Current Ac & Savings Account

BurntOut

I am looking to change from my current bank (Ulster Bank) NI.

In this bank, which I have been with since 16/17yrs old.

I have my own current ac currently with around £5000 in and I get my wages paid into this account every month over £1000.

I also have a joint savings ac with my partner, this account is where all of our mortgage and other utilities bills get paid from and it currently stands at around £2000.

We both have standing orders from our relevent current ac's going into the savings one to take care of our bills.

I have a switch card for my current ac which i use alot but cannot use anywhere outside the UK, which is a pain so would like this changed to something I can use anywhere.

As I dont really get any interest etc from the Ulster bank I am looking to change to some of these newer ones I have read about here, but as I have been with my current bank for a lifetime i really don't have a clue, who or what to look for. for eg these high interest deals places are offering is that per month or do u just get it at end of year??? Sorry for a daft question:eek:

I Dont like bank charges I know that eg setting up or canx direct debits etc

Dont believe in overdrafts either would have one.

Can anyone give me some advice PLEASE

I obviously am one of those who thinks it's gonna be extremely complicated to change, but am obviously loosing out on some savings.

ALL HELP GREATLY APPRECIATED!!!!!!!!!

humfer

Coventry's current account maybe a good option as they pay over 5% on the first £250k!! So if you like to leave a big balance in there that may work out best. Most of the others pay an attractive rate up to say £2500. Would recommend A&L (if you do make sure you get one of us to recommend you to get the £50 referal bonus) or the Lloyds TSB (4%) which comes with probably the best regular saver account (8% fixed for 2 years)