New Lloyds Vantage current account

Archi_Bald

blindman wrote: »

The point is she should have been transfered to TSB from Lloydstsb like I was .

Why? Because she is married to you?

Gromitt

blindman wrote: »

The point is she should have been transfered to TSB from Lloydstsb like I was

So she had the same sort code on all her accounts like you did and opened all her accounts at the same branch?

missile

blindman wrote: »

The point is she should have been transfered to TSB from Lloydstsb like I was .

Just wondered if anyone else had this happen?

Her accounts have not been (and may not be) transferred. I don't see that as a problem.

blindman

missile wrote: »

Her accounts have not been (and may not be) transferred. I don't see that as a problem.

I just thought it was the default action for the accounts to be transfered.

Hominu

blindman wrote: »

I just thought it was the default action for the accounts to be transfered.

Like already said, the transferring of accounts depended on where the account was based.

Alex92_2

Whats everyone doing come the end of this month when the 4% rate drops back down to 3%?

I plan on skimming off £1K from all 3 Classic Vantage accounts so they will get 3% on £5K.

Will open up another 2 FlexDirect 5% accounts and chuck £5K in there.

Then I dont know whether to throw the rest into Santander 3% on up to 20K as I already have an account with them (had to for my ISA) but it has a £0 balance so far. Or start application with TSB and have another 3x£5K accounts hitting 3%?

Got 2 reg savers with FD too, so running out of options on 'higher' interest banks.

Would be so handy if lloyds offered 4% on up to £50K and have 3 accounts or something with them haha. Wouldnt have to remember tons of passwords and various logins.

YorkshireBoy

Alex92 wrote: »

I plan on skimming off £1K from all 3 Classic Vantage accounts so they will get 3% on £5K.

Ditto

Will open up another 2 FlexDirect 5% accounts and chuck £5K in there.

Why haven't you done that before now? They've been running since March/April?

Or start application with TSB and have another 3x£5K accounts hitting 3%?

BoS Vantage is also an option, again for 3 x £5K.

savetilibleed

I have 3 x Lloyds Vantage (presently at 4%), 3 x BoS Vantage at 3%, 1 x Sandander 123 at 3%, and 1 x Nationwide at 5% (pity these only last a year). Not sure I should get another current account as I believe these affect credit scores. I have an arranged (well actually I don't remember ever arranging it and I've never used) overdraft facility on one of the Lloyds accounts (which I've had for ever) and a HSBC credit card (with only £500 credit limit).

rb10

savetilibleed wrote: »

Not sure I should get another current account as I believe these affect credit scores.

The impact is negligible.

Only worth worrying about if you're looking to get a mortgage in the next few months.

Alex92_2

YorkshireBoy wrote: »

DittoWhy haven't you done that before now? They've been running since March/April?BoS Vantage is also an option, again for 3 x £5K.

Shouldve signed up to them before and chucked some over from lloyds or something, but to be honest i've been so busy with work at the moment it's been more financially sensible for me to focus on that and make LOTS of money rather than focus on which bank has the best interest.

I thought the flex direct accounts lasted a year from creation not a year from when the offer was made public? I'm calling them up today to dump the rest in.

Not overly desperate to bank with BoS, so will probably look at TSB accounts as if its anything like lloyds, I will like the online banking a lot. And then afterwards from December or so onwards, just focus on filling up the Santander 123 account and when that gets full, get another one.

Is it weird that I'm really looking forward to buying a house so I can go back to just 3 bank accounts? haha:p