Regular Savings @ 6% vs TSB 5%

Drebin911

YorkshireBoy wrote: »

You do know M&S also requires a "pass"?

Yeah, I do thanks.

I can manage with one!

Just wouldn't be over the moon if all my accounts required one.

As far as I can seen M&S don't need any sort of monthly minimum funding. Hence my decision.

Archi_Bald

Joe_Cocaine wrote: »

The M&S Bank account seems the best one to go with, as I don't think First Direct or HSBC would take me on! they're bloody annoying those little security keyboards,

FD and HSBC have apps that can replace the annoying little security keyboards. M&S does not. They still need the annoying thing.

badger09

YorkshireBoy wrote: »

You do know M&S also requires a "pass"?

He is if he read my post, which he quoted .

OP, Nationwide requires a card reader in some circumstances. How have you managed without one?

badger09

Archi_Bald wrote: »

FD and HSBC have apps that can replace the annoying little security keyboards. M&S does not. They still need the annoying thing.

The call it 'M&S Pass Belt and Braces' :rotfl:

YorkshireBoy

badger09 wrote: »

He is if he read my post, which he quoted .

Hopefully he did, because I clearly didn't!


I can cope with the passes for setting up new payees etc, but hate them with a vengeance for being required to simply log in to my account(s)!

Archi_Bald

badger09 wrote: »

The call it 'M&S Pass Belt and Braces' :rotfl:

They can call it 'The Cuddliest Little Special Lovable M&S Pass On The Planet' and I still hate the damned thing with a vengeance! Love their 6% RS though

Drebin911

badger09 wrote: »

He is if he read my post, which he quoted .

OP, Nationwide requires a card reader in some circumstances. How have you managed without one?

Hey Badger, I have indeed - because I could not remember my pin for the Flex Direct card when first setting up.

I went into branch, and set up a Payee (myself) the old fashioned way over the counter, and now I can use the Mobile App without the need for the card reader.

badger09

Archi_Bald wrote: »

They can call it 'The Cuddliest Little Special Lovable M&S Pass On The Planet' and I still hate the damned thing with a vengeance! Love their 6% RS though

Me too!

Mine snuggles up with a similar gadget from YB and card readers from Nationwide, Co-op and Natwest. I avoid using any of them unless absolutely essential and prefer the much simpler express login on my phone. Fewer characters to remember

The worst ever though, has to be the grid card from Coventry. My ageing brain just couldn't cope with the complexity of the multiple columns/rows :eek:

grumbler

Don't know about others, but you can login to Nationwide without the card reader.

badger09

grumbler wrote: »

Don't know about others, but you can login to Nationwide without the card reader.

Indeed you can, but you need it to set up a new payee.