Do you think Barclays will...........

Milky_Mocha

It just seems to me that its a shame one would have to go through the trouble of speaking to a manager, then director just to be offered something which many other banks out there are doing quibble-free.

DilbertJones

yorkshire_ria wrote:

I bank with them myself & have a friend who works in the Head Office so asked their view. This is purely my opinion:

I'd also recommend asking to speak to the Manager. Occasionally, if they aren't available, I'd ask for your request to be put to the area director who have much more discretion and flexibility. The area director is directly responsible for income and service - they'll not want to lose valuable customers.

I have an incling Barclays will be 'beefing up' it's current accounts offers over the coming months and if you hang on, you may get a christmas present without the hassle of switching your direct debits, salary, etc

Hope you find this useful

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Christmas present you say??

What could that be I wonder?

What if I open a new account to take benefit of Interest Free Overdraft & £100 or so pound for signing, but keep my barclays going for the time being. Any problems with that?

yorkshire_ria

Features include:


£250 interest-free and fee-free overdraft comfort zone.


Preferential 12.0% Equivalent Annual Rate typical (variable) on agreed overdrafts.


Withdraw up to £750 a day from any cash machine - compared with the usual £300 a day limit*.


Platinum Banking Connect card with higher cheque guarantee limit of £250.


Your Financial Summary - free, exclusive quarterly statement showing all your accounts and services with us.


Free banking services including express cheques and same-day payments.

Look here which will indicate whether you qualify -http://www.barclays.co.uk/personal/

I have this & the free banking services includes drafts so when I moved house & changed my car, I got them for free & they used to cost about £15? a time. Not a fortune, but I transfer most of my money to a savings account so the credit interest on a current account worked out about £25 a year with A&L so I was happy to save the hassle & stay with Barclays. The A&L account pays 5% interest up to £2.5k so even if you kept the maximum in every day of the year, that's £100 net to a basic rate tax payer. Depends how much you leave in your account.

You asked about paying in £100 a month, I've noticed most of the best c/a offers look for customers to pay in about £1k a month. From a commercial perspective, acknowledging that's not an angle which features much, I'd guess most banks would make a loss on running a current account with such a small amount going through. It'd be unlikely they'd offer you the best deal with £100 a month.

Your choice at the end of the day. If you qualify for Platinum, why not give that a go first.

Luke

Barclays offer an e-savings account with reasonable rates. So you can transfer any excess cash into that from your current account and 0.1 you are getting in there doesn't become an issue. Obviously you can control all of this and view balances on-line.

NinaM

A&L are just as bad - don't expect any loyalty from them. They would rather I switched my mortgage to another company than let me off a two-year redemption penalty six months early and stay with them. However, having been a Barclays customer, I think you should switch as soon as possible, they truely are evil bankers.