Basic Bank Account HSBC or NATWEST?

unknownone

As for being shown the door at Clydesdale, I am contemplating on opening an account with HSBC or NATWEST. HSBC have sent me an application pack as I requested and NATWEST allows me to apply online. My questionis what cards do these banks provide? I have read NATWEST provide Visa Debit and HSBC only provide a cash card. If someone could enlighten me further as to what cards are provided, many thanks!

welshsue

I had the basic bank account with Natwest (step account) which was great, this came with a visa debit card so you can do shopping online or instore with it.
I am very impressed with Natwest, you can ring straight through to the branch handling the account and each time I have been into their branches, the staff are always very helpful.
I had my basic account since feb and they have just upgraded my account now to give a cheque book and overdraft.
Certainly the best bank I have dealt with.

fawinds

Though I now have a full bank account with HSBC, which comes with a visa debit card and cheque book, thier basic bank account only carries a cash card.

I also have a Natwest Step account which comes with a visa debit card. For a basic account I would go to Natwest. And their online banking is good.

unknownone

I have bad credit with RBS (still repaying) and as far as I am aware RBS own NatWest, could they affect my application or banking with NatWest?

kayho123

RBS offer a great account called the Key Account. I have terrible credit history which i am currently sorting out and RBS gave me a Key Account with Visa Debit and great internet banking. One of my debts is an old Natwest overdraft which i am repaying monthly and i still got the account. It can all be done online good luck!!!

book12

I would recommend Natwest as they offer a debit card, which will be useful to you.

You could also try other banks instead of those two for a basic bank account. Majority of them offer a Visa debit card.

unknownone

Thanks all for the recommendation so far. I will probably apply for natwest on monday. But before I do, what other banks offer basic accounts with visa debit? As I've said I already have a Halifax Easycash which provides only Visa Electron - not much when you do a lot of online purchasing.

Would have liked to have been able to oppen the Clydesdale one as Maestro is also widely accepted and the branch is but 2 minutes drive from my place. Should I go back and try my luck aagain?

glennc1981

Another problem with HSBC is that you can't make withdrawals at the counters, so if you want to make a large withdrawal that would be a problem.

Lloyds you would have a problem with as although they issue Visa Debit, you can only use Lloyds Cashpoints to take cash out. Your card would be useless in any other machine.

username

Another problem with HSBC is that you can't make withdrawals at the counters, so if you want to make a large withdrawal that would be a problem.

Not a problem, simply take your cheque book and card together with some photo ID (if it is a large withdrawal) to the counter and they can give you money, so long as it is in your account and they have it in stock.

Bosie

username wrote: »

Not a problem, simply take your cheque book and card together with some photo ID (if it is a large withdrawal) to the counter and they can give you money, so long as it is in your account and they have it in stock.

The HSBC basic doesn't come with a cheque book:mad:

Tubbss

Hi

Co-op cashminder account is a basic bank account and will accept applications irrespective of you credit history. You get visa debit card, online/telephone banking and can pay in and withdraw cash at post offices.