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Thread: Best bank to open a bank account with

  
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    Best bank to open a bank account with

    I'm looking to open a new bank account for the money I get paid with my new job, I already have an account with Lloyds tsb but I've had a few problems with them recently and would like to switch. It'd only be a direct debit account and not one with a credit card.

    So anyone willing to offer any advice as I am clueless at the moment

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    The wife's with Lloyds and she's had a few problems with them
    I've been with Barclay's for years and no problems at all
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    Im with NatWest, for 3 accounts with them.
    Never had a problem with them, always very friendly and if I want to discuss something on my account I usually can within the same or next day.

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    Never had a prob with Nat West in over 25 years

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    Been with HSBC for 6 years and never had a single problem with them. Online banking with them is very good too.

    Also have a Sainsburys savings account + a sainsburys credit card and there online banking is brilliant, though not 100% sure if they do normal accounts.

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    Quote Originally Posted by Ffoeg View Post
    Never had a prob with Nat West in over 25 years
    I've just applied for a STEP account at NatWest.

    With Lloyds, they take £30 off me every time I go overdrawn. The other night I checked my balance, I had £23 with £10 available. The next time I checked I was £25 overdrawn with £60 just going out and I hadnt even bought anything in that time period.

    Going in tomorrow to have a word.

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    i used first direct ever since they started,and have won best bank/customer service awards.and even wen i has money probs they were there to help,even wen i went over my overdraft,never charged me. and tbh a free £200 overdraft aint to be sniffed at

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    halifax seems to be the best for me.
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    Quote Originally Posted by Tlee View Post
    It'd only be a direct debit account and not one with a credit card.

    So anyone willing to offer any advice as I am clueless at the moment
    when you sat credit card do you actually mean a credit card or a debit card? (e.g a Visa Debit or Switch so you can use it in shops?) or do you litterally want a basic account which gives you a card you can only use in cash points?

    all banks by law have to offer a basic account which doesnt involve a credit search and will give you a basic card which most if not all shops wont accept but will give you direct debits/cash point card if thats what you want,

    otherwise if you want a proper current account with a visa card/cheque book etc then to be honest all the banks will be similar,
    i work for barclays so have my accounts with them and generally think they are pretty good but natwest etc will offer the same, my advice would be dont even consider halifax/nationwide type places they are never good, and I get alot of people with problems with lloyds and HSBC so would stick to either natwest or barclays, ive had accounts with both and thought/think they are both pretty good just natwest was a bit of a hard sell everytime i went in there but they were good,
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    I've been with the halifax for over 15 years now. Never had any problems.

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