Need advice on best bank to switch to.

Former Member

I'v paid off all my debt with barclays and looking to say goodbye after filling in a complaint.

I know RBS used to do the £100 if you switch to them and halifax are doing it too i think but the halifax offer is onyl for people who earn have 1000 net per month coming in isnt it? im just short of it so it wouldn't apply i think.

Can anyone advise me on the best offers right now if you switch accounts? i'm having a hard time finding any good info even on the banks websites.

Former Member

I found this but it gives no terms and conditions for the £100 http://www.halifax.co.uk/bankaccounts/switchingtous.asp

Former Member

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Former Member

I've been really impressed with First Direct, but I think you need to put a set amount into the account each month for them.

Smile keep winning awards for being really good, although I've never actually met anyone with them.

Former Member

I like HSBC, never had any problems with them.

JsT

Calvin wrote: »

I like HSBC, never had any problems with them.

Neither have I - yet I suppose all banks are bad as each other..........

Former Member

JsT wrote: »

Neither have I - yet I suppose all banks are bad as each other..........

Oh like most banks they are robbing bastards, but at least HSBC are nice about it.

Former Member

Calvin wrote: »

I like HSBC, never had any problems with them.

:yes: Apart from a couple of little issues (mainly with moving money from one certain account to another) I havent had a major problem in over 7 years with them.

I wouldnt touch Lloyds with a very long bargepole.

JsT

I wouldn't touch Halifax with a massive bargepole either - they are all utter fucking morons.

I'm a happy HSBC customer for the last 7 years also.

Former Member

JsT wrote: »

I wouldn't touch Halifax with a massive bargepole either - they are all utter fucking morons.

I wouldn't touch them because of their shit adverts. :thumb:

Former Member

I'm tempted to just switch to Natwest because of the Young Person's railcard

JsT

Calvin wrote: »

I wouldn't touch them because of their shit adverts. :thumb:

This your boyfriend Cal?

Rach - just make sure they give you it and dont screw you over for it like they did with me - bastards. I didnt get mine so went with a better bank - its worth it for the £20 a year.

Former Member

I am still pondering. Why didnt they give you it?

JsT

Cos they are cunts. Basically 'we didn't recieve your form' on five different occasions.

Former Member

HSBC would be fine if you could ever speak to a real person in a real branch. All the cashiers at our local branch have been replaced with a hotline straight to a recording of Greensleeves with an Indian man telling me that my call is important and will be answered just as soon as they're done interrupting a recording of Greensleeves to tell me that my call is important.

JsT

Odd that. I've never had a problem with HSBC, all the 4 branches I use have plenty of staff in and cashiers too.

In Huddersfield they put some extra machines in to pay in money but you can still see a cashier if you want (plus the machine is quicker!)

Former Member

Newcastle's main branch used to have about eight cashiers in, plus the paying in machines. Now you get two on a really good day, and unless you want to buy something from them you're directed to telephone banking.

Telephone banking has its place, but that isn't it.

JsT

Sounds like some of the Halifax accounts. You cant go to a cashier at all if you have a certain account - cash machine or Indian call centre.

The Leeds main branch is the same as it always was - the Huddersfield one was refurbed with these massive machines but still cashiers.

Maybe they are trying different things in different areas or just pissing around. Who can say!!

Former Member

I've been with HSBC and ducked out when they started charging for graduate overdrafts - although i dont use mine anyway - it's principle!

Had quite a few problems with them over the years, so wouldn't recommend them.

Halifax are crap too, although they claim to be good.

Natwest are crap too.

I would recommend RBS - happy with the services they provide!

Former Member

It's funny how that happens sometimes: RBS and NatWest are the same bank.

Former Member

same with halifax and bank of scotland, i use bank of scotland, but when i used halifax i hated them, so in helpful, yet my bos saving card is actually a halifax card, lol