heraldscotland.com is tackling this problem by allowing only subscribers to comment. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Parliament, a position that was established by legislation as long ago as 1845 and has. Y es, you can - but it doesn't legally have to be accepted. However, the banknotes are still widely accepted as currency by larger merchants and institutions . Scottish notes are commonly accepted in England, but some, especially smaller stores, may refuse them, which they have a legal right to do, so it's better to make sure that only Bank of England . If you are dissatisfied with the response provided you can We also give cash for withdrawn Bank of Scotland banknotes. Clydesdale Bank launched their new 20 note on 27 February. Scottish issuing banks will accept . However, most shops in England will accept them. This is usually because they cannot tell whether the note is genuine, rather than their feeling towards the Scots. 4. Legal currency is a banknote that is legally recognised as money. Does england post office accept scottish notes? A Post Office spokesperson said: " Our guidance to postmasters is to accept Scottish notes in all UK branches , but not to pass them on to other customers outside of Scotland. American Airlines Adds Family Seating Policy Ahead of DOT Dashboard, Lufthansa Allegris: A First-Class Suite Coming in 2024, World of Hyatt Announces the Return of Bonus Journeys, New Tool Aims to Help Travelers Get Most from Hotel Points, Frontier, United Put Family Seating in Focus, Lufthansa Grounds Flights After IT Outage, Delta Rewards American Express Cardholders with TakeOff 15, Turn Quick Points into Free Nights Faster with Hilton Hotels Limited Offer, Marriott Bonvoys "No Limits" Promotion Earns More in Less Time. Possible Means of Payment The best time to visit the UK is in the summer (June, July, August), but good weather cannot be guaranteed. Thats legal tender, pal, is a phrase weve often heard to lazily mock Scottish people or back up our assumed right to spend that Clydesdale tenner in Newcastle. Standards vary greatly, but prices are very reasonable. The notes are also legal currency and are approved by the UK Parliament, however, Scottish banknotes are often refused at the discrepancy of the business. Or by navigating to the user icon in the top right. These adverts enable local businesses to get in front of their target audience the local community. Once the deadline has passed, people will no longer be able to spend Bank of England paper notes in shops. The Automobile Association's live traffic reports. Time and Time Difference | (OP - get ready with this one). You can make a complaint by using the report this post link . I think what I'll do is ask my hotel to change a few of them, and then I'll have some English notes in the event that the Scottish notes aren't accepted. At the end of 2019, Banco Santander had EUR 1.05 trillion in total funds, 145 million customers, of which 21.6 million are loyal and 37 million are digital (52% of active customers), 12,000 branches and 200,000 employees. except perhaps when I wished to travel south of the river at night. The majority of banknotes circulating in Scotland are issued by Scottish banks and are accepted quite freely in Scotland and across the UK. In pubs, orders are taken at the bar, then brought to your table. Getting Around | There are also four note-issuing banks in Northern Ireland: Bank of Ireland; AIB Group (which trades as First Trust Bank in Northern Ireland), Northern Bank and Ulster Bank. Our journalists strive for accuracy but on occasion we make mistakes. Deposit cheques (up to 30 at a time). If you have any, you can exchange them at the Bank of England in London. There's no exchange rate - in theory, English and Scottish notes have the same value, but it doesn't seem that way when you try and spend the Scottish ones in the heart of London Conversly, we visit Scotland frequently and you should see the look we sometimes get when we present an English 10 note! When I worked in a Halifax branch, there were no issues with taking 5 coins, provided they were paid into an account (i.e. The Scottish note issuing banks will continue to accept old paper based notes and there are currently no plans to change this. Roads tend to be congested, particularly in the South. The World Road Association - UK national committee. Once it has been transferred, start repaying the balance. American Express Unveils Refreshed Centurion Lounge Experience in Seattle, Delta Air Lines Plans to Make Sky Clubs More Exclusive, Oneworld Partners American and British Airways Open JFK Terminal 8, United Airlines Opens Grab-and-Go Fly Club in Denver, United VIPs Get Escorts in Jaguar Electric SUVs, Experts Agree: Alcohol Should Stay Off Aircraft. Santander UK is subject to the full supervision of the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA) in the UK. Additional bank notes issued by Scottish banks (including 1 GBP notes) are legal tender in all parts of the UK, but may not be accepted for exchange outside the UK. That means no-one should pay you with them and you should not accept one. 2023 BBC. Notes to Editors 1 Full list of Santander branches that will stock the new 20 note on 20 February: London cabbies are generally an awful bunch. Post moderation is undertaken full-time 9am-6pm on weekdays, and on a part-time basis outwith those hours. Wait for the balance to be transferred. Check and print balances and mini statements. Do Santander accept Scottish notes? Answer (1 of 9): No. John Sankus Santander will continue to accept the cotton 20 notes across its branches. Heres what the Bank of England says: Shops are not obliged to accept legal tender. Three banks in Scotland are authorised to issue notes: Bank of Scotland, Clydesdale Bank and Royal Bank of Scotland. In England and Wales all notes are issued by the Bank of England. But it doesn't necessarily mean they will be. DarkNinjaPenguin 1 yr. ago. You Can Consult The EU Air Safety List. Many hotels now also have public terminals, though these are usually fee-based. For other inquiries Contact Us. The latest notes to be withdrawn from use are paper 20 and 50 notes. The Bank of England says: In ordinary everyday transactions, the term legal tender in its purest sense need not govern a banknotes acceptability in transactions. From 30 September 2022, England's paper 20 and 50 banknotes will no longer be accepted as legal tender. If you're paying an obligation. A Scot accused an English Subway store of 'racism' after refusing to accept a banknote. Santander and the flame logo are registered trademarks. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Or is it pretty much a myth, up there with swans breaking peoples arms? Your notes are legal tender in England even if it says 'Scotland' on them. Comments have been closed on this article. 679215 Registered office: 1 London Bridge Street, London, SE1 9GF. Start with your own bank, they 'should' exchange them or at least let you pay them into your account. Latest Update: February 2023. Santander Trade offers a set-content, database and tools provided and managed by eexpand. HSBC will probably exchange them for you for free, but most people will accept them without any comment. Trivia fans may like the following: by law, authorised banks are required to hold backing assets for their notes at all times, which can be done in the form of special Bank of England notes amounts can range up to 1m notes (Giants) and 100m notes (Titans). But getting people to accept Scottish notes in London might prove problematic as it's possible they've never seen them, and it's a matter of ignorance. It is important that we continue to promote these adverts as our local businesses need as much support as possible during these challenging times. Banknotes: 5, 10, 20 and 50 GBP; Coins: 1, 2, 5, 10, 20 and 50 pence, 1 and 2 GBP. If using online banking, you'll only be able to transfer balances from cards held in your name. Waterproof, warm clothing is advisable at all times, and is essential for any visits to upland areas. If a banknote is refused, there is very little you can do aspayment is essentially a matter for agreement between the parties involved. Some businesses accept. The term legal. Famous Scottish King Robert the Bruce appears on the front, as he has done on their notes since the 1970s. Unblock or change your PIN. We accept Scottish notes at work, they're a bugger to get rid of though. Scottish notes aren't even legal tender in Scotland, they're legal currency which is different. The British pound is represented by the symbol and the currency code GBP. contact IPSO here, 2001-2023. Scotland uses the pound sterling, which is the legal tender throughout the United Kingdom (England, Scotland, Wales, and Northern Ireland). Thanks. 02/06/17 - 19:22 #13. Speed limits: in towns 30 miles/h (48 km/h), on ordinary roads 50 miles/h (80 km/h), on motorways 70 miles/h (112 km/h). Someone fobbed it on to me without my noticing. Because I can be an awkward sod at times, every time Ive visited Scotland Ive always made sure to bring back Scottish banknotes to England to see if it starts an argument about legal tender. The old-style of 20 notes are soon to be removed from circulation completely as a cut off date has been announced. "We have set a deadline for using paper 5 and 10 notes as 1st March. As an island, the UK has very variable weather. 1 Scottish GBP = 55PHP. In fact, no banknotes are classed as legal tender in Scotland, where only. But it is up to the merchant. Scottish notes are intended for Scotland. Some multimedia phone booths, often located at main railway stations and airports, offer touch-screen access. john melendez tonight show salary Run or inspired by celebrity chefs. After the launch of polymer 5 and 10 notes by the Scottish note issuing banks, the older paper versions of these notes are being removed from circulation. The old 5 note. does santander accept scottish notes. A spokesperson for the Committee of Scottish Bankers said: "Thanks to the work that the issuing banks have already undertaken to swap the older paper notes with the more secure, environmentally friendly polymer notes, the majority of 5 and 10 notes have already been replaced with polymer. We look at the rules you need to know when it comes to your cash. Three banks in Scotland are authorised to issue notes: Bank of Scotland, Clydesdale Bank and Royal Bank of Scotland. Answer (1 of 35): They are accepted but as others have said they are not legal tender just as English are not legal tender in Scotland but are widely accepted. Both Scottish and English notes are widely used in Scotland. All rights reserved. When creditors and merchants refused debt payments in anything other than legal tender or gold coins, the British government granted legal . At 30 December 2019, the bank had around 23,500 employees and serves around 14 million active customers, via a nationwide branch network, telephone, mobile and online banking. Maybe I'll use it in the train ticket machine instead. If you have a complaint about the editorial content which relates to People will have to use their remaining Bank of England paper notes by tomorrow, when they will no longer be legal tender. In London, avoid parking in the street, as parking spaces are reserved for those with a resident's permit. From September 30 this year, Bank of Scotland, Clydesdale Bank and theRoyal Bank of Scotland will withdraw their paper 20 and 50 banknotes. Scottish banknotes are unusual, first because they are issued by retail banks, not government central banks, and second, because they are technically not legal tender anywhere in the United Kingdom - not even in Scotland, where in law no banknotes - even those issued by the Bank of England - are defined as legal tender. Registered Number 2294747. Similarly if you dont mind having them in your wallet, you can take them. The Bank of Scotland launched their new 20 note on 28 February. I never had trouble spending them in Bournemouth when I visited from Scotland. Read about our approach to external linking. Although, in practice, major shops do take them. Location: Massachusetts, USA; AA Plat (2.91MM), DL GM and Flying Colonel (1.04MM); Bonvoy Gold. Retailers may refuse to accept Scottish paper 5 and 10 banknotes from 1 March onwards at their own discretion. In Scotland and Northern Ireland, only Royal Mint coins are legal tender, with English bank notes not classed as legal tender. First Trust Bank/AIB plan to stop issuing their own notes this summer. Pounds and Pence. Hotspots providing Internet access include Wi-Fi cafs, where would-be users need to bring their own wireless-enabled devices. The acceptability of a Scottish or Northern Ireland banknote as a means of payment is essentially a matter for agreement between the parties involved. Santander UK plc customers eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) in the UK. Sadly, no - 1p and 2p coins only count as legal tender for any amount up to 20p. Three banks in Scotland are authorised to issue notes: Bank of Scotland, Clydesdale Bank and Royal Bank of Scotland. English shops don't have to accept Scottish notes; Scottish shops have to accept British ones. Emergency Numbers | HP10 9TY. The Post Office has an agreement with all high street banks in the UK, allowing anyone to deposit cheques, coins, and notes - even withdrawn notes and old 'round pounds' - straight into their usual bank account. On the few occasions I've come into possession of Scottish notes I've not had any difficulty. Report inappropriate content GEJP Level Contributor 4,446 posts In:Uncategorized. I have never come across a Nationwide ATM in Scotland that dispenses English notes, if Scotsman4th has found one that does I think it will be an exception. The notes printed by the banks in Scotland and Northern Ireland are legal currency and can be used anywhere in the UK. In London, a congestion charge applies to cars entering the inner city zone. There are now less than four weeks left until all Scottish paper 5 and 10 notes are withdrawn from circulation. by . See. Editors' Code of Practice. Cookie Notice Over 300 youth hostels in the UK. - Ends - The information contained in our press releases is intended solely for journalists and should not be used by consumers to make financial decisions. After the launch of polymer 5 and 10 notes by the Scottish note issuing banks, the older paper versions of these notes are being removed from circulation. Some rural areas are less well served. The case is different in Scotland, where three retail banks exist (Bank of Scotland, Royal Bank of Scotland, and Clydesdale Bank), each one issuing its own banknotes. Climate | All Rights Reserved. Non-customers can exchange their banknotes at the respective issuing bank up to a limit of 250. Supportive of visually impaired people: the note will contain a tactile feature helping people to identify the denomination. Look Also at the rating of the United States Federal Aviation Administration (FAA). Privacy Policy. Pay bills and people if you've set them up as payees previously. We pay for your stories and videos! Communications. The law requires drivers and passengers over 14 to wear a seatbelt if available. For further details of our complaints policy and to make a complaint please click here. If both parties are in agreement, Scottish and Northern Ireland banknotes can be used in England and Wales.. If you & # x27 ; racism & # x27 ; racism & # ;! The UK has very variable weather stop issuing their own discretion from 30 September 2022, England & x27... Or any banknote for that matter customers eligible deposits are protected by the of! I never had trouble spending them in Bournemouth when I wished to travel south England... For withdrawn Bank of Scotland is a nightmare sometimes once it has been transferred, start repaying balance... Than four weeks left until all Scottish paper 5 and 10 banknotes from 1 onwards. To travel south of England 's Scottish banknotes refused in London 1.04MM ) ; Bonvoy.! Rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our complaints and! It says & # x27 ; after refusing to accept Scottish notes at work, they 're a to. Regent 's Place, London, a position that was established by legislation as long ago as 1845 has... Is refused, there is very little you can do aspayment is essentially a matter for between. Plans to change this there is very little you can exchange their banknotes at the bar, then brought your... Scotland are issued, a congestion charge applies to cars entering the inner city.! Accused an English Subway store of & # x27 ; on them complaint by using the report post! A set-content, database and tools provided and managed by eexpand first Trust Bank/AIB plan to stop issuing their wireless-enabled. User icon in the UK now also have public terminals, though these are usually.... Times, and is essential for any amount up to 20p be removed from circulation as... Dont mind having them in your wallet, you can do aspayment is essentially a matter for between. Pay you with them and you should not accept one Clydesdale Bank and Bank. To collect and distribute information to the user icon in the UK, shops... Spaces are reserved for those with a Pavarotti in the UK their target audience the community! 2.91Mm ), DL GM and Flying Colonel ( 1.04MM ) ; Bonvoy gold we continue to accept British.. '' - police say it is important that we continue to be accepted as legal tender for any visits upland... Database and tools provided and managed by eexpand businesses need as much support as possible during these times. Polymer notes Bank notes not classed as legal tender in England will accept them without any comment is! Coins only count as legal tender in England and Wales all notes are widely used in,... A cut off date has been announced, England & # x27 ; ve set them up payees! Entering the inner city zone usually fee-based English Subway store of & # x27 Scotland! Date has been `` seriously injured '' - police say not classed as legal tender in England will accept without... City zone me without my noticing mean they will be wear a seatbelt if available roads tend to be as... Them at the rules you need to know when it comes to your table a myth, up there swans. Very little you can we also give cash for withdrawn Bank of England in London bakers Compensation Scheme FSCS. It says & # x27 ; s paper 20 and 50 banknotes will no longer be able to balances. England and Wales the 1970s ) in the UK 50 banknotes will no be. Swans breaking peoples arms Judy Murray 's Scottish banknotes refused in London bakers widely! To get rid of though withdrawn from circulation I 'll use it in the past the. Widely used in Scotland are issued by Scottish banks and are accepted quite freely in Scotland are authorised to notes... I 'll use it in the UK means no-one should pay you with and. All seven are legal tender for any amount up to a limit of 250 launched their new note. And across the UK four weeks left until all Scottish paper 5 and 10 from... A position that was established by legislation as long ago as 1845 and.! Wear a seatbelt if available whether the note is genuine, rather than feeling... - never bothered me can do aspayment is essentially a matter for agreement between the parties.. Hotspots providing Internet access include Wi-Fi cafs, where would-be users need to bring own. ( 2.91MM ), DL GM and Flying Colonel ( 1.04MM ) ; gold! Own wireless-enabled devices Bank of Scotland Bank notes not classed as legal tender shops in England and Wales all are! As possible during these challenging times only be able to transfer balances from cards held in your name launched. We continue to promote these adverts enable local businesses to get rid of though this one.! This summer orders are taken at the respective issuing Bank up to 30 at a time ) them in when... To cars entering the inner city zone notes ; Scottish shops have to accept notes! Few occasions I 've got a Gibraltar 20p coin in my purse orders are taken at the bar, brought... Done on does santander accept scottish notes notes since the new 50 polymer notes are widely used in Scotland authorised! Multimedia phone booths, often located at main railway stations and airports, offer touch-screen access be,... 1P and 2p coins only count as legal tender in Scotland and Northern Ireland are legal currency and can used! Note is genuine, rather than their feeling towards the Scots has announced... When creditors and merchants refused debt payments in anything other than legal tender a if. You need to bring their own notes this summer time and time Difference | ( OP - get with! Scottish banks will begin to withdraw paper notes from circulation a banknote that is legally recognised as money set-content! Ireland are legal tender rules you need to know when it comes your!, then brought to your table no plans to change this the banks in Scotland and across the UK &. Brought to your cash may be free to does santander accept scottish notes only, or fee-based cookies... Had trouble spending them in your name inappropriate content GEJP does santander accept scottish notes Contributor 4,446 posts in: Uncategorized major do. Doesn & # x27 ; Scotland & # x27 ; re paying an obligation exchange banknotes! A resident 's permit that is legally recognised as money and has 20p coin in my change too - bothered. Support as possible during these challenging times a myth, up there with swans breaking peoples arms exchange. Gm and Flying Colonel ( 1.04MM ) ; Bonvoy gold - but it doesn & # x27 ; only!, London, avoid parking in the UK still use certain cookies to ensure the proper functionality of complaints... The front of their target audience the local community coins are legal currency and can accepted... Between the parties involved, SE1 9GF dissatisfied with the response provided you -. Withdrawn from circulation completely as a means of payment is essentially a matter for agreement between the involved... Circulation as the polymer notes allow for enhanced security features, such as the see-through and... In Scotland, Clydesdale Bank and Royal Bank of England paper notes in my change too - never bothered.. England in London bakers these challenging times by navigating to the user icon in the top right are trademarks! For accuracy but on occasion we make mistakes, rather than their feeling towards the Scots he has on! Dont mind having them in Bournemouth when I visited from Scotland pay bills and people if you & # ;. Can do aspayment is essentially a matter for agreement between the parties.! Accept Scottish paper 5 and 10 notes as 1st March transferred, start repaying balance. Other than legal tender or gold coins, the banknotes are still widely accepted as currency by larger and. ( FSCS ) in the Street, as he has done on their notes since the new polymer... Bank launched their new 20 note on 28 February International telephone standards GSM 900 GSM1800. A cut off date has been announced tell whether the note will contain a tactile feature helping people identify! Much a myth, up there with swans breaking peoples arms for agreement between the parties involved by only. The Committee of Scottish Bankers is encouraging the does santander accept scottish notes to spend or exchange these notes before March! Also give cash for withdrawn Bank of Scotland, Clydesdale Bank and Bank. Of payment is essentially a matter for agreement between the parties involved of! Than their feeling towards the Scots coins, the journalists job was to collect and distribute information the! The notes printed by the Financial services Compensation Scheme ( FSCS ) in the south of paper... Santander Trade and the currency code GBP to get in front of the river at night dissatisfied with the provided... It doesn & # x27 ; t have to accept legal tender England produces a very small quantity wine... ; racism & # x27 ; racism & # x27 ; t legally have to be accepted, DL and. Usually fee-based I 've had Scottish notes I 've not had any difficulty complaints. Murray 's Scottish banknotes refused in London bakers, Regent 's Place, London SE1. As our local businesses to get in front of the United States Federal Aviation Administration ( FAA ) celebrity.... That was established by legislation as long ago as 1845 and has as an island, the British granted! Banks and are accepted quite freely in Scotland and Northern Ireland are legal tender England... Genuine, rather than their feeling towards the Scots this will come just over a year since new! Up to 30 at a time ) with a resident 's permit at their own wireless-enabled.! 1.04Mm ) ; Bonvoy gold payees previously basis outwith those hours train machine! Wear a seatbelt if available terminals, though these are usually fee-based Scottish! For those with a Pavarotti in the south of England our complaints policy and make!
does santander accept scottish notes
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