switching, anyone have any problems...

james3333

iam currently with barclays.
i have a current account, e-savings account and an ISA with them.
all of these have lower interest rates than most competitors i believe.
how easy is it really to switch, anyone had any problems with DD's or standing orders been messed up?
who should i move.... to to get
A. any free cash insentives
B. best interest rates on current account
C. best ISA intertest rates
D. GOOD online banking

i want my ISA with the same bank as my current account and can ONE phone call transfer all these things?
or will it be a case of rings online help, current account help, ISA HELP ETC

THANKS.

james

frivolous_fay

james3333 wrote:

iam currently with barclays.
i have a current account, e-savings account and an ISA with them.
all of these have lower interest rates than most competitors i believe.
how easy is it really to switch, anyone had any problems with DD's or standing orders been messed up?
who should i move.... to to get
A. any free cash insentives
B. best interest rates on current account
C. best ISA interest rates
D. GOOD online banking

i want my ISA with the same bank as my current account and can ONE phone call transfer all these things?
or will it be a case of rings online help, current account help, ISA HELP ETC

THANKS.

james

I posted on your other thread that smile might be a good one to consider.

A. Possibly a case of wine in it.
B About 3%. Savings account is 4.25% if you have a current account.
C 4%, 4.75% if you have a current account too. (I switched mine to A&L)
D I find it easy.

I think you're a little optimistic thinking that one call will do it all. Obviously you have to apply, probably send proof of identity, set up your personal security details. Can't make an omelette without breaking eggs!

I chose to deal with my standing orders and direct debits myself so I was in control. I just cancelled the old ones after they were paid, then set up the new ones either on the phone or through the online banking. Transfers between smile accounts are instant.

james3333

oooh, cant decide what to do now!....
is it worth it, i have been with the barclays for such a long time....
and the hasstle i had when changing electric and gas suppliers...well, that was 12 month long nightmare from start to finish.... i just dont want any 'transactions/accounts' meesed up!.....

grumbler

What is the point in having your ISA and your current account with the same bank?

james3333

its just easy to keep track of things only having ( as i do a halifax CA, and a Barclays CA, E-SAINGS & ISA)
i like nice and tidy, thats proberbly my downfall!!!

grumbler

If you like 'nice and tidy', forget about switching. Best rates don't last long, and you will never get all the best products from one bank. IMHO, the best rate on ISA is more important than the best rate on current account...

james3333

grumbler wrote:

If you like 'nice and tidy', forget about switching. Best rates don't last long, and you will never get all the best products from one bank. IMHO, the best rate on ISA is more important than the best rate on current account...

yeh, guess your correct.
i will be switching my ISA, but not current account, too much hastle for VERY little interest, i never have any cash in my current account!
cheers!:money: