Quick question: best bank account for me

roadblock15

Wanting to close down unused current accounts so I just have the one, I only want one.

I have:

Lloyd’s Basic - would prefer to stay with Lloyd’s and build up my history until I can upgrade to classic or club Lloyd’s. local branch to me too what I use. Great app.

Barclays Basic - contactless card. Not fussed about contactless, but have had a lot of bad history with them (unauthorised overdrafts while unemployed).

HSBC Basic - contactless and Apple Pay, but you can’t have any other account including a savings account with them if you have a basic account (which is odd).

Out of all the above banks, which is the best to go with?? Please vote.

EarthBoy

The only one you seem to like is Lloyds, so you've answered your own question, -just stay with Lloyds.

Willing2Learn

It is not a good idea to have just one current account. I think everyone should have at least two. What if your chosen bank has a meltdown of their services, (like TSB did earlier this year), or your account gets frozen due to unusual activity. You need another bank account in reserve. Just in case...

[Deleted User]

Define !!!8220;best!!!8221;

Wheres_My_Cashback

roadblock15 wrote: »

Wanting to close down unused current accounts so I just have the one, I only want one.

I have:

Lloyd’s Basic - would prefer to stay with Lloyd’s and build up my history until I can upgrade to classic or club Lloyd’s. local branch to me too what I use. Great app.

Barclays Basic - contactless card. Not fussed about contactless, but have had a lot of bad history with them (unauthorised overdrafts while unemployed).

HSBC Basic - contactless and Apple Pay, but you can’t have any other account including a savings account with them if you have a basic account (which is odd).

Out of all the above banks, which is the best to go with?? Please vote.

:mad::p:p:p:p:(:(:(:(:(:(

PRAISETHESUN

Only experience I have with basic accounts is with Santander, which I would not recommend as my experience opening the account was unpleasant. I now have a Club Lloyds account and I much prefer it. The online/app banking (which is one of the key selling points for me) is great compared to HSBC which I find somewhat clunky. No experience with Barclays so I can't comment there.

I also second the comments about not keeping all your eggs in one basket and having a second account with a different banking group in case of another TSB-esque meltdown...

JuicyJesus

PRAISETHESUN wrote: »

Only experience I have with basic accounts is with Santander, which I would not recommend as my experience opening the account was unpleasant. I now have a Club Lloyds account and I much prefer it. The online/app banking (which is one of the key selling points for me) is great compared to HSBC which I find somewhat clunky. No experience with Barclays so I can't comment there.

I also second the comments about not keeping all your eggs in one basket and having a second account with a different banking group in case of another TSB-esque meltdown...

I have nothing to say on this matter bar that I appreciate your username greatly.

Zanderman

None of the three you mention.

But do keep two accounts open - in different banks.