Best bank account for someone who occasionally goes overdrawn?

JustAnotherSaver

That preferably isn't First Direct, as their online system is pretty prehistoric, especially since their 'update/upgrade'.



Or is First Direct the only decent bank for this?

eskbanker

https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/#overdrawn

JustAnotherSaver

eskbanker wrote: »

https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/#overdrawn

Hmm, that's a bit of a ballache. Nothing really touches First Direct.


Thanks all the same.

[Deleted User]

Why are you going overdrawn?

Is there nothing you can cut back on to help prevent this?

JustAnotherSaver

!!! wrote: »

Why are you going overdrawn?

I'm not.

I was asking for someone else who has complained about First Directs app & online banking as they're experiencing issues with it.


They used to go overdrawn quite a bit, now not so much but it still does occasionally happen.

18cc

I would recommend either starling or monzo

born_again

2nd thread on the same subject.

But yet you never answered in the last thread what was wrong. You said website. And was asked do you mean the Internet Banking, or the actual website?

JustAnotherSaver

born_again wrote: »

2nd thread on the same subject.

But yet you never answered in the last thread what was wrong. You said website. And was asked do you mean the Internet Banking, or the actual website?

You what??

born_again

JustAnotherSaver wrote: »

You what??

There was another thread by someone who was not happy with the FD website and asking who to transfer to..

Seems to have been deleted now. :eek:

Sorry if it was not you

JustAnotherSaver

born_again wrote: »

There was another thread by someone who was not happy with the FD website and asking who to transfer to..

Seems to have been deleted now. :eek:

Sorry if it was not you

Never saw the thread, or if i did then it doesn't ring any bells.

jonnygee2

Starling is my favourite pick. Not so much for the rates, but because it shows you so clearly how overdrawn you are and what fees you have accrued. That, combined with instant notifications, I think makes managing the occasional overdraft usage a bit easier.

Monzo does a similar thing, and also puts the charges accrued right at the top of your app in red, which is a good deterrent. But, Monzo is currently much more expensive especially for small balances. And even after the changes in March Starling will be cheaper.