Current Accounts

Experting

Hi,

I currently bank with Natwest, and within my natwest account i have:

• Current Account
• ISA
• Savings Account

They all have money in etc. But i am looking for another current account, basically i just want to use it like a savings account (but it has to come with a debit card) and just put money into the account im not bothered by interest or anything like that, basically all it will be used for is that i will be putting like £20 a month into the account which will be used to pay for my dental cost i wont go into detail but ill props need to keep going to the dentist and soon ill have to pay for it.


All i want is a simple current account, i do not want to be able to go into an over draft, or in the red. I am currently 17, soon to be 18. But i prefer to save my money because i know i will need it one day.


Could anyone recommend me a bank account (current) where i cant go into the red and that. Because i'm young i do not really know much about bank accounts and that and tbh it just annoys the hell out of me!!!


Thanks, and any help will be appreciated.

xylophone

Why not open an internet savings account for the money and earn some interest? You don't really need a current account for the purpose you describe?
http://www.ybs.co.uk/savings/online/internetsaver/index.html Might this suit? It has an ATM card.

Experting

xylophone wrote: »

Why not open an internet savings account for the money and earn some interest? You don't really need a current account for the purpose you describe?Might this suit? It has an ATM card.

Ohh, it has to be a current account, because i need a visa/debit card with it so when i visit the dentist i can pay by the card, instead of moving the money back to my natwest account ;P

Ohh and an iPhone app for the bank will be a bonus because its easier to manage it all ;D

xylophone

http://www.compareprepaid.co.uk/basic_bank_account.html
Try here?

jalexa

Experting wrote: »

Ohh and an iPhone app for the bank will be a bonus

Possibly the easiest thing to do is to apply online for a Natwest Basic account...
http://www.natwest.com/personal/current-accounts/g1/basic-account.ashx

There would advantages in having an account with a different bank though, perhaps Halifax Easycash (but AFAIAA no app with Halifax).

Experting

xylophone wrote: »

Try here?

All that stuff, means nothing to me! All this EAR, APR and that crap.....? All i need is a basic current account where u cant go into an overdraft/red or occur any fees! banks dont like to make it easy!!!

jalexa wrote: »

Possibly the easiest thing to do is to apply online for a Natwest Basic account...

There would advantages in having an account with a different bank though, perhaps Halifax Easycash (but AFAIAA no app with Halifax).

Thanks, but i already have a bank account with natwest and want to have one away from them But the Halifax EasyCash ill look into that, Thanks!! But would prefer an app

debrag

Natwest first reserve comes with the debit card and is a savings account.

Experting

debrag wrote: »

Natwest first reserve comes with the debit card and is a savings account.

Want to bank with someone else, other than natwest.

MoneySaverLog

Most basic bank accounts will do the job for you, I'd suggest not having all your eggs in the one "NatWest" basket so if anything happened to your main bank account, and you got frozen out, you could then switch to use the other bank.

Experting

MoneySaverLog wrote: »

Most basic bank accounts will do the job for you, I'd suggest not having all your eggs in the one "NatWest" basket so if anything happened to your main bank account, and you got frozen out, you could then switch to use the other bank.

Yeah, but it has to come with a debit card, and ye i defo wanna have a bank account away from natwest, But most of the accounts i have seen, you have to be 18 and over to apply for them. But its just finding the right bank, which i cant seem to find because its difficult.

MoneySaverLog

If you're under 18 they wont give you an overdraft anyway. Have a look here http://www.lloydstsb.com/current_accounts/under_19s_account.asp their accounts come with a debit card.