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phill.c
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Joined: 13 May 2004
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PostPosted: 14:31 - 30 Jan 2007    Post subject: banks accounts??? Reply with quote

At the moment i'm with yorkshire bank and have been since i was a little. i want to change my account to someone else but not sure who and not sure who's best, what kinds of things do i need to look at? had a look at moneysupermarket.co.uk.
what does AER stand for and are there any other abbreviations i need to look out for?

alot of questions i know but basically just some help guiding me in the right direction will do. is there any places with rewards for switching banks.
i'm 21 on the 20/02 if that makes any difference.
i want a bank with internet banking, telephone overdraft and a branch if possible but suppose if the figures are right i can do with out a branch.

thanks for any help given
phill.c
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Itchy
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Joined: 07 Apr 2005
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PostPosted: 14:38 - 30 Jan 2007    Post subject: Reply with quote

AER annual equivalent rate ,

it means that banks who do special special offers but then withdraw them , the AER is what you'll effecticely get
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Last edited by Itchy on 14:42 - 30 Jan 2007; edited 1 time in total
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Itchy
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PostPosted: 14:40 - 30 Jan 2007    Post subject: Reply with quote

Just do what I do keep an ING , and a std bank account which pays jack interest , but has all the DDs linked to it,

First direct used to be ok , highish interest but now they charge money for their services so not so good.
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SoulRider
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Joined: 13 Nov 2005
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PostPosted: 14:42 - 30 Jan 2007    Post subject: Reply with quote

Im with halifax and their pretty good, sorted me out with loan which will be paid back by 2010, not bad apr for my age and i also get debit card with £150 over draft, easy internet banking and there is telephone banking.
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Suzuki
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Joined: 03 May 2005
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PostPosted: 14:43 - 30 Jan 2007    Post subject: Reply with quote

I have accounts with Natwest and Lloyds TSB. Natwest are by far the best of the two, and their online banking is superb.

I'd definitely recommend Natwest to you.
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GodzGift
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PostPosted: 15:22 - 30 Jan 2007    Post subject: Reply with quote

hsbc is the best one i think out of the 3 other accounts i use ( barclays, abbey, natwest,)
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TOM M
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PostPosted: 19:05 - 30 Jan 2007    Post subject: Reply with quote

Im with hsbc, ive found them very professional and easy to deal with. Ive had no problems with them and ive got online banking, overdraft, telephone banking and 2 local branchs to pop into.

All the staff in the 2 local branches (rugeley & stafford) are always very friendly and know what thier doing Thumbs Up
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BigChris
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Joined: 25 May 2005
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PostPosted: 20:05 - 30 Jan 2007    Post subject: Re: banks accounts??? Reply with quote

phill.c wrote:
At the moment i'm with yorkshire bank and have been since i was a little. i want to change my account to someone else but not sure who and not sure who's best, what kinds of things do i need to look at? had a look at moneysupermarket.co.uk.
what does AER stand for and are there any other abbreviations i need to look out for?

alot of questions i know but basically just some help guiding me in the right direction will do. is there any places with rewards for switching banks.
i'm 21 on the 20/02 if that makes any difference.
i want a bank with internet banking, telephone overdraft and a branch if possible but suppose if the figures are right i can do with out a branch.

thanks for any help given
phill.c


Halifax are doing a High Interest Current Account, paying out 6% apr. If you use the switching account facility, they will also give you £100 to switch. Conditions: need to deposit over £1k per month (i.e. wages).

I've got it, and its the dogs doodars. When the switching takes place, you get an 0% overdraft. Nice touch!
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dew
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Joined: 26 Sep 2006
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PostPosted: 10:12 - 31 Jan 2007    Post subject: Reply with quote

Join firstdirect (net only version of HSBC)! Pays £50 when you join! Thumbs Up
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