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Ben J

 posted on 31st Jan 12 at 20:27

quote:
Originally posted by M2RTY
first direc t have branches? how does that work?


No but they are part of HSBC so you can use their branches.

Must admit though I've moved my savings out and into an ING account for better interest.


LeeM

 posted on 31st Jan 12 at 19:13

Need to change banks, HSBC won't give me a student account and I'm paying over a fiver a month in overdraft charges. Not much but I'd rather not pay them


M2RTY

 posted on 31st Jan 12 at 19:08

first direc t have branches? how does that work?


M2RTY

 posted on 31st Jan 12 at 19:04

i used to get 60-65t a month interest on my isa and flexi saver, now i get about 2 quid

but my mortgage went down 250 quid, so overall i was better off still


Cavey

 posted on 31st Jan 12 at 13:39

quote:
Originally posted by spencer88
quote:
Originally posted by Ben J
EGG do cashback don't they?



Have they not been bought by Barclays?


Yep, got taken over and laid off all their staff in the call centre in Derby


Matt L

 posted on 31st Jan 12 at 13:19

quote:
Originally posted by spencer88
quote:
Originally posted by adiohead
I swear HSBC have stopped paying me interest :lol:





:lol: they really dont pay anything even in their bonus online saver when i sold my car and had a fair bit of money in there i only got £1something interest in the month, i get more than that each month on less than £2k :lol:


spencer88

 posted on 31st Jan 12 at 13:09

quote:
Originally posted by adiohead
I swear HSBC have stopped paying me interest :lol:




adiohead

 posted on 31st Jan 12 at 13:06

I swear HSBC have stopped paying me interest :lol:


Matt L

 posted on 31st Jan 12 at 13:02

quote:
Originally posted by John
Wouldn't be paying for a cashback credit card, can get one for free.


ill be cancelling it after this year tbh, only using it while i get a decent interest rate on the current account hate using them.


Ben J

 posted on 31st Jan 12 at 12:36

Not sure. Not got one. Just remember they do cashback.


spencer88

 posted on 31st Jan 12 at 12:34

quote:
Originally posted by Ben J
EGG do cashback don't they?



Have they not been bought by Barclays?


Ben J

 posted on 31st Jan 12 at 12:33

I bank with First Direct. Been with them for about 15 years. They are awesome.


Ben J

 posted on 31st Jan 12 at 12:33

EGG do cashback don't they?


John

 posted on 31st Jan 12 at 12:32

Wouldn't be paying for a cashback credit card, can get one for free.


Rob_Quads

 posted on 31st Jan 12 at 12:31

quote:
Originally posted by LiVe LeE
Rob, HSBC requires a 10 digit number, password, 6-8 digit passcode for the pin gadget and then the pin gadget generated passcode for access.


Ouch. Very impressed with First Direct. Nice and easy to remember usernames and a decent iphone app too which means while i am out about its easy to look at the banking situation.


Matt L

 posted on 31st Jan 12 at 12:23

i changed from hsbc to santander a few months bac.

purely for the £100 you got for moving.

but tbh the interest rate on the current account for the first year is 5% iirc either way i get a couple of quid a month interest instead of the odd few pence i got at hsbc.

also got their cash back credit card at the same time (costs £24 a year) but only 3 months of use and i have already earnt that back, so the next 9 months will be just money back in my pocket so to speak.


RichR

 posted on 31st Jan 12 at 09:14

Rob, HSBC requires a 10 digit number, password, 6-8 digit passcode for the pin gadget and then the pin gadget generated passcode for access.

The pin device is a royal pain in the arse as, like Mart says, when you're out and about


Rob_Quads

 posted on 31st Jan 12 at 08:49

More and more are introducing the bloody pin devices. Nartionwide no only had that but also a 10 digit number to remember.


M2RTY

 posted on 31st Jan 12 at 08:27

http://www.moneysavingexpert.com/banking/compare-best-bank-accounts

2nd one i was looking at as my lass is with them too and plenty of branches

hsbc also use stupid pin gadgets to access online banking which is useless when im out and about


Kerry

 posted on 31st Jan 12 at 08:24

Money saving expert tells you about good deals and some offer cash back to switch to them. I've never changed personally because I worked for the bank and couldn't but now I don't I've considered shopping around although an accounts and account to me when I just use it to keep money in every month lol


M2RTY

 posted on 31st Jan 12 at 08:20

i guess bank accounts are like anything nowerdays, new customer deals are better than loyalty and it pays to shop around.


with hsbc nowerdays and getting naff all from them, looking to switch, maybe Halifax as they are offering some good deals - anyonje switched recently?

I dont need an overdraft, dont use a creditcard, have a maxed out isa and need a savings account minimum