Why do you bank with your bank? 19 January at 11:30PM edited 19 January at 11:31PM in Budgeting & bank accounts 63 replies 3.8K views

PloughmansLunch

flaneurs_lobster said:

You forgot having a debit card with a picture of cute kittens.

Available from Barclays, £10 surcharge for a custom photo debit card

pridehappy

Currently use:

Virgin Money (8/10) - Current, Saver and Credit | Slow setting up overdraft but offer good friendly products and customer service overall is excellent. Ethical too.
Nationwide (7/10) - Current, Saver (former Credit) | Probably best for customer service although product range isn’t as varied as Virgin and doesn’t offer as good value for money overall.
Lloyds Bank (0/10) - Current, Saver | Worst experience from any company. Don’t even know their own systems, switching when a suitable incentive becomes available to another more ethical bank.
Halifax (3/10) - Credit | Again, poor. Don’t know own systems and card nightmares.
Tesco Bank (6/10) - Credit | Okay. Nothing special.

Formerly had products with First Direct, Santander, Sainsbury’s Bank, AA and more but switched.

gary1312

My salary is paid into a Monzo account as I like receiving it a day early. 

It's then cycled through a Lloyds Club account to save me the fiver a month I'd normally spend on Mojo magazine, RBS & Natwest Select accounts for the little financial bonus and access to good savings accounts and then onto my Santander Everyday/Basic accounts which I use for my household bills and transactions. I opened the Everyday for a switching bonus but really like the app and telephone service so have stayed.

Spending money is kept in a Barclays current account simply because they let me put a picture on the debit card. Opened originally for now-gone monthly rewards though.