Best Current Account with Extras?

gabby71

Hi

I currently have a Platinum account with LLoyds TSB.
With this I get a 250 overdraft, mobile phone insurance, breakdown cover, travel insurance for myself and my daughter, and other bits and pieces - I pay 25 per month for the privilege!

Just wondered if there are other banks that offer similar but for less?, I would definately want the breakdown cover, overdraft, travel and phone insurance.

thanks

Gab

jonesMUFCforever

Are you sure that you have the Platinum account?
The charge for that is £17 pm - £25 is for the Premier account and you get a lot more 'extras' than you have stated - including an interest free overdraft of £500.

Quiet_Life

Check out Smile more account

• UK & European car breakdown cover
• worldwide annual family travel insurance
• mobile phone insurance - for up to four handsets
• £500 fee-free overdraft (first £260 is interest free)
• 0.12% AER* interest paid on every penny
• exclusive mortgage deals with The Co-operative Bank
• 20% off over 200 UK attractions
• 20% off The Co-operative home insurance
• free legal advice

http://www.smile.co.uk/servlet/ContentServer?c=Page&pagename=Smile%2FPage%2FsmView&cid=1076315830702

gabby71

Hi

JonesMUFC - sorry, you are right, it is the Premier I have, not the Platinum, however, I don't use any of the other facilities of the account and requested only 250 o/d.

Thanks guys - a few to look into and seems I will be able to save money each month if I move - will check out the conditions and see which would be best for me

Gab.x

paulmcerlean

Why dont you actually just downgrade to the Lloyds platinum account then?

£17 per month with AA, mobile insurance, travel insurance and the overdraft up to the limit you need interest free.

Saves you having to move banks?

ironlady2022

paulmcerlean wrote: »

Why dont you actually just downgrade to the Lloyds platinum account then?

£17 per month with AA, mobile insurance, travel insurance and the overdraft up to the limit you need interest free.

Saves you having to move banks?

Or go with Coop Premier account and pay £13pm saving £44 per year!

pinkdalek

Depends what benefits you are looking for but the Halifax's Ultimate Reward account is worth considering.

Worldwide Travel Insurance
AA Roadside assistance (you can pay to upgrade to homestart)
Mobile Phone Insurance (Including I-phones)
Home Emergency Cover
Card Care Cover - usually around £40 for 3 years, covers your cards, passports, keys etc.
Free Overdraft (Max £300)
15% discount on home insurance & Reward packages for savings, mortgages and insurances.
There's probably other features too but they seem to be the main ones.

All for £12.50 a month, but pay in £1000 and you get £5 reward, so technically £7.50 a month.

gabby71

Hi

Thanks again, I have had a good look, and the Halifax account does seem the most suitable for me!

Thanks guys and girls