Forums > Model Colloquy > Bank transfer

Model

Marina C

Posts: 3

London, England, United Kingdom

Hello, I was talking with a photographer about paid work. He said that he can't paid in cash. He wants pay by Bank Transfer.
Is this secure? Can I have problems with the bank (I'm not registered as a self-employement)
Thank you and sorry if the message have mistakes.

Dec 07 12 11:59 am Link

Photographer

M Pandolfo Photography

Posts: 12116

Tampa, Florida, US

Just Say No.

Dec 07 12 12:03 pm Link

Photographer

Ash Photographic

Posts: 378

Cirencester, England, United Kingdom

You don't need to be registered as self-employed to receive a bank transfer. Banks are under no obligation to tell anybody other than you what goes into your account so your conscience will be the only thing keeping you awake at night if you don't declare the earnings.

It's as secure as writing a cheque (where your sort code and account number are also visible).

I'd rather use a bank transfer than Paypal anyday!

Dec 07 12 12:05 pm Link

Photographer

Leonard Gee Photography

Posts: 16413

Sacramento, California, US

No account numbers, no fees
at least one of the people involved in each transfer must be a Chase customer
https://www.chase.com/online-banking/quickpay

The little gotchas:
http://www.gobankingrates.com/checking- … o-promise/

Dec 07 12 01:01 pm Link

Photographer

markEdwardPhoto

Posts: 1325

Trumbull, Connecticut, US

I have been recommending to Model and Photogs alike to GET SQUARE (squareup.com) and then you can easily take Credit/Debit Cards with you smartphone. The 2% fee you pay is more than worth the hassle.

M

Dec 07 12 01:53 pm Link

Model

Jojo West

Posts: 972

Silver Spring, Maryland, US

Marina C wrote:
Hello, I was talking with a photographer about paid work. He said that he can't paid in cash. He wants pay by Bank Transfer.
Is this secure? Can I have problems with the bank (I'm not registered as a self-employement)
Thank you and sorry if the message have mistakes.

Pay pal is your friend. You can even take credit cards with paypal now. I have a little swipe machine I plug into my phone and I can charge their cards.

Giving them banking information? NO...Never give out your personal banking information.

Dec 07 12 01:55 pm Link

Photographer

B R U N E S C I

Posts: 25319

Bath, England, United Kingdom

Jojo West wrote:
Giving them banking information? NO...Never give out your personal banking information.

Have you never written anybody a cheque?




Just my $0.02

Ciao
Stefano
www.stefanobrunesci.com

Dec 07 12 01:56 pm Link

Model

Jojo West

Posts: 972

Silver Spring, Maryland, US

-B-R-U-N-E-S-C-I- wrote:

Have you never written anybody a cheque?

Just my $0.02

Ciao
Stefano
www.stefanobrunesci.com

As a matter a fact I have, and I've had that person turn around and forge checks with the information on the check I provided to them. It's quite the lucrative business smile

Most photographers I've worked with have no issue paying cash or credit. The photographer could've offered a check as well. Also...most banking institutions charge for bank transfers, most folks aren't eager to pay extra money on top of what they're already paying.

Dec 07 12 02:29 pm Link

Photographer

J O H N A L L A N

Posts: 10320

Santa Ana, California, US

Jojo West wrote:
As a matter a fact I have, and I've had that person turn around and forge checks with the information on the check I provided to them. It's quite the lucrative business smile

Ah - no, it really isn't

Jojo West wrote:
Most photographers I've worked with have no issue paying cash or credit. The photographer could've offered a check as well. Also...most banking institutions charge for bank transfers, most folks aren't eager to pay extra money on top of what they're already paying.

Again. Ah no not really, not if you're an established customer. We don't pay anything for wire transfers on our business bank account. But - the last thing I'd want to do is pay a model by wire transfer - I pay business expenses by business check, just like virtually every other legitimate business.

Also, if the photographer is a business (ie. a professional), he's not going to pay cash for what is a business expense. Leave cash paying to the amateurs who are paying to peep at newd girls.

Dec 07 12 02:41 pm Link

guide forum

Model

Damianne

Posts: 15975

Austin, Texas, US

You could use paypal if you want to provide a buffer, but charge an extra $5 for the fees to remove the funds.

Some banks also have secure transfer methods.

Dec 07 12 04:23 pm Link

Model

Marina C

Posts: 3

London, England, United Kingdom

Hi, Thank you for the answers!
Now he wants give me a cheque, I think this is better for me.

Dec 08 12 01:01 am Link

Model

Cole Morrison

Posts: 3958

Portland, Oregon, US

Use paypal!

Or get a money order.

Dec 08 12 01:46 am Link

Photographer

hbutz New York

Posts: 3236

Ronkonkoma, New York, US

Marina C wrote:
Hi, Thank you for the answers!
Now he wants give me a cheque, I think this is better for me.

No.  Just walk away.

Dec 08 12 11:34 am Link

Photographer

Vector One Photography

Posts: 2777

Fort Lauderdale, Florida, US

Not in a million years. It's right up there with the Nigerian check scam. Depending on financial institutions it may supply them with account information you don't want them to have.  I have an account I use for paypal, I don't keep any money in it until I want to use it. If pressed I could use it for bank transfer as if something nasty was to happen I don't keep any money in it. If you want to keep an account with no money in it just in case things go wrong then maybe but otherwise.... no

Dec 08 12 11:45 am Link

Photographer

Yanki Yuksel

Posts: 1771

Mississauga, Ontario, Canada

Vector One Photography wrote:
Not in a million years. It's right up there with the Nigerian check scam. Depending on financial institutions it may supply them with account information you don't want them to have.  I have an account I use for paypal, I don't keep any money in it until I want to use it. If pressed I could use it for bank transfer as if something nasty was to happen I don't keep any money in it. If you want to keep an account with no money in it just in case things go wrong then maybe but otherwise.... no

HUH?

Interac email transfers are the best thing since sliced bread.  You don't have to worry about the paypal fees.  Interac email transfer is the same as you using your bank card to do a transaction.  It's completely secure.

You don't supply anyone any account information.  You give them an email address.

When you get the payment, just click on the link to your financial institution and you will log into your own online banking where you will accept the cash.

I have used this many times and my clients love the fact that they can send me deposits this way.

Yanki

http://www.yankiyuksel.com

Dec 08 12 11:44 pm Link

Photographer

Cover ready

Posts: 308

Miami Beach, Florida, US

-B-R-U-N-E-S-C-I- wrote:
Have you never written anybody a cheque?

Just my $0.02

Ciao
Stefano
www.stefanobrunesci.com

Dec 08 12 11:46 pm Link

Photographer

Cover ready

Posts: 308

Miami Beach, Florida, US

Photoholic wrote:

Dec 08 12 11:49 pm Link

Photographer

Cover ready

Posts: 308

Miami Beach, Florida, US

Photoholic wrote:

lol

Dec 08 12 11:51 pm Link

Photographer

Kent Art Photography

Posts: 2916

Ashford, England, United Kingdom

Photoholic wrote:

You've got a lot to say for yourself.


It would seem from some of the other posts that some people don't know how to do business.

Dec 08 12 11:54 pm Link

Photographer

Bravo Magic Images

Posts: 765

Temple City, California, US

Paypal charges you fees for every transaction and a bank transfer is just that you give that person your account number and the name of the bank that is all they can only transfer funds to your account with out your pin or other info such as your SS they can not check for anything on your account. I have often transfered money to my girlfriend when she was broke or needed money and have payed my brother with Transfer of funds from my account to their account. I belive CHASE is the only bank that does that with out chargeing you fees if the account that the funds are being transfer to are from Chase to Chase I have no idea if they charge if the other person does not bank with Chase but you can always check with them.

Dec 08 12 11:54 pm Link

Photographer

Azimuth Arts

Posts: 1490

Toronto, Ontario, Canada

Yanki Yuksel wrote:
HUH?

Interac email transfers are the best thing since sliced bread.  You don't have to worry about the paypal fees.  Interac email transfer is the same as you using your bank card to do a transaction.  It's completely secure.

You don't supply anyone any account information.  You give them an email address.

When you get the payment, just click on the link to your financial institution and you will log into your own online banking where you will accept the cash.

I have used this many times and my clients love the fact that they can send me deposits this way.

Yanki

http://www.yankiyuksel.com

Interac is great for Canadians, but not available by that brand outside of Canada right now that I know of.  But the UK (where the OP is based) may have a similar service which can be done by email.

I use e-transfer for paying all llamas and MUA as it is a business expense and I prefer not to write cheques.  And some people are worried about a cheque not clearing.  I can send an e-transfer from my phone at the end of the shoot as long as I have set up the vendor (e.g. llama, MUA) in advance.

I do pay a small transaction fee to send the money, but there is not extra cost to the recipient. 

People I have a professional relationship with who don't want to be paid for services in a professional manner are welcome to get work elsewhere.

Just my $0.02

Dec 09 12 12:10 am Link

Photographer

Mark

Posts: 2893

New York, New York, US

I think its very odd that a photographer is willing to pay a very very very new model

Dec 10 12 07:20 pm Link

Model

P I X I E

Posts: 35327

Toronto, Ontario, Canada

Mark wrote:
I think its very odd that a photographer is willing to pay a very very very new model

Ah, you again eh?

Dec 10 12 07:41 pm Link

Photographer

Cherrystone

Posts: 36710

Columbus, Ohio, US

Jojo West wrote:

As a matter a fact I have, and I've had that person turn around and forge checks with the information on the check I provided to them. It's quite the lucrative business smile

Most photographers I've worked with have no issue paying cash or credit. The photographer could've offered a check as well. Also...most banking institutions charge for bank transfers, most folks aren't eager to pay extra money on top of what they're already paying.

Umm, no. So you're going to live your life & never write a check again? Well....you could come close in this day & age, but damn I've written thousands, probably tens of thousands of checks in my life. I've never had a problem and I don't have personal knowledge of anyone else falling prey to that "lucrative business" you speak of.

I make bank transfers often, never paid for one yet.

Depends on whom you're working with, I can about guarantee were I ever paying you, it would be with a check.

It's how a real business works. Try claiming massive amounts of cash deductions on your next tax return, let me know how that works out for you. smile

Dec 11 12 01:27 am Link

Photographer

JonSeneca

Posts: 416

New York, New York, US

This is a very secure form of payment.

Dec 11 12 01:33 am Link

Photographer

Jeffrey M Fletcher

Posts: 4344

Asheville, North Carolina, US

About half the answers in this thread seem like people are using a framework of a secretive economy of questionable legality, which is exciting but seems to me to be better matched with drug deals or escorts.

Checks and bank transfers are common and legitimate. Yes, they are abused. I would think you generally wouldn't want to be modelling for the same people who are involved in wire fraud or forged checks.

I'd recommend that if it looks criminal, it's not worth the pictures or modelling fees.

Dec 11 12 03:38 am Link

Photographer

Photographe

Posts: 2350

Bristol, England, United Kingdom

Bank transfer is quite normal and safe.

If you want to make it as safe as possible, don't give your signature or date of birth, only your sort code and account number.

6 digit number and 8 digit number next to it on your card or chequebook. Your sort code and account number.

NOT the 16 digit number on your card.

Some accounts don't show 8 digit number on the card, only chequebook. This is mainly Natwest bank and some online banks.

Giving out your sort code and account number are safe as long as you don't give signature, date of birth and home address where bank is linked.

If you're signing a direct debit which asks those details, make sure the company is genuine. Only genuine companies can set up direct debits, not individuals.

Also you don't need to be self-employed to be paid.

Dec 11 12 04:06 am Link

Photographer

730372

Posts: 1952

Abbeville, Alabama, US

Ash Photographic wrote:
Banks are under no obligation to tell anybody other than you what goes into your account so your conscience will be the only thing keeping you awake at night if you don't declare the earnings.

Actually that's wrong - in the UK at least which is where the OP is currently based.

UK Banks have obligations under money-laundering regulations to review and if appropriate report activities covered by the regulations including tax evasion. Most banks have software which identifies unusual transactions in a person's account. And counter staff are trained to identify and report activities/transactions which are unusual or suspicious.

Dec 11 12 04:31 am Link

Photographer

Barely StL

Posts: 915

Saint Louis, Missouri, US

Leonard Gee Photography wrote:
No account numbers, no fees
at least one of the people involved in each transfer must be a Chase customer
https://www.chase.com/online-banking/quickpay

The little gotchas:
http://www.gobankingrates.com/checking- … o-promise/

I'm not a Chase customer, and I don't know what they offer. However, in the US, the Federal Reserve charges the originator's bank $10 (last time I checked) to process a bank transfer. Most banks pass the charge on to the customer. All bank transfers that originate or end in the US must be handled by the Federal Reserve.

Either one should be secure. As the US central bank, the Federal Reserve probably has a higher rating by the credit agencies - but I'd bet that PayPal is more solvent.

Dec 11 12 04:34 am Link

Photographer

All Yours Photography

Posts: 2339

Toledo, Ohio, US

OP, pay much more attention to the folks responding from the UK.

I've seen enough in other threads to know that the banking system is different there than here.  Receiving transfers is safer there because you don't have to give them enough info for them to attempt to withdraw money from your account.

In the US, the data used for a deposit might be used to  pull funds out.

Dec 11 12 04:35 am Link

Photographer

730372

Posts: 1952

Abbeville, Alabama, US

Marina C wrote:
Hello, I was talking with a photographer about paid work. He said that he can't paid in cash. He wants pay by Bank Transfer.
Is this secure? Can I have problems with the bank (I'm not registered as a self-employement)
Thank you and sorry if the message have mistakes.

In the UK established businesses prefer to pay in a form other than cash in order to create a verifiable audit trail for their business transactions. So being paid by bank transfer or cheque is very common in the UK especially if the payer is a legitimate business. Many such businesses will not offer Paypal but it's worth asking.

However you should always satisfy yourself that the individual/business proposing payment by check or bank transfer is established and reliable. Unfortunately some people will either issue a cheque knowing that it will not be honoured by their bank or 'forget' to make a bank transfer after the shoot is finished.

So contact some of the models he's worked with before and ask them how payment was made and whether the whole process was satisfactory. You can also get a reference about his conduct during the shoot at the same time.

If you're unable to get satisfactory references as to conduct or payment then I recommend that for someone new to modelling such as yourself you give the shoot a miss.

Good luck smile

Dec 11 12 04:44 am Link

Photographer

L Bass

Posts: 957

Nacogdoches, Texas, US

hbutz New York wrote:

No.  Just walk away.

+1

Dec 11 12 05:00 am Link

Photographer

name removed3

Posts: 264

Boston, Massachusetts, US

Marina C wrote:
Hello, I was talking with a photographer about paid work. He said that he can't paid in cash. He wants pay by Bank Transfer.
Is this secure? Can I have problems with the bank (I'm not registered as a self-employement)
Thank you and sorry if the message have mistakes.

sounds very shadynasty to me

Dec 11 12 05:29 am Link

Model

Jojo West

Posts: 972

Silver Spring, Maryland, US

Small Fruit Pits wrote:

Umm, no. So you're going to live your life & never write a check again? Well....you could come close in this day & age, but damn I've written thousands, probably tens of thousands of checks in my life. I've never had a problem and I don't have personal knowledge of anyone else falling prey to that "lucrative business" you speak of.

I make bank transfers often, never paid for one yet.

Depends on whom you're working with, I can about guarantee were I ever paying you, it would be with a check.

It's how a real business works. Try claiming massive amounts of cash deductions on your next tax return, let me know how that works out for you. smile

Well the reason why I said it's a lucrative business is because I know first hand. I've been scammed and they didn't even have my D.O.B. and signature. Had an open file with the USSS for a while because they were investigating it. Oh yeah fun times! As far as claiming massive amounts of cash deductions? That's what a 1099 is for. Many people pay folks in cash and as long as it's recorded properly it's not an issue. Just like you can claim cash income smile Since I've worked in accounting for a LONG time, I can say, nope not an issue, if you keep proper records!

Dec 11 12 04:45 pm Link

Makeup Artist

Lauren Reynolds Makeup

Posts: 282

London, England, United Kingdom

Standard bank transfers are very safe and - in my experience, in the UK, quite a standard way of doing things. All you're giving out is your account number & sort code, it isn't your credit card number or personal identification - this numbers are supposed to be used for payments! I don't know why people think its so dodgy. Speak to your bank about it.

All you need to do a bank transfer is a normal regular bank account. It's even easier if you do Internet banking. My friends and I actually use transfers quite a lot to pay money back to each other etc.

I'd much rather bank transfer than a cheque, which can be a pain, bounce, take longer and you have to actually go and pay them in. You can do bank transfer even at the end of the shoot and have your money far quicker than a cheque. And I've never been charged for bank transfer.

I'd steer clear of Paypal for payments - as well as the fees, the payer has an opportunity to claim back the payment, and Paypal have made some pretty shocking decisions before - they often rule in favour of the payer & refund them out of your account. They can also freeze your account preventing you withdrawing your earnings. They're bloody evil!

Dec 11 12 05:50 pm Link

Photographer

Engage Photography

Posts: 30

Denver, Colorado, US

markEdwardPhoto wrote:
I have been recommending to Model and Photogs alike to GET SQUARE (squareup.com) and then you can easily take Credit/Debit Cards with you smartphone. The 2% fee you pay is more than worth the hassle.

M

This is the best advice. If you have a smartphone or iPhone you simply plug in & swipe. Very low transaction fees & can take payments from anyone including American express.

Dec 11 12 06:04 pm Link

Photographer

Good Egg Productions

Posts: 15710

Orlando, Florida, US

I'm far more interested in the reason the photographer gives for not being able to pay in cash.

If he can do a bank transfer and he can write a check, he can withdraw cash money from a bank and pay you in that cash.

When the deal seems weird, and then changes and still seems weird, it's weird.  Cash transactions are easy to complete, and very difficult to be a scam.

Dec 11 12 06:13 pm Link

guide forum

Model

Damianne

Posts: 15975

Austin, Texas, US

T B O L wrote:

Actually that's wrong - in the UK at least which is where the OP is currently based.

UK Banks have obligations under money-laundering regulations to review and if appropriate report activities covered by the regulations including tax evasion. Most banks have software which identifies unusual transactions in a person's account. And counter staff are trained to identify and report activities/transactions which are unusual or suspicious.

I hope to one day land a shoot that gets me enough money to warrant a UTR.
Maybe that explains why the photographer doesn't want to do the shoot with cash.

Dec 11 12 06:16 pm Link

Photographer

Christopher Daemon

Posts: 345

West Hazleton, Pennsylvania, US

Good Egg Productions wrote:
I'm far more interested in the reason the photographer gives for not being able to pay in cash.

If he can do a bank transfer and he can write a check, he can withdraw cash money from a bank and pay you in that cash.

When the deal seems weird, and then changes and still seems weird, it's weird.  Cash transactions are easy to complete, and very difficult to be a scam.

Very few businesses pay legitimate business expenses by cash. I don't know about the U.K. But in the us, if you pay someone over $600 in a year, you must file a 1099, and checks and/or bak transfers are much easier. Many legitimate businesses don't even have ATM cards for business accounts, requiring writing checks to cash, going to a bank, etc. Why should the photographer write a check, stand in line at a bank, get cash, ..who has that kind of time? Real businesses pay nothing except minor expenses in cash, hence the term "petty cash"

Dec 11 12 06:30 pm Link

Photographer

Rob Photosby

Posts: 2985

Brisbane, Queensland, Australia

Marina C wrote:
Hello, I was talking with a photographer about paid work. He said that he can't paid in cash. He wants pay by Bank Transfer.
Is this secure? Can I have problems with the bank (I'm not registered as a self-employement)
Thank you and sorry if the message have mistakes.

Northern Lights Images wrote:
sounds very shadynasty to me

Totally secure in Oz.

Not at all shady/nasty, merely sensible and practical.

One reason to pay by bank transfer is that it establishes beyond doubt that the model has been paid.

If she has been paid in cash, she may later dispute the fact, claim that the signature on the receipt is not hers, etc, etc. (Admittedly, few models would ever do that, but, just like dodgey photographers, dodgey models do exist.)

If she is paid via bank transfer, the evidence of payment is there on the bank statement for all time.

Moreover, in this part of the world, the money can be in her account within the hour, or, at worst, the next day.

Dec 12 12 06:15 am Link