Bank accounts

[Furr]

Right another one of my problems to be inflicted upon you lot. I need to open a bank account, however firstly i dont know who to go with, secondly im taking a GAP year and want to be able to change the account to a student account next year, 3rdly i want a good bank!

So any imput would be great.

 

[Xtro]

Personally I have had good dealings with HSBC.

Previous to that I've used Natwest who were utter utter cunts.

 

[Will]

I use Halifax. The are evil (being a big bank), but they have good online facilities (handy if you are going abroad), and they've never hassled me.

And Natwest are scum.

 

[Sar]

I'm with the Northern Bank, a local variant of Natwest, and I can attest that they are indeed scum.

 

[Testin da Cable]

send your money to me. I'll "hold" it for you

 

[Mellow-]

The easiest way to pick a bank is:

(a) Think of your local high street.
(b) Think of the banks in your local high street.
(c) The first bank you think of you should go with.

 

[Will]

Easiest isn't the best way to go though, is it?

What happens if his High Street only has a Nat West?

 

[dysfunction]

You could try one of the Online Banks...like Cahoot or First Direct.

I am with Barclays and I find them to be very good. I have not had any problems...

You do need a job if you want to open a Current Account...

Try choosing a bank that will allow you to access them from different countries!

Citi Bank is very good for this as they have loads of branches throughout the world. May come in handy if you will be travelling alot in your gap year.

 

[Sir Frizz]

Chalk one up for Barclays. If only for the ads.

 

[GDW]

Originally posted by Sar
I'm with the Northern Bank, a local variant of Natwest, and I can attest that they are indeed scum.

FYI Northern Bank is a sub of the National Australia bank. Its the Ulster Bank which is the Natwest sub...both scummy tho

 

[*Kornholio*]

I'm with HSBC too - they're just about everywhere on this planet (even in Jordan !!) and their online / telephone banking is the pups nuts

 

[whipped]

Go with Barclays. Never had trouble with them extending overdrafts when I was a student. Never had trouble keeping the overdrafts when I wasn't a student. Online banking is spiffy with them as well. Money transfers are a doddle and the statements are first rate.

 

[PR.]

Nationwide Building Society...

Their internet banking is fantastic and they operate on the basis of making your life easier and not lining the pockets of its shareholders.

And if it did go from being a mutual if you had your account with them long enough they may give you either shares or a one off payment.

I have my Credit Card/Savings/Current Account all with them as well as my £7k loan never had any problems with em

 

[stu]

Go with an Internet bank. I'd recommend Cahoot. Having worked for one of the high street banks I can tell you that they will do everything in their power to screw you as often as possible. Seriously, there is NO benefit whatsoever to getting a high st bank account any more.

Once you're a student that changes, because they offer the best facilities (ie a fat overdraft), but even then I'd just open one, empty it, and pour it into your other account, then leave the o/d account dormant.

 

[bodhi]

In 10 years I have never had a problem with the Royal Bank of Scotland.

 

[Sar]

Originally posted by Grandadwrinkle


FYI Northern Bank is a sub of the National Australia bank. Its the Ulster Bank which is the Natwest sub...both scummy tho

Ooh.

I'll steer clear of the Ulster Bank as well then

 

[shadow`]

Originally posted by Testin da Cable
send your money to me. I'll "hold" it for you

 

[Testin da Cable]

ARRRRR!!

 

[tris-]

Abbey national 16-21 account

HSBC = uke: uke: in there faces

 

[Furr]

Hmmmmm

i might go with HSBS, on my high street i have, alliance a leisceter (not a bank), Halifax, HSBC, Natwest, Lloyds TSB, and i live in a small town!!

 

[djpringle]

HSBC or Lloyds, I'm with Lloyds but being abroad I should shift to HSBC since their Saigon branch is actually helpful.

 

[old.Jas]

HSBC r0><0rz my b0><0rz

 

[danger]

I'm with NatWest and can confirm they both suck and blow at the same time...... they're shite!

Alot of my m8s who're students think HSBC are worth wanking over... so maybe give them a go

 

[.cage]

give me a reason to love you

 

[Rubber Bullets]

I have been with teh NatWest for 15 years, never had any problems. I have 2 current accounts with them, and have had 2 mortgages there.

This only proves that different people want, and get, different things from a bank, and all branches of the same bank are different anyway.

For me Barclays were the scum, and I would never go back there.

My Parents had a Barclays account at the same time I did, and my mum picked up my chequebook by mistake and wrote a cheque. The only problem was that it was for a stage payment on the garage we were having built...£3000. (and this was 18 years ago when that was a lot of money).

Did Barclays notice the fact that the signiature was wrong?

Did Barclays question the fact that £3000 was being drawn from an account with £15.32 in it???

Did they fuck, they just handed over the cash, then sent me a nasty letter telling me I was £2984.68 overdrawn.

Did Barclays apologise when I complained about the above things they may have noticed?

Did they fuck. They just sent me a snotty letter refering me to the inside of the front cover of my chequebook where it says 'Do not let other people use your chequebook' Like I did it on purpose!!! Can't find your cheques Mum? Here use mine.

I left as soon as I paid off the overdraft!

s

 

[gremlin]

Originally posted by furofknight
..secondly im taking a GAP year..

GAP year.. wassat? 12 months wearing clothes that are supposed to be trendy but which are in fact overpriced american toss?

 

[Skyler]

Hmm... I'm finding it hard to open my Bank Account, damn bastards keep wanting more ID

I'm trying to go with HSBC though, their online banking seems rather nice, I havent seen the others, I havent seen a Barclays in the high street here for ages, dunno where they have got to

 

[.cage]

Re: Re: Bank accounts

Originally posted by gremlin

GAP year.. wassat? 12 months wearing clothes that are supposed to be trendy but which are in fact overpriced american toss?

Gay and proud LKAOELORLORLKORLKORL RLOPLO l

 

[granny]

All banks suck arse and are evil scheming cunt0rs after your money. Really, there is very little difference between any of them, go for the most convenient one, the one with the most cashpoints & branches near you, all other differences are cosmetic since underneath they are all run by the same scum guzzling excretions of weaselness from Satan's own mangy armpits.

 

[(Shovel)]

I've got an under 19s account with LloydsTSB and a Student account with Smile.

Lloyds have never done me any harm though they never gave me a proper VISA debit - he tried to set one up and wiped my credit history...

Smile seems OK though paying money in is a drag unless you do online transfers (between different banks) - and that takes 4 days to clear too.