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The Top Easy Access Savings Discussion Area

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  • Jazzy_B
    Jazzy_B Posts: 1,810 Forumite
    I opened 3 tsb accounts online last week by using new accounts page. I had to create 3 different user names. I phoned straight after accounts were opened, and was told I should have only been able to open one new account each day. The person I spoke to was able to amalgamate all three accounts to my user id of choice. I got 3 online activation codes on the same day, and had to use all three before I got the right one to set up online banking. I was also told that £1000 per month deposit did not need to be from another bank, and could be transferred between the three accounts. Wish I'd done this before :)
  • youtellme90
    youtellme90 Posts: 54 Forumite
    I don't suppose you know if when opening 3 accounts they ran 3 credit searches? If they ran one at all?

    I've currently got 1 Lloyds, 1 TSB and 1 BoS. When I opened then BoS were the only ones who ran a credit search, but although I'd like to open another 1 or 2, I don't want them running another search.

    I guess I could always phone and ask, if they say they run the search I say no thank you. Simple really I suppose...
    Better to keep silent and thought a fool than to open your mouth and remove all doubt.

    All views expressed here are my own and do not represent those of my family, friends or employer.
  • 10_66
    10_66 Posts: 3,452 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    youtellme90 wrote: »
    I don't suppose you know if when opening 3 accounts they ran 3 credit searches? If they ran one at all?

    I've currently got 1 Lloyds, 1 TSB and 1 BoS. When I opened then BoS were the only ones who ran a credit search, but although I'd like to open another 1 or 2, I don't want them running another search...


    When I recently opened t TSB they carried out 3 searches for them.
  • youtellme90
    youtellme90 Posts: 54 Forumite
    Did they advise you of this fact beforehand?
    Better to keep silent and thought a fool than to open your mouth and remove all doubt.

    All views expressed here are my own and do not represent those of my family, friends or employer.
  • itwiz
    itwiz Posts: 38 Forumite
    Hi, hope this is the right thread.

    I need an online easy access account, MSE recommends one from ICICI. Whilst MSE states that it has "unlimited withdrawals", the ICICI web site suggests there are charges.

    The account looks like it was devised for people transferring money around India, which I have no interest in. All I need is a UK account with online access that I can transfer money into and out of, whenever required, without a fee.

    Can anyone with this account please clarify whether the charges apply to transferring in the UK, or whether these only apply to Indian accounts?

    TIA.
  • innovate
    innovate Posts: 16,217 Forumite
    10,000 Posts Combo Breaker
    Withdrawals to your linked UK current account are free, unless you ask for a CHAPS transfer which costs £20.
  • itwiz
    itwiz Posts: 38 Forumite
    innovate wrote: »
    Withdrawals to your linked UK current account are free, unless you ask for a CHAPS transfer which costs £20.

    Awesome, thanks for the clarification.
  • bob792
    bob792 Posts: 112 Forumite
    Part of the Furniture 100 Posts
    Welcome to Club Lloyds

    https://www.clublloyds.com/

    "Club Lloyds is a current account offering more to enjoy. As a Club Lloyds member, you can choose one Lifestyle Benefit each year per account. You can pick a different one for each account every year, as long as you remain a Club Lloyds customer.
    Pick from
    • 6 Vue cinema tickets
    • Annual Gourmet Society membership
    • Annual magazine subscription (digital or printed)
    Log in to choose or change your Lifestyle Benefit."


    Site set up for an external company to run the freebies for the new current account. The only thing it tells us about the new account is that we can have more than one of them.
  • isofa
    isofa Posts: 6,091 Forumite
    edited 6 March 2014 at 1:05PM
    bob792 wrote: »
    Welcome to Club Lloyds

    https://www.clublloyds.com/

    "Club Lloyds is a current account offering more to enjoy. As a Club Lloyds member, you can choose one Lifestyle Benefit each year per account. You can pick a different one for each account every year, as long as you remain a Club Lloyds customer.
    Pick from
    • 6 Vue cinema tickets
    • Annual Gourmet Society membership
    • Annual magazine subscription (digital or printed)
    Log in to choose or change your Lifestyle Benefit."


    Site set up for an external company to run the freebies for the new current account. The only thing it tells us about the new account is that we can have more than one of them.

    Is that a scam? Firstly it's not hosted on the Lloyds banking website, secondly the link to the Lloyds website (http://www.lloydsbank.com/cl/lifestylebenefits) doesn't exist. Be wary, might be fine (presumably if it is, it's one of those paid for current account deals with benefits...), but I'm suspicious of anything related to banking that doesn't have corresponding info on the banking host site!

    In addition searching the actual Lloyds site for "club lloyds" returns nothing...
    https://www.google.com/search?lr=&as_qdr=all&q=club+lloyds+site:www.lloydsbank.com#as_qdr=all&lr=&q=%22club+lloyds%22+site:www.lloydsbank.com


  • bob792
    bob792 Posts: 112 Forumite
    Part of the Furniture 100 Posts
    isofa wrote: »
    Is that a scam? Firstly it's not hosted on the Lloyds banking website, secondly the link to the Lloyds website (http://www.lloydsbank.com/cl/lifestylebenefits) doesn't exist. Be wary, might be fine (presumably if it is, it's one of those paid for current account deals with benefits...), but I'm suspicious of anything related to banking that doesn't have corresponding info on the banking host site!

    I would be very surprised if it was a scam. A whois search shows that the new website is registered to Lloyds Bank PLC, 25 Gresham Street, London. Since the info on this forum is that the new account to replace the 3% Vantage for new customers is likely to be launched in a few weeks time, I wouldn't expect any links to be active from the main Lloyds site yet. What would be the motive for a scam anyway?
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