Packaged / Debit Card Advice

meer53

thesuperhobbit wrote: »

Was more to do with opening a new account and getting mobile phone insurance included.

You can apply for most bank accounts online.

Phoning up a company to cancel, cancelling a direct debit, finding a new provider, setting up a contract? Far more hassle.

I've done all those things online. Never spoken to my insurance company.

thesuperhobbit

'meer53' - wasn't aware I could do that.

Besides, I'm happy with my home insurance provider so can't see a reason to change.

meer53

thesuperhobbit wrote: »

'The pc tech' - so in theory, if I set up one now, I can set up a savings account at the same time and add the First Directory add on. I'll then only pay £15 a month?

You can apply to First Direct online, but as you're self employed, it may be a bit more involved. You might not get automatic acceptance, they will probably need some income details from you.

The_pc_tech

No question, they will need income details,

Bloomberg

thesuperhobbit wrote: »

Long time lurker! Finally decided to make an account and ask, rather than simply looking around.

I'm after a new bank account. Although it may seem shallow, I'm attracted to cards that look nice. Black cards are preferred. The white HSBC card with the world map looks nice too, but I'm not sure how nice it is. I've only ever banked with NatWest. So, the looks of the debit card to an extent may play a part in this! Haha! Of course, if anyone knows what the recent ones look like, that would be even better.

I'm a self employed web developer so in terms of income, it's hard to state an exact amount for eligibility criteria. Some years I've made three times what I have in others. So, it's also easier if this can be avoided.

Ideally, I'd like to pay around £10-£12 a month and if possible, have mobile phone insurance included.

The N&P card seems nice, but there are no benefits whatsoever to paying a monthly fee.

Any help would be appreciated.

- I've never liked Halifax and I'm not sure why. Maybe it's because they appear to try too hard to attract customers and that puts me off but if anyone can prove otherwise, I'm willing to consider it as well as any recommendations!

Thank you in advance.

Having read through your list of requirements I would say that Barclays would be the obvious choice. I have an Additions Active Account which I pay fifteen pounds per month for. This gives me:


Mobile phone insurance.

Worldwide travel insurance

ID theft assistance.

RAC comprehensive cover

24/7 legal helpline

Card registration to notify of theft or loss with one call, this includes lost luggage and key retrieval.

Free will writing service.

Gadget insurance.


This above costs £180 per year, if you were to buy the top level of RAC cover as a stand alone product that is about £140 so as you can see this account is a clear winner. As you are very particular about what your debit card looks like this account will suit you down to the ground as you can design your own debit card. I hope this helps, all the best.