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Which Online Bank? (UK)

R

Red Velvet

macrumors newbie
Original poster
Jan 18, 2007
22
0
I am thinking of opening an online bank account. Does anyone here, from the UK, have an online current account - do they offer decent benefits and are there any drawbacks that you've experienced.

I presume you get the same cards as any highstreet bank etc?

Thanks for your input.
 
MacboobsPro said:
No idea about benefits, but HSBC online banking is VERY easy to use.
Click to expand...

Hi, I was actually meaning online only - I guess HSBC I would have to go in, sign up etc etc - then I would be eligible for online part of the account.

What I'm looking for is completely online - a bit like smile I guess
 
Red Velvet said:
Hi, I was actually meaning online only - I guess HSBC I would have to go in, sign up etc etc - then I would be eligible for online part of the account.

What I'm looking for is completely online - a bit like smile I guess
Click to expand...

Oh i got ya. My excuse for being stupid today is...

*flicks through book*

"A spider crawled into my ear and laid a clutch of eggs. The eggs hatched and are now feeding on my brain."
 
Red Velvet said:
Hi, I was actually meaning online only - I guess HSBC I would have to go in, sign up etc etc - then I would be eligible for online part of the account.
Click to expand...

Not always. Some of the high street banks allow you to sign up and completely manage your account online without going near your branch.

I bank with the Bank of Scotland but I haven't been in a branch in over 10 years ;)

First Direct you can sign up and deal online with.
 
Applespider said:
Not always. Some of the high street banks allow you to sign up and completely manage your account online without going near your branch.

I bank with the Bank of Scotland but I haven't been in a branch in over 10 years ;)

First Direct you can sign up and deal online with.
Click to expand...

I'm with Bank of Scotland too, mostly as I've banked with them since before I knew what a bank account was. I've opened some accounts entirely online and only ever go into a branch to pay in cheques which is almost never.
 
A highly recommended one is Smile - there seems to be lots of recommendations on the Money Saving Expert forums and more importantly it has an ethical banking policy. None of your cash being invested into plastic land mine companies.

I'm currently with the Halifax, who are an decent bank. Their on-line service is very good, with decent interest rates on their current account, and a nice web-saver account. You could do worse then the Halifax.
 
geese said:
A highly recommended one is Smile - there seems to be lots of recommendations on the Money Saving Expert forums and more importantly it has an ethical banking policy. None of your cash being invested into plastic land mine companies.
Click to expand...

Thanks, I've actually just applied for an account with them

I'm currently with the Halifax, who are an decent bank. Their on-line service is very good, with decent interest rates on their current account, and a nice web-saver account. You could do worse then the Halifax.
Click to expand...

I am with the Halifax currently, very good online service. Good bank over all. However, my ex-girlfriend works for them and I don't like the thought of anyone peeking into my account.

Thanks for your help anyone. Still looking for more suggestions, if anyone has anything else to offer, great.
 
I work for halifax too. Your ex-girlfriend doesnt have much of chance of peeking at your account. Every account we look at gets tracked, and your name put against it. Unless she had a legitimate reason to go into your account, she'd get fired for looking at it.
 
I know you're looking for online only, but HSBC current account is really easy to use. You don't ever have to go into a branch - apart from to pay cash/cheques in (but you'd have to do that with any account).

As for a savings account, Northern Rock is really good. Or at least it looked like the best one when I had a savings account, but I closed it because, well, I never had any savings :eek:
 
geese said:
A highly recommended one is Smile - there seems to be lots of recommendations on the Money Saving Expert forums and more importantly it has an ethical banking policy. None of your cash being invested into plastic land mine companies.
Click to expand...


I can also recommend Smile - very good rates plus an etical policy. :)

Alliance and Leicester also have very, very good rates, but no ethical policy :(
 
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