Bank accounts

[Penry]

I chose on how much free cash they each gave when you opened a student account (HSBC won at the time - £30, and a £200 intrest free overdraft too) - they were good when i finished my course too, had a meeting with the manager, explained to him i'd finished me course and needed a load of cash to get the most of my last 6 weeks in studentsville, and they game me an additional £600 interest free O/D so i could piss up the last few weeks as a student...

 

[Lester]

DON'T get a bank account, they will know where you are then....

yours

carlos the jackal

 

[stu]

Originally posted by granny
go for the most convenient one, the one with the most cashpoints & branches near you

Although this popular myth still persists, let me set the record straight - as of about 2 years ago, you can use ANY cash machine on the Link network (that includes all the major banks) and not get charged a 'disloyalty fee'. The only time you get charged is by those "porta-cashpoints" that they have in petrol stations etc now, that is operated by the vendor and they charge everyone.

I agree with granny in that they're all arseholes. But even if you assume you're going to get totally shit customer service from everyone, there's still a massive difference between the interest rates paid/charged, and the "punishment fees" for going overdrawn etc. Typically the high street banks charge about 2.5-3x as much interest on an overdraft, pay out 30-40x less on credit interest, and charge 7x as much for punishment fees, as your average internet bank. Not a difficult choice to make, imo.

 

[LTF]

Barclays = aids
Have just closed my account, when i didnt have money they wouldnt help me AT ALL, so when i did, i moved to lloyds

 

[stu]

out of the frying pan, into the nuclear reactor, donkeh

 

[danger]

vote with your feet... like it!

I really should of done after ShatWest screwed me around over a bleeding switch card... changed my bank account to one with a £6 a month charge (long story.. went into a branch.. they said I wasn't eligible to use my current account anymore [was for under 18's] and that they'd upgrade my account to a very similar one now I was an adult, if I just signed here........ Yup I learned the hard way heh )

 

[James-]

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

Saigon. Shit. I'm still only in Saigon.

Er sorry... I'm with Lloyds except I've only got a Visa Electron so I know nothing and am not the person to ask at all.

*shuffles off*

 

[LTF]

Visa Electron, isn't that a 'Junior Shopper' card?

 

[Wij]

Um, I bank with the bank I work for

 

[James-]

Originally posted by d0nk3h
Visa Electron, isn't that a 'Junior Shopper' card?

Yeah, I would have gone for Solo/Switch which is a bit better iirc, but Lloyds only do Electron :/

As someone said in here before (I think) they don't even have raised letters!

 

[Hashmonster]

barclays = crap

HSBC is teh good!!1! and their online banking service is fecking great, i can move my savings about almost too easily!

 

[Kempo]

mank0x u cant get a switch til your 18, but i would say solo is worthwhile u can do online shopping with it, r0x0s im with bank of scotland btw, i dont much care about my bank really i type in 4 digits and a wall gives me money that suits me fine (student loan so i havent worked for a penny of it )

 

[bigbb]

HSBC.

 

[echo]

Nationwide. Rawk.




Or Hong-Kong-Shanghai-Banking-Corporation

 

[Furr]

Fecking great init, Ok got to the last stage at HSBC for getting my account set up even got accepted for a Visa card and im an uneployed student! but it the computer system won't accept me!

The reason why it wont accept me is because im not on the electral roll yet although i have sent off my application about 2 weeks ago, and the computers dont like birth certificates, and i had just bloody sent of my passport for renewal and have just applied for a driving licence. Sooo at the moment i have no ID it will accept! the only thing im able to do is wait till i get all my id back. DOH!

 

[bodhi]

Originally posted by furofknight
Fecking great init, Ok got to the last stage at HSBC for getting my account set up even got accepted for a Visa card and im an uneployed student! but it the computer system won't accept me!

The reason why it wont accept me is because im not on the electral roll yet although i have sent off my application about 2 weeks ago, and the computers dont like birth certificates, and i had just bloody sent of my passport for renewal and have just applied for a driving licence. Sooo at the moment i have no ID it will accept! the only thing im able to do is wait till i get all my id back. DOH!

Sucks to be you.

 

[Skyler]

ID problems sux

 

[Furr]

yup, it sux.

 

[LTF]

I had a junior shopper once, was soul crushing, about as useful as monopoly money