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to ask who you bank with any why?

(70 Posts)
audens Wed 06-Mar-19 08:42:22

I've got accounts with Barclays and NatWest. Now I have a son, I want to open a junior ISA for him. I want a good one with good rates but also want to transfer all my money to the same bank so it's all in the same place. Not sure how easy it is to do but sounds stressful...

Any bank recommendations? I'm not massively enamoured by Barclays, NatWest is ok...

audens Wed 06-Mar-19 08:46:49

*and why not any why!

Igotthemheavyboobs Wed 06-Mar-19 09:08:58

I'm with Natwest and wouldn't leave, been with them since my dad set up a savers account for me at 14. I have never had issues with them and their od usage is not charged at a perday rate.
Have been with Halifax as a joint account with an ex which I just had issue after issue with. Although my mortgage is with them and very good!

Gatehouse77 Wed 06-Mar-19 09:10:33

Santander 123
The monthly fee is always covered by the cash back offers.

SprogletsMum Wed 06-Mar-19 09:11:01

I'm with Natwest and Tsb. They're both ok I've been with them for years. I'd never have all my money in one bank. Both of them have had issues with customers not being able to access their money. This hasn't affected me as I just used the other account.

MillytantForceit Wed 06-Mar-19 09:13:03

Nationwide because it's a mutual.

Poppyfr33 Wed 06-Mar-19 09:13:05

Nationwide, have a local branch in small town, staff are really helpful. Use online banking with no issues.

BrightYellowHat Wed 06-Mar-19 09:14:41

First Direct - they are fantastic.

audens Wed 06-Mar-19 09:24:54

I tried to switch to first direct as I've heard good things. I couldn't switch, they wouldn't tell me why, my credit rating is 'excellent' 🤷🏽‍♀️

SleepingBooty Wed 06-Mar-19 09:28:10

Santander 123 for cashback and 1.5% interest. It's my current and savings account. I also have reward accounts with Halifax and BOS for £2pm each cashback and a packaged account with Halifax for travel insurance and breakdown cover.

Busybusybust Wed 06-Mar-19 09:42:18

First direct. They answer the phone within 3 rings. You get to talk to a charming Scottish person. Never seem to makes mistakes.

I was on the phone to them once and happened to mention that I was having an operation - they sent me a lovely box of crocs!

Fatbutt Wed 06-Mar-19 09:42:34

I would never ever bank with Santander for anything again. had a horrendous experience with them a few years back - Have products with Natwest and Halifax and are more than happy with them.

nutellalove Wed 06-Mar-19 09:50:15

Lloyd's - their online banking and app is the best.

hellsbellsmelons Wed 06-Mar-19 09:54:59

Santander 123
You get interest on money in your account and you get cashback on lots of direct debit items. Bills, mortgage, etc.....
No idea what their ISA's are like though.

I just set up a trust fund type thing for my DD when she was born.
It was with One Family.
Great return. At 21 she has a nice amount in her account now.

ScarletAnemone Wed 06-Mar-19 09:55:28

Money Saving Expert is running a poll on customer service in banks this week. Current results are here:
www.moneysavingexpert.com/poll/05-03-2019/how-do-you-rate-your-bank-accounts-service

M4J4 Wed 06-Mar-19 09:59:14

For some reason I always had trouble logging into the NatWest banking app.

Plus they made such a meal about our mortgage application, insisting that it wouldn't be be accepted.

We tried Halifax where the mortgage advisor was like 'Why wouldn't your mortgage application be accepted, we do these all the time!'

So NatWest were a bit incompetent.

HundredMilesAnHour Wed 06-Mar-19 10:00:38

I'm with Nationwide and have been for years and I'm very happy with them. Prior to that I was with HSBC (who are ok but not amazing).

I've done a lot of work in the banking industry (trying not to be too outing here) so know the main players and their capabilities (or lack of) pretty well. I wouldn't touch Barclays with a barge pole. NatWest are pretty inept.

If I was opening an account today, the only places I'd consider would be Nationwide or First Direct.

watchmefly Wed 06-Mar-19 10:02:42

I had a number of accounts where I’d deposited my house sale proceeds with the Halifax/Bank of Scotland (HBOS) group and Lloyds/TSB, all of whom I later discovered were part of the same group. Never, ever, ever again. Halifax wrongly recorded my landline telephone number which meant that I couldn’t pass security due to their error. They then blocked access to all the other accounts. They refused to discuss anything at all over the phone so I took the afternoon off work to go to my local Lloyds branch where I spent over an hour speaking to an extremely rude and aggressive person in their security team who, despite the fact that I had brought my passport and utility bills into the branch as identification, refused to accept I was who I said I was. When I tried to challenge this, she simply said she wasn’t prepared to discuss it further and put the phone down in me. I nearly lost my house purchase as a result.

Halifax, Bank of Scotland, Lloyds TSB, Birmingham Midshires. Never, ever, ever again.

watchmefly Wed 06-Mar-19 10:04:11

Nationwide and Tesco were however superbly professional.

Alwaysadramaaa Wed 06-Mar-19 10:09:18

I bank with Lloyds because I work for the banking group. No other particular reason however their online banking app is amazing. We get most people transfering their banking from hsbc & Santander after issues with them

GeneandFred Wed 06-Mar-19 10:11:22

Nationwide.

No issues and customer service is amazing.

FiveGoMadInDorset Wed 06-Mar-19 10:12:45

Lloyds as it there is still a local branch

EssentialHummus Wed 06-Mar-19 10:13:08

I've always found Skipton BS the best, oddly. I have absolutely no connection to Skipton the place but now do whatever I can through them and the lovely accents on the helpline don't hurt either.

Alsohuman Wed 06-Mar-19 10:14:17

First Direct, I was one of their first customers 32 years ago and would never even think of changing.

DGRossetti Wed 06-Mar-19 10:15:09

Nationwide. Purely because they're not a bank. Profits to the members and all that ...

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