- Northern Ireland £20 note.
The Scottish ones aren’t always accepted either never have any issue up here being so close but I’ve had funny looks handy them over elsewhere. A shop in Wales stood and stared at it for a few seconds until I offered to walk out without my shopping and take my money elsewhere.Posted 4 years agopolyMember
Same status as Scottish notes. Contrary to popular claims they are not “legal tender”* – but many places will take them if they recognise them. Any problems any bank should take them. They are more likely to be accepted close to places where people travel between NI and the mainland e.g. near ferry terminals, airports etc, or where there are large numbers of students.
* actually legal tender would only help if you are paying a fine, ordinary shop keepers can decide what to accept / decline themselves.Posted 4 years agoSwelperMemberPosted 4 years ago
Are Scottish & Northern Ireland notes “legal tender”?
In short ‘No’ these notes are not “legal tender”; furthermore, Bank of England notes are only legal tender in England and Wales. Legal tender has, however, a very narrow technical meaning in relation to the settlement of debt. If a debtor pays in legal tender the exact amount he/she owes under the terms of a contract (and in accordance with its terms), or pays this amount into court, he/she has good defence in law if he/she is sued for non-payment of the debt.
In ordinary everyday transactions, the term “legal tender” in its purest sense need not govern a note’s acceptability in transactions. The acceptability of a Scottish or Northern Ireland note as a means of payment is essentially a matter for agreement between the parties involved. If both parties are in agreement, Scottish and Northern Ireland notes can be used in England and Wales. Holders of genuine Scottish and Northern Ireland notes are provided with a level of protection similar to that provided to holders of Bank of England notes. This is because the issuing banks must back their note issue using a combination of Bank of England notes, UK coin and funds in an interest bearing bank account at the Bank of England. More information on these arrangements can be found at
Depends on where you go. Scottish notes are legal tender in my part of the UK. 🙂Posted 4 years ago
I have rarely had problems spending Scottish money in England although it sometimes gets funny looks. They don’t often see Scottish notes I imagine so I can let it go. Probably not helped by the fact we have three different sets of bank notes. You should be fine most places. Smaller retailers might be wary.
Seen that Michael MacIntyre sketch before. It is pretty funny.
Reminds we of a time when I tried to make a mortgage overpayment whilst on a trip to the in laws in Surrey. I handed the girl behind the counter £500 cash in Scottish notes. I think she almost s**t herself. They were accepted.johnellisonMember
Depends how old the note is. If you acquired it recently it shouldn’t be a problem, but remember a few years ago (2004 I think it was) there was a mahoosive bank robbery in Northern Ireland?
Well after that, both the Northern Bank and Ulster Bank issued £300m of completely new notes of £10 and over so that anything issued previously wasn’t legit. Anyone who had old notes legally could swap them for new ones.
I have a Bank of Ulster £10 note which was issued before the robbery and I can’t get shut anywhere, even in Northern Ireland.Posted 4 years agoBlindMelonMember
As long as its not a Northern Bank not circa 2004 you’ll be grandPosted 4 years ago
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