[PoleKing]

Is that all I'd give up and go and earn some proper money.  
Not sure if your trying to show off I think you should phone up some banks or look online to see what the charges are. Tut wouldn't bother getting out of bed for that meezley ammount !!!!!

I would say join my bank, but it's a minimum of 1 million in your account O well keep at it pmsl !!!!!

On another note it's not bad lil turn over so why worry about the small bank charges 👳👳👳

Trying to show off? I would show you a pic of my wife, my Q7 and my house if I want to show off....

It was a simple question because I do not agree with the bank charges. At the end of the day, they are using my money every month, so why do they charge me extra? They should give ME money not to put my money somewhere else.

In my world these are not small charges.

Get a proper motor 

[8weekly]

Is that all I'd give up and go and earn some proper money.  
Not sure if your trying to show off I think you should phone up some banks or look online to see what the charges are. Tut wouldn't bother getting out of bed for that meezley ammount !!!!!

I would say join my bank, but it's a minimum of 1 million in your account O well keep at it pmsl !!!!!

On another note it's not bad lil turn over so why worry about the small bank charges 👳👳👳

Trying to show off? I would show you a pic of my wife, my Q7 and my house if I want to show off....

It was a simple question because I do not agree with the bank charges. At the end of the day, they are using my money every month, so why do they charge me extra? They should give ME money not to put my money somewhere else.

In my world these are not small charges.

you've got a sexy wife because you are rich?

Reminds me of Mrs Merton interviewing Debbie McGee and asking, "What part of the millionaire Paul Daniels was it you fell in love with?" 

[arsenalhu]

Yeah it's a pain when the charges kick in, I pay £1.50 per cheque and nothing on internet payments, plus £6.50 per month.

Can I setup a personal account and just re-name it as my business name and pay them into that and then transfer to my business?

It is a good idea, but I think the bank will not let you name it as your business. Will ask my accountant, he might be able to come up with an idea

[Arnold Palmer]

Go into a branch and ask to speak to a "manager".

These are a very rare breed (almost extinct nowadays) of banker whose job it is to ensure the banks customers get a good deal. If you go into a branch and are told that that particular bank doesn't have a "manager" leave and go to a different bank.

Online banking is great for day to day stuff but what do you do when things go wrong? Phone India? No thanks.

I pay charges at the bank - nothing like the amounts discussed, but enough - worth every penny as if there is a problem I speak to Mr Brodie, my "bank manager" who helps me out.

[Tom-01]

Another idea I had was getting the guy who works for me to setup an account and name it and I give all cheques to him as his wages, that way my turnover stays lower so pay less VAT and I save a small fortune on bank charges. He is self employed and has other means of income so I don't need to employ him.

That may been as sailing too close to the wind by HRMC bud.
I think they'd want to class it as your turnover.

I don't see how? If the guy working for me isn't employed by me and he's getting paid direct from the client it should be ok? He wouldn't have exactly the same business name, maybe just the first bit. It's not really any different to anyone who is a franchisee, taking their own money?

[Arnold Palmer]

If the guy working for me isn't employed by me

How can he be working for you if you haven't employed him to do so?

[LT carpet cleaning]

Yeah it's a pain when the charges kick in, I pay £1.50 per cheque and nothing on internet payments, plus £6.50 per month.

Can I setup a personal account and just re-name it as my business name and pay them into that and then transfer to my business?

It is a good idea, but I think the bank will not let you name it as your business. Will ask my accountant, he might be able to come up with an idea

Your accountant must be crap if he hasn't given you advice about what to do with your banking. I suggest using your "wealth" to get a proper accountant. 

[PoleKing]

Another idea I had was getting the guy who works for me to setup an account and name it and I give all cheques to him as his wages, that way my turnover stays lower so pay less VAT and I save a small fortune on bank charges. He is self employed and has other means of income so I don't need to employ him.

That may been as sailing too close to the wind by HRMC bud.
I think they'd want to class it as your turnover.

I don't see how? If the guy working for me isn't employed by me and he's getting paid direct from the client it should be ok? He wouldn't have exactly the same business name, maybe just the first bit. It's not really any different to anyone who is a franchisee, taking their own money?

In Soupy's words 'ask an accountant, that is all'   
I'm not saying don't. I'm just saying, be aware.

[Tom-01]

If the guy working for me isn't employed by me

How can he be working for you if you haven't employed him to do so?

He's a subbie who does average 4 days a week for me and earns money elsewhere so he's not employed.

[Tom-01]

Another idea I had was getting the guy who works for me to setup an account and name it and I give all cheques to him as his wages, that way my turnover stays lower so pay less VAT and I save a small fortune on bank charges. He is self employed and has other means of income so I don't need to employ him.

That may been as sailing too close to the wind by HRMC bud.
I think they'd want to class it as your turnover.

I don't see how? If the guy working for me isn't employed by me and he's getting paid direct from the client it should be ok? He wouldn't have exactly the same business name, maybe just the first bit. It's not really any different to anyone who is a franchisee, taking their own money?

In Soupy's words 'ask an accountant, that is all'   
I'm not saying don't. I'm just saying, be aware.

Soupy is wise as are you Poleking

[PoleKing]

Lol.
I'm not. And soupy couldn't be further from wisdomous! 

Just a technicality on 'employed'.
I don't have employees, other than myself & the wife.
I only have subbies.
But for my insurance, the subbies are insured pretty much as employees. They have to be, legally. Even though they have to have their own PL insurance too!

[Arnold Palmer]

Another idea I had was getting the guy who works for me to setup an account and name it and I give all cheques to him as his wages, that way my turnover stays lower so pay less VAT and I save a small fortune on bank charges. He is self employed and has other means of income so I don't need to employ him.

That may been as sailing too close to the wind by HRMC bud.
I think they'd want to class it as your turnover.

I don't see how? If the guy working for me isn't employed by me and he's getting paid direct from the client it should be ok? He wouldn't have exactly the same business name, maybe just the first bit. It's not really any different to anyone who is a franchisee, taking their own money?

In Soupy's words 'ask an accountant, that is all'   
I'm not saying don't. I'm just saying, be aware.

Soupy is wise as are you Poleking

I have been called many things. Wise is a new one though.

[davids3511]

Is that all I'd give up and go and earn some proper money.  
Not sure if your trying to show off I think you should phone up some banks or look online to see what the charges are. Tut wouldn't bother getting out of bed for that meezley ammount !!!!!

I would say join my bank, but it's a minimum of 1 million in your account O well keep at it pmsl !!!!!

On another note it's not bad lil turn over so why worry about the small bank charges

Trying to show off? I would show you a pic of my wife, my Q7 and my house if I want to show off....

It was a simple question because I do not agree with the bank charges. At the end of the day, they are using my money every month, so why do they charge me extra? They should give ME money not to put my money somewhere else.

In my world these are not small charges.

you've got a sexy wife because you are rich?

Reminds me of Mrs Merton interviewing Debbie McGee and asking, "What part of the millionaire Paul Daniels was it you fell in love with?" 

Mrs Merton is one of my customers.