Out of 10 - Best Current Accounts

CopperPlate_2

We are indundated by the 'best buys' of the various banks and sometimes it's hard not to follow the MSE instinct and go with the money-grabbing headline rates, only to find that the service is rubbish or the website is cranky and slow or just plain useless.

It might be interesting to have a quick straw poll on what everyone thinks of their main current account provider based on a few criteria:

Website - simplicity, ease of use and functions available
Customer service - speaks for itself but including the electronic messaging services some sites provide and the good old call centres, and branches too!
Interest rates - interest rates!
Value for money - taking interest rates into the equation and the extras the account might provide if it includes a fee, if not then generally whether you feel the account is 'hitting all the right buttons' for you.
Overall - a final score out of 10 based on the above and your own general feeling of where your bank and account lands.

I'll start mine off:

smile - standard current account

W - 8/10
C - 8/10
I - 6/10
V - 7/10
O - 8/10

Cypher

First Direct - standard current account

Website - 9/10 (nice and easy)
Customer Service - 10/10 (UK call centres - no queues and no press button 1 etc)
Int Rates - 4/10 (poor interest rates though)
Value - 8/10
Overall - 8/10

BTW you missed out Customer Service on yours

CopperPlate_2

Done, thanks

ollyshaw

LLoydsTSB:

W 10/10 (nice and simple)
C 7/10 (indian call centers)
I 8/10 (very good if you pay in a grand a month)
V 9/10
O 9/10

So I guess I like my bank!

Moggles_2

Halifax High Interest current account:

Website - 9/10 (straightforward, although changes afoot)
Customer Service - 7/10 (Online services good, counter services have deteriorated)
Interest Rates - 9/10 (good interest rates if paying in £1000 per month)
Value - 9/10
Overall - 9/10

jmgeofiz

hi

heres my recommendation

First Direct

Web 9/10
C 10/10 always excellant customer service
Int 5/10 not the best
Value 8/10
Overall 9/10

I now bank with fd for one simple reason their customer service, this is even though i work for a different high street bank which I cant name.

jmg
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