Best current acct??

janie

Hi
I've got a fairly basic question but can't find the answer on the forum. I currently bank with RBS in England and do NOT want to be with Santander (like most people it seems:)). I have 3 acct's with them - 2 current - one for daily use & one for DD's. I also have a very low interest paying easy saver.
My question is which bank is the best to bank with?? I only work part time & my income is less than £1000 a month. At the end of each month I have usually gone into my overdraft (no charge) by around £50 - sometimes more, sometimes less.
I like the internet service with RBS & use it all the time. I very rarely visit a branch.
I understand I could switch my acct's to Scotland but is this the right thing to do? Or switch to Natwest but I know nothing about them. Is there a totally British bank left?

rb10

If you stay in credit for all or most of the month, then look at Halifax's Reward current account - you can get £5 per month from them. I find that their internet banking is excellent (much better than RBS's in my opinion) and customer service good.

Switching to Natwest wouldn't really give you very much ... they pay 0% interest on their current account, and customer service there is not much better than Santander.

zzzLazyDaisy

Sorry if this is a daft question, but can I open more than one halifax reward accounts and circulate the £1000 a month through them (in a similar way to the LTSB vantage accounts?)

Thanks

Baldur

zzzLazyDaisy wrote: »

Sorry if this is a daft question, but can I open more than one halifax reward accounts and circulate the £1000 a month through them (in a similar way to the LTSB vantage accounts?)

It was possible to open up to 3 sole accounts until last September/October (from memory) but Halifax now only allow one sole and one joint account per customer.

pmduk

I just opened new accounts with RBS in Scotland, very easy to do online. It allows you to transfer stuff between accounts before the Santander move occurs.

DCFC79

I need to chnage accounts but not sure which bank to go with, well its either barclays, halifax or lloyds or maybe hsbc

by any chance is there some kind of website that show you how each of the banks perform in various tasks like customer service

knightfox

DCFC79 wrote: »

I need to chnage accounts but not sure which bank to go with, well its either barclays, halifax or lloyds or maybe hsbc

by any chance is there some kind of website that show you how each of the banks perform in various tasks like customer service

I think the best bet is to look at what you need from a bank and talk to them.

DCFC79

knightfox wrote: »

I think the best bet is to look at what you need from a bank and talk to them.

didnt really answer the question i asked, i know what i want which is a current account but i dont want to change to a bank that has crap cs do i

staffie1

First Direct for top customer service. Will beat ALL the others hands down every time.

janie

staffie1 wrote: »

First Direct for top customer service. Will beat ALL the others hands down every time.

Yes but don't you need to be able to deposit £1500 a month minimum - no good for us part time workers then?:(

staffie1

janie wrote: »

Yes but don't you need to be able to deposit £1500 a month minimum - no good for us part time workers then?:(

Sorry janie, you're right. That'll teach me to read posts more carefully before replying!