AL Premier Direct and (Alternating?) Current Accounts

grumbler wrote:

IMO the only essential difference is that:

• Primier Direct offers good 5% rate on balances up to £2500
• Premier offes just 1.5% rate on the same balance, but comes with free annual european travel insurance.

I have Premier with insurance and keep money in Online Saver.
Don't foget to be referred to get £50+ (drops to £25 soon).

Thank you Grumbler and YorkshireBoy, I've applied now.
By all evidences AL is the bank with the best conditions around. Also a ++ point for me, it's the only one where I was able to open an account, mentioned below, without the nuisance paperchase proofs of ID/residence &c. Whassa point of all that I say since I know the others then still checked up on me thro' the credit agencies etc.? And what does this prove about the plea of the others 'we have to do it, it's not us it's a govt. requirement'?

OTOH AL's online computer part, its public presentation, is the worst and least competent of any bank I know. E.g.: I had to ask this help because I was just going round in circles, clicking on things that said 'find out more' and you didn't; e.g. their terminology is confusing; e.g. I already do have an 'online saver' some sort of bond, not the same as I am looking for now, their terminology is confusing; e.g. because of this bond I already have online access and know they have just introduced an extra security layer which is just laughable I can't see how it adds a thing except maybe to stop me logging into someone else's account by mistake which I hope was impossible anyway, but it has resulted in a messed-up screen with text in odd format splatched on top of other text, fortunately so far I could read what's underneath; e.g. and there are defects on their application forms too.

I can even make a guess why it's like this having worked in an office which caused similar problems to those accessing us. The staff test the system and say look it's working perfectly, but it's working perfectly for them because they are accessing it from inside the same organisation or same computer and don't realise what it looks like to those accessing it from outside.