New current account advice please!

Diana_Prince

I would like to open a new current account as I am currently with Santander and after my card payments took 10 days to show on my account (both available balance and balance) I've had enough!! It did go overdrawn but I transferred some money the same morning so am hoping I wont be charged?!

Anyway, I don't want an account that I have to pay for! And I don't want an overdraft. I pay in over £1200 a month so first direct is out of the question.

I have been looking at Natwest and Lloyds and wondered if anyone could offer me some advice on which would be best?!

squif33

I've just transferred to Natwest and impressed so far- very fast and efficient. Also, when you switch to them they give you 2% back on debit card purchases for the first 6 months (capped at £125).

Hope this helps!
Claire

Lith

Top 3 for me are

HSBC
TSB
FD

pmduk

Why not First Direct?

Diana_Prince

I thought you had to pay in over £1500 a month with them otherwise you have to pay for the account??

Lith

Diana_Prince wrote: »

I thought you had to pay in over £1500 a month with them otherwise you have to pay for the account??

Nope,

open an FD current account,

then


open an e-saver account put £1 in there and thats it. no £1500 month crap.

FD account is yours !

Diana_Prince

Ohhhh thanks for that!! I think they're probably one of the better banks right?

pmduk

I don't have an account with them but they appear to be highly rated on here.

Lith

Diana_Prince wrote: »

Ohhhh thanks for that!! I think they're probably one of the better banks right?

Yea,

Many members here say there service is 100% (i havent banked with them)

but i plan to very soon, just need to avoid that £1500 bogus rule :cool:

e-saver and £1

pmduk wrote: »

I don't have an account with them but they appear to be highly rated on here.

Yea, as i said many members say there service is good well amazing? and they work on Sundays? Crazy.

pqrdef

Pay £1500 in one month to get the £100 switching bonus.

But they still can't display new standing orders on the website. Cost me a £25 unauthorised overdraft charge when they unexpectedly paid an order I thought I'd deleted.

DrSyn

Both "First Direct" & the "Co-op Bank" always get 80% or over in all of the customer satisfaction polls. Both are well liked by their customers & with good reason. You should he happy with either.

1. With FD if you "switch" you get £100 for switching. If you start a savings account or take their credit card, you should avoid the charge I beleive.

2. With the Co-op Bank, their "Standard current account" & "Current account Plus" or "Cash Minder" account would be free to you. While the Co-op Bank has few branches, you are able to run these accounts via the Post Office counters. I find this very useful.