which bank?

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Re: which bank?

Bitstring <>, from the wonderful
person J L Williams <> said
>I'm not a rate tart, CC user or planet wide traveller.
>I'd just like to be able to manage my affairs online with out the hassle
>of parking, queueing etc.
>Affairs ?
>Very simple, a *private* individual's SOs, DDs, online transfers and
>pension acceptance. I would also like to be able to have one account
>which will not overdraft.
>Currently with ...one I'm beginning to regret (yes a high street bank).

Smile works good for me - if you have a local post office you can use
for money in/out. Halfway decent rate of interest for a current a/c, but
it's trivially easy to move it to/from a deposit a/c (e.g. ING Direct)
if you want to.

--
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Re: which bank?

On Fri, 2 Jun 2006 10:44:46 +0100, J L Williams
<> wrote:

>I'm not a rate tart, CC user or planet wide traveller.
>I'd just like to be able to manage my affairs online with out the hassle
>of parking, queueing etc.
>Affairs ?
>Very simple, a *private* individual's SOs, DDs, online transfers and
>pension acceptance. I would also like to be able to have one account
>which will not overdraft.
>Currently with ...one I'm beginning to regret (yes a high street bank).

I use Lloyds TSB, Classic Plus account, which pays 4% monthly if you
pay in at least £1,000 on balances up to £5,000. They also have an
On-line Saver, which pays the same rate on balances over £250 (IIRC).

Their internet banking has worked very well for me, with all the
facilities I want.
--
Terry Harper
URL:

Re: which bank?

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Re: which bank?

In article <>,
J L Williams <> wrote:

> Thanks for the reply and for your experiences. One thing I wanted was an
> account that would not be allowed to overdraft. The intention was to run
> it with only sufficient funds that fraud would be limited to the amount
> I decided to leave in there as I do some online transactions. I was
> refused, "Ah no one (bank?) will agree to that" I was told.

My vote would be another one for Smile, but their current account does
come with a £500 overdraft facility "automatically". I don't know if
they would be prepared to drop it lower than that - slightly different,
but I wanted a credit card with a really low limit because I wanted to
use it for continuous payments and £500 was as low as they could go on
that. You'll lose nothing in asking the question though.

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Re: which bank?

On Sat, 3 Jun 2006 19:44:16 +0100, J L Williams
<> wrote:


>Thanks for the reply and for your experiences. One thing I wanted was an
>account that would not be allowed to overdraft. The intention was to run
>it with only sufficient funds that fraud would be limited to the amount
>I decided to leave in there as I do some online transactions. I was
>refused, "Ah no one (bank?) will agree to that" I was told.
>Cheers
>jim

Tell them you want an overdraft of £1 then.
We were told this nonsense for our joint account - that we HAD to have
an overdraft limit.
Surely though you are expectiong the bank to stop transactions which
would take you over the limit but chances are they would charge you
for going overdrawn and you'd have to get back the charges whilst
sorting any fraud out.
Get a Credit card with a tight limit - I assume these stop letting you
spend once you've reached it.(but could be wrong)

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Re: which bank?

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