We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Best Current Account?

2

Comments

  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    OMAR wrote: »
    cos my interest rate is base rate minus 1% and I fancy a new card!
    Others have reported being offered the intro rate again (currently 6.5% AER) for 12 months when they've intimated they'll be moving their account elsewhere. ;)

    And as for "I fancy a new card", well... :rolleyes:

    Unless you have older current accounts elsewhere, all this moving around will be impacting on your credit rating because 'time with bank' is a criterion in any credit scoring.
  • 97trophy
    97trophy Posts: 915 Forumite
    first direct are excellent!
  • emweaver
    emweaver Posts: 8,419 Forumite
    halifax cashback account i find good as they offer 1% cashback on all purchases
    Wins so far this year: Mum to be bath set, follow me Domino Dog, Vital baby feeding set, Spiderman goody bag, free pack of Kiplings cakes, £15 love to shop voucher, HTC Desire, Olive oil cooking spray, Original Source Strawberry Shower Gel, Garnier skin care hamper, Marc Jacobs fragrance.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    emweaver wrote: »
    halifax cashback account i find good as they offer 1% cashback on all purchases
    Hasn't been available to new customers for 12 months now, and is about to be withdrawn from existing customers as well. Expect a letter this month...

    http://www.hbosplc.com/media/pressreleases/articles/halifax/2008-12-12-Anewapproa.asp?section=halifax
  • emweaver
    emweaver Posts: 8,419 Forumite
    grr im only with them cos of the cashback as their cs is awful! will be switching accounts soon then
    Wins so far this year: Mum to be bath set, follow me Domino Dog, Vital baby feeding set, Spiderman goody bag, free pack of Kiplings cakes, £15 love to shop voucher, HTC Desire, Olive oil cooking spray, Original Source Strawberry Shower Gel, Garnier skin care hamper, Marc Jacobs fragrance.
  • emweaver
    emweaver Posts: 8,419 Forumite
    £5 a month is less than half of what i was earning before!

    surely this cant be right, will cost a fortune, atm i dont get charged for using my ARRANGED overdraft

    Customers using an arranged overdraft of up to £2,500 will be charged £1 per day for each day they use their overdraft. The OFT study into 'Personal Current Accounts in the UK' published in July this year showed that around two-thirds of all active accounts didn't use an arranged overdraft.
    Wins so far this year: Mum to be bath set, follow me Domino Dog, Vital baby feeding set, Spiderman goody bag, free pack of Kiplings cakes, £15 love to shop voucher, HTC Desire, Olive oil cooking spray, Original Source Strawberry Shower Gel, Garnier skin care hamper, Marc Jacobs fragrance.
  • Belnahua
    Belnahua Posts: 1,493 Forumite
    Cashback Cashier
    Norwich & Peterborough Building Society have a good account, The Gold Current Account. They unfortunately have dropped the interest rate to 0%, unless you pay in £1500 and opt out of paper statements.

    But their customer service is 2nd to none!

    http://www.npbs.co.uk/banking/
    A friend is someone who understands your past, believes in your future, and accepts you just the way you are.
  • emweaver
    emweaver Posts: 8,419 Forumite
    does anyone know of any other current accounts that offer cashback on your spending?
    Wins so far this year: Mum to be bath set, follow me Domino Dog, Vital baby feeding set, Spiderman goody bag, free pack of Kiplings cakes, £15 love to shop voucher, HTC Desire, Olive oil cooking spray, Original Source Strawberry Shower Gel, Garnier skin care hamper, Marc Jacobs fragrance.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    emweaver wrote: »
    surely this cant be right, will cost a fortune, atm i dont get charged for using my ARRANGED overdraft
    Maybe not charged, but you'll pay 6.9% EAR interest though? Recent discussion here...

    http://forums.moneysavingexpert.com/showthread.html?t=1351763&highlight=halifax+reward
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    emweaver wrote: »
    does anyone know of any other current accounts that offer cashback on your spending?
    You'd make more by using a cashback credit card, or 0% on purchases card.

    Extra admin, but worth it?
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture