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Used to be with Coutts... but it just got too costly and they only wanted very rich people.
Now Lloyds TSB (adequate) and Nationwide (quite good)
For work we use HSBC (quite good) because Barclays were awful 👿
Barclays, been with then for 20 odd years and never had a problem with them. Online service is excellent, account is free, have a free £2k overdraft with them (not that I ever use it).
If anyone changes then go via a cashback site - £££ to be had as banks want your custom.
HSBC - I have been with them for 20 plus years. I have never had any problems whatsoever, their staff are helpful, respectful and I trust them. They have provided me very competitive "off tariff" personal loans, to the point I could have simply put the money in a savings account and made money.
I see no reason to change for quick incentive, knowing I then have no relationship history with my new bank. The branch staff do not know me personally, but once I provide my account details then their customer segmentation kicks in and I am made to feel like a highly valued customer.
Compare this with Nationwide whom I have had my Mortgage with for 10 years continuously, never defaulted etc etc and every time I go into my local branch I am treated like a leper. They are also difficult to do business with - you need to write to head office, I need all your details again to open that account, the next time you can see a mortgage advisor on a Saturday is in 6 weeks time, but you keep writing to me telling me to come in and speak to someone at my local branch. 20 years behind in CRM IMO.
Barclays. Natwest made one annoying mistake too many, and Lloyds weren't very helpful when I went back to being a student for a year. Barclays haven't messed anything up yet.
right - paperwork came through for first direct yesterday
reading the T&Cs and whatnots ...
seems they charge for transferring money. 25 quid - even for an internet transaction .... paperwork makes no referance to any different kind of transfer (bacs , chaps , faster payment) just says transfers ....
my current ISA is with nationwide - thus id be wanting to transfer money ....
charging to transfer just seems like a way of keeping your money there.
if thats the case i wont be moving to them !
I believe it's just for CHAPS (ie. guaranteed same day) transfers, which are quite labour-intensive.
I've never been charged for regular BACS transfers, and these days with the faster payments system, I find most go through same day anyway.