which bank offers best online banking facilities? (Merged)

1jim

I can reccomend smile, always been very good, fast turn around on email (secure messaging) communictaions and call centre great
jim

grumbler

Recent threads:

which bank offers best online banking facilities?

Best current account with good online service?

Annabee

I would really recommend First Direct - their online banking is easy to use, easy to view everything, you can set up standing orders etc instantly etc etc.

you can also use telephone banking any time you want on the same accounts and get to speak to a human in Manchester or Scotland 24/7 with no irritating menus when you call.

Their savings accounts/mortgages do not have very brilliant rates though but I would always keep my current account with them as the service is excellent on that.

johnllew

Smile, without a doubt. It's a Which? Best Buy and has their highest customer satisfaction rating. I've been with them for 5 years and have found them excellent for staff, website and interest rates. And I have online current accounts with A&L, Cahoot, Citibank, Barclays, First Direct, Lloyds TSB, Nationwide, NatWest and RBS to compare with.

mountainofdebt

I must admit I was interested to learn that you don't rate Natwest on line banking is.

I've had experience of Lloyds online banking and out of the 2, I prefer Natwest.

With natwest you can set up a payment on line ...with lloyds you have to wait 2 days before you can use that particular payment

With natwest you can see what payments have been made immediately...can't do that with natwest


AND their call centres are in the UK!

kevster_2

johnllew wrote:

Smile, without a doubt. It's a Which? Best Buy and has their highest customer satisfaction rating. I've been with them for 5 years and have found them excellent for staff, website and interest rates. And I have online current accounts with A&L, Cahoot, Citibank, Barclays, First Direct, Lloyds TSB, Nationwide, NatWest and RBS to compare with.

Looks good besdies the pink colour scheme!
Is the Visa debit the same as switch? Blimey you do have alot of Current a/c's!!!

1jim

Visa Debit is pretty much the same as switch, used to be called visa delta and I found it used to be more accepted than switch cards (in the olden days)

grumbler

1jim wrote:

Visa Debit is pretty much the same as switch, used to be called visa delta and I found it used to be more accepted than switch cards (in the olden days)

Now Switch=Maestro. Maestro is a debit card under Mastercard.
I am not 100% sure, but I think now difference in acceptance of Visa-Delta and Mastercard-Maestro debit card is very small.

kevster wrote:

Blimey you do have alot of Current a/c's!!!

Don't swithch account every time - just open a new one and soon you will have a lot of accounts too ...

kevster_2

grumbler wrote:

Now Switch=Maestro. Maestro is a debit card under Mastercard.
I am not 100% sure, but I think now difference in acceptance of Visa-Delta and Mastercard-Maestro debit card is very small.
Don't swithch account every time - just open a new one and soon you will have a lot of accounts too ...

Yes i know its a maestro now as ive got one with natwest (totally fine bank but boring) explains alot about the visa/mastercard thing then. Smile seems good will try i think.
What you trying to say you get the money each time he he!! ;o)

grumbler

kevster wrote:

What you trying to say you get the money each time he he!! ;o)

1. Sometimes it is money, sometimes it is some other introductory offer or both, for example free travel insurance from A&L. I opened Smile account in the past with £1 just to have higher interest on cash ISA with them.
2. It is good for your credit history to have at least one current account for a long time. If you switch account you lose this.