Inside Money

What happens to your money between its leaving your account and appearing in your payee's? The Inside Money team take listener Sue Clayton on a mission to find that mysterious hole in the universe where your money sits for three days or more earning interest for someone, but not you.

Sue runs a small livery business in Oxford. She buys her horses' feed locally and pays promptly but, even though she now banks on-line, her payments are not cleared any faster.

Barclays seems a little shy about responding to Sue's questions: they will let her into the head office alone, but the Inside Money team must stay outside.

Sue learns that money is actually moved to a big central account and invested overnight. No one will tell her quite how much money is involved and quite how much interest is earned. Mum's the word.

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