If you owed £9.99 and made a transfer would you ….

[FormerlySpeckledyHen]

….transfer £9.99 or £10?

I would transfer £10 in the same way that I would give a tenner in cash.

If it was for friends/family, then yes, I'd sent £10. If it was a company then no.

I’d transfer £9.99. I’d give £10 cash. Rounding to £10 cash is just to avoid giving a load of loose change. Not an issue with a bank transfer.

To friend or family I would send £10.

To a business probably £9.99

Depends who it’s for - I’d transfer a tenner for friends or family, but £9.99 if it was for a business transaction.

I very rarely round up for a transfer - it’s not like they need to give you change!

This ^^

An extra penny to a friend would be fine but I wouldn't be rounding it up for a business.

Probably £9.99, it's not as if that's any more bother than tapping in £10.00. Nobody's going to be chuffed that I slung an extra 1p their way so I'd stick with being exact.

If it were to a business I would send £9.99. Not because of the penny, but as a business owner it helps me if the amount paid corresponds exactly with the amount invoiced.

I’d probably transfer £10, but it wouldn’t bother me at all if someone owed me £9.99 for something and that was how much they put in my account.

I do the exact amount. If it was 10.47 would I be rounding to 10.50 or 11.00? Or 15.00 based on notes?

I always round it up.

I'd do 9.99 so they could spot it had been paid more easily, I'd prefer the same if I was receiving a transfer. I find it hard to match payments up if they're not the exact amount

Came on to say this!

For a business it’s important that you transfer the exact amount for book keeping purposes. You’re doing no one any favours to send a tenner. Personal, up to you, but I’d send the exact amount just because I like clear finances

Tenner in cash is just to avoid the loose change issue...if doing a transfer, I'd do the exact amount.

Assuming we're talking about friends I always round up, but experience tells me I'm in a huge minority!

I did somebody a big favour yesterday, booked a flight that was a right pain to organise, and when they transferred me £XXX.98 I have to admit that I did roll my eyes, my time wasn't even worth 2p!!

Kind of weird though - you've acknowledged it was a favour, which is something that doesn't require any compensation (by definition?) but seem to have felt you were owed it. And then received full payment. And seem to think that you're not BU?

This is bizarre?! Would you have felt better if they'd transferred you 2p?

But it's 2 p. The extra amount is so small it's not worth bothering about or looking for any meaning in either way. It's not like you're going to run off and buy yourself a treat with your 'bonus' 2 p.

I've probably done both tbh. It looks like there's people seeing people as tight if they don't round up, which is ridiculous. If it was done in cash, no-one's bothered about fiddling around with trivial amounts of change, but that's not an issue for bank transfers, so why not send the exact amount.

For the people who round up, what sort of amount wouldn't you round up?

What if it was £12.10? £13.70? £14.50?

I wouldn't round up for a transfer.

No, I transfer the exact amount with my name as the reference to make it easier to spot.

it’s not like it’s harder to transfer 9.99 than 10.00.

in fact, it’s 1 less digit so it’s technically easier…

I would never round up. I don't understand it.

If someone owed me 9.99 and gave me 10.00 in cash, I'd give them the penny back too!

I would round up if cash as wouldn't expect them to refund me 1p but for a bank transfer I would generally pay the right amount as it's then easy to calibrate my accounts. For instance, if I've bought something for £9.99 and I want to check it's showing correct in my account, it's easier to identify the payment if it matches if that makes sense!

Ha! Yes I was irked by the 2p!

It seems I'm fully entrenched in the rounding up camp and unable to see others point of view!

Exact money so it can be easily referenced.