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Yes, the thread we have all been waiting for. Years in the making.
Santander - 05 - present
for your personal expenditure
approximate is ok. You can always confirm when you get home.
Not even a proper bank, hugely inept, publically owned to no-one's benefit, just a bunch of rotters.
Quite want to change to HSBC because they seem like a grown up bank instead of these jokers.
You were allowed to have a beard but you weren't allowed to grow one. So if you wanted a beard you had to book some time off and crack on.
Standing around in an X singing? Fuck off
And they're stingy, back when I was dirt poor they'd charge me a quid a day for being in my overdraught (30 quid a month could've sunk me if I wasn't living at home). So yeah I'm not a fan just too lazy to switch.
I'm worried it might have been done before though. What's the submission process?
I'll get my people to speak to your "people".
so I can concentrate on enjoying this thread
Halifax - 11 → 23
Natwest - 18 →
Proud to say that the incessant terrible adverts were what pushed me over the edge with Halifax.
fucking hell. Junior Saver of the year is it?
Direct your mockery at him.
so this mockery sub-thread is now CLOSED
21 Natwest briefly
21-25 Alliance & Leicester/changed to Santander
28+ First Direct
and now M&S Bank. Need to move it really, it's a shite interest rate.
Liquid Gold it was called when it got gobbled up by Halifax.
I still have a Halifax account now but also First Direct that I got with my offset mortgage.
My work is basically dealing with a few banks and their online systems, so I've used Deutsche Bank, Barclays and RBS business banking.
First Direct are the best by a distance out of all of those. Barclays are a bit of a joke.
All of their correspondence is on really fancy paper and whenever I phone them it sounds like someone's butler has answered.
I say 'just', they are good at what they do. better for private banking though are Hoare or Adams. I like my HOARE AND CO chequebook and pen, makes up for never getting on blankety blank.
one of which I've been with since a child
Off the top of my head:
Midland (as was)
Nationwide (ok, not a bank obviously)
Probably some more.
Although it does help the symmetrical appearance of the list nicely...
I should probably spend less time on Money Saving Expert tbh tbf...
partly because they showered me with gifts at their recent new office launch, but how do/ did you find them?
HSBC - since the thinly veiled insisted we got a joint account for our bills.
I am now back at work
with them from birth - 18, when I withdrew my £22 to buy some booze
Question 1 - Does anyone have an american express card?
Question 2 - If you answered yes to question one, what's your problem?
(1% cashback) and a Halifax Clarity credit card (free cash withdrawls abroad, no exchange fees ever).
2. Pay off the balance each month, and get cashback for using it, make about £200 a year, and have my purchases insured
get loads of free flights to destroy the world.
What's YOUR problem?
You're just as bad as plasticniki, you are.
I'm not a dick.
as my debit card is Visa and someone said it might be useful to have both when discovering the hidden depths, beauty and meaning of one's soul in foreign climes.
I used to work for a company that made plastic cards - credit, club, debit. You fucking name it.
1. Yes (work credit card)
2. Never actually use it as very few places I go with work take it (outside the UK), ergo it's cack.
Lots of precious, precious air miles. Used to have a work one as well, felt like an absolute king paying for stuff with a corporate (it actually said CORPORATE on it) credit card when I was 21.
2. As per others, get loads of cashback every year (about £350) as I pay for everything on it (where it gets taken) and pay if off every month
and I believe their debit card is no fees WORLDWIDE. Plus free water for dogs.
don't suppose you (or anyone else reading this) would know if I can use my bank card in turkey? it's fine isn't it?
should be fine
Never heard of it, pal.
Was gonna link to this but it's not there: http://www.moneysavingexpert.com/travel/overseas-card-charges
(Will work but there will be an exchange fee per transaction plus a withdrawl fee).
it is a real bank, honest, lost loads of money over the past few years just like a real bank and everything
Best card for rates, spending and withdrawing cash. STAT
the ATM will GOBBLE IT UP
-------end of joke------
only free in Europe now I think.
I opened one for when I went travelling - was pretty useful - never used it since.
Lloyds - 2012 - Present
Had to take my little book in to draw money out like a freak til 2010. What a loser eh. If I was in a city without a Derbyshire, I was *screwed*
what happened at 17?
up the side of a car
I was 16 then anyway... it was Mo's 17th.
Halifax: Little Xtra club to 23
First Direct: pending
Only changed as Santander offered £100 to switch. Am gonna switch to First Direct before christmas and bag £125.
Natwest: until I was 19
Lloyds TSB: until August this year
First Direct: since August
Had credit cards with Mint and Lloyds TSB. Currently have none.
lloyds tsb 23-28
not actualy checking the numbers, obviously
Absolutely no complaints. When you ring up, someone answers after like one ring. And you speak to a REAL PERSON. A revelation.
when I worked for the (undoubtedly inferior) NatWest.
Hated them and their smug faces.
Then NatWest got taken over by Scotland.
Banks are like the last thing you regularly have to phone to get shit sorted, so my main reason for moving was their excellent customer service.
I haven't spoken to my bank in years, grandma. You know you can do shit online now?
Fraud and shit. Which has happened to me during my time at my 2 most recent other banks.
they've played you pniko
or barely any customers.
if we didn't have an automated system where i work we'd be absolutely flooded with calls and you'd never get through.
Some of the security stuff is a bit dated and laborious. Setting up phone banking and app/website stuff takes a while and a gazillion passwords.
Other than that, they've been brilliant!
(only been with them since August though)
They had massage chairs and sometimes they had organised foam ball fights and games of hide and seek, and they showed football on big screens during international tournaments.
There was also a concierge, free irn bru and other stuff I can't remember.
12 - 28 - Bank of Scotland
18 - 22 - RBS
28+ Clydesdale Bank
("Scottish" banks ftw)
£125 to switch. Great online service, telephone banking is super as well
Let me get massively in debt. Sold my credit card debt to debt collectors and i only ended up paying 20% of the total debt and had the rest written off. Gave me thousands in PPI. Great bunch o'lads
You know you should close current and credit card accounts when you switch/stop using them right?
It affects your credit rating to have open/dormant accounts on your file
but my official experian credit rating is "U Wot M8)
it's fucking annoying getting phonecalls from people cos they've got a letter about an open bank account that they insist they don't remember ever having.
Northern Bank. Although now it's called Danske Bank. But it's still the same.
I can't read the word "banks" now, in any context, without welling up a little.
then Co-op and still with them now.
Savings are spread between Halifax and Nationwide, although almost all moved to Nationwide now.
Lloyds TSB 1997 - 2011
HSBC 1999-1999 (free student railcard deal)
Santander 2011 - present
Post Office Savings - Birth to now (basically empty since 14 when I put it all toward a school ski trip).
Lloyds - From first non cash- in-hand job at 16 until the end of the first year at uni when they wouldn't let me have an overdraft. So I chinned 'em off.
Midland, NatWest, and Barclays - Opened an account with 'em all before going to uni to scoop up the free shit. Bought my very first PC with the generous HSBC no questions asked overdraft. NatWest were a shower of shit. Barclays were ok. All accounts were opened before online banking existed. And when it got introduced it was fucking shit. So I closed them all when I graduated, then moved to...
Smile - who did the online thing properly and I'm still with 'em more than a decade later and would defo recommend them. Their online interface has barely changed in well over a decade. Retro online banking! But even though it reeks of 90s internet to look at, it's pretty much perfect functionally.
Have had Barclaycard and Virgin credit cards for some 0% interest balance transfer japes.
Had a loan with Northern Rock. Then they went titsup.
Mortgage is with Yorkshire Building Society. They've been good.
When I thought the last line was a sign-off.
I only opened my first one when I was 18 to put the student loan in.
Anyway, to answer the question, two - HSBC from 18 until I was in my early 20s then Lloyds thereafter (we're not counting savings accounts are we).
14 - present day
Think I'll switch to Santander or First Direct pretty soon though not sure which one.. decisions..
...but will be shit. For your long term peace of mind, go with First Direct.
cheers for the advice
can anyone confirm that changing bank isn't a massive pain in the arse? my bank is completely inept and charged me a £1 for something recently :(
used to be a massive pain, but i think that all changed about 5 years ago.
you can probably do all teh opening online now, and just go in branch to close an account
moved my isa this year to a new bank and that was easy enough, and it's the same principal really
The Current Account Switching Service was introduced last year.
thought it was ages ago
Think the whole process is done in a week now.
I had one when I was young, young enough to not know what a bank was.
My Dad then told me to grow up and open an account with Barclays.
I withdrew my meagre child savings at sixteen and took it to my new bank. It was closed. I nervously boarded the bus with my entire life savings (~£200) in my pocket. Stood up all the way home.
Think I still might have 40 odd quid stashed away there. I'll never get it out - you probably still need that paying in book which is long gone.
Nat West since about 11.
That's it. Had all those piggy bank things as well. Think they got binned - probably worth loads now.
I like them - they let me off all the fees I've ever incurred - plus you get to chat to some rad scottish guys and girls when you call them up.
Opened a metro bank account for when I was travelling - never touched it since.