The Best Current Account?

stutakesphotos

In terms of customer service and perks, what is the best current account? Any that give lower mortgage rates if you have a current account with them?

Thanks

R34GTT

First Direct for customer service plus their 8% Regular Saver is pretty good.

Halifax for perks - monthly free £5 as long as you pay in £1000 each month.

coolesticeking

First Direct seem to do well in this area if you can pass the credit check and pay in enough money each month around £1,500 if I remember!

FatVonD

Sorry, I'm a numpty, meant to post a new thread

[Deleted User]

First Direct always

stutakesphotos

coolesticeking wrote: »

First Direct seem to do well in this area if you can pass the credit check and pay in enough money each month around £1,500 if I remember!

in a few months, my pay will go from £1,500 to £1,450! Can I get round this by putting in an extra £50 from another account and then moving it out?

tellmeitsfriday

Just ask them to open an internet savings account for you as well, and deposit £1 in it. Then you will not be required to pay the £10.

As for the £50 transfer from elsewhere idea - that'd work too

pinkdalek

stutakesphotos wrote: »

In terms of customer service and perks, what is the best current account? Any that give lower mortgage rates if you have a current account with them?

Thanks

Halifax offer Rewards to their current account customers who can pay in at least £1000 to their account.

Not just the £5 reward, but they offer discounted rates on mortgages, higher savings rates, £50 cashback if you take out Home Insurance, £5 reward on credit card (min £300 spend).

Their Ultimate Reward offers cashback if you take out a mortgage too - not sure but it was £150.

If you do the switching in branch, be crafty, as you can also get £50 for switching too as long as you let them switch the direct debits/credits. Ask them in branch if there is a cash incentive for switching your account.

To be honest the most important thing for me is the service you get from your bank and how they treat you.

Loughton_Monkey

If you can, go to First Direct.

They are truly the best bank for service. Product range is not the best in terms of interest rates etc. But occasionally [like Regular Saver, and some mortgages] they can be market leaders.

The main point is that whenever you have a real query or problem, phoning them is a dream. Never more than three rings. Straight through to intelligent human being who will do their best to help.

97trophy

For service I agree with First Direct. However, for loans and CCs I have found NatWest to be better.