[rogerxp]

Yes, I know all banks are robbing bastards, but I'm getting thoroughly pissed off with HSBC (who I've been with all my life - Griffin Super Saver anyone ).

It seems to be pot luck whether an online payment is instant or takes 3 days. Seems different depending which way the transfer is being made if you get my drift i.e. RBS to HSBC - 3 days / HSBC to RBS - instant . If I'm making an online transfer I have no clue (unless they also bank with HSBC) whether it'll be instant or not.

Also, they have a daily online payment limit of £10,000, which I needed to exceed today (check me out ). So, the balance will have to be paid tomorrow BUT it seems as I did the transaction at 6.01pm it won't be processed until tomorrow so I can't send the balance until Thursday so the total monies won't arrive until Monday (i.e. 3 further days) . Is this £10,000 per day across the board or are HSBC just being twats .

Fucking annoying. Oh, plus their call centre is in India which is just a fuckin' nightmare.

Any recommendations so I can get -:
- instant online payments/transfer
- more than £10,000 daily payment limit

RBS seems to be the favourite as that's who my business account is with but open to suggestions.

[Em135eye]

We've got HSBC Premier - you speak to real people (in the UK) and they are very good. You either need a certain amount saved, a certain size mortgage or have a reasonable salary and it's free.

Free travel insurance, free extended warranties on most stuff (e.g. extra 2 years on the new Macbook Pro and Blu Ray player) and some other goodies.

Genuinely decent service.

Business bank with them too - all seems okay.

They do have cack interest rates on savings though.

[rogerxp]

Well I have bugger all savings (now ) and a huge mortgage (not with HSBC) . Everytime they do collar me about upgrading my account I need to part with some cash to do so. I'm obviously not in your league .

[chris330D]

Smile (co-op internet). Been really good. Can do just about everything online but you can phone them as well. Best bank I have had.

[rogerxp]

On principal I really don't want to use Halifax (due to their pull-your-eyes-out-of-their-sockets irritating adverts) but just spotted this on Quido

Is your current account rewarding enough? The Halifax Reward Current Account pays you a £5 monthly reward directly into your bank account when you pay in £1,000 each month. Plus you'll get £50 cashback when you open it.

[willhollin]

http://www.coutts.com/

[Em135eye]

Originally Posted by rogerxp

Well I have bugger all savings (now ) and a huge mortgage (not with HSBC) . Everytime they do collar me about upgrading my account I need to part with some cash to do so. I'm obviously not in your league .

You'd get free Premier stuff with that mortgage - needs to be over £250k I think or £75k salary or £50k (I think) in savings.

[Hotcoupe]

Originally Posted by willhollin

http://www.coutts.com/

Good recommendation Will, Coutts take care of my UK interests, whilst Credit Suisse look after the offshore stuff.

[Steve A]

Originally Posted by Hotcoupe

Good recommendation Will, Coutts take care of my UK interests, whilst Credit Suisse look after the offshore stuff.

check you out you posh twat

i have a big mattress.

[pjs]

First direct, been with them for 20 years, never made a mistake, always speak to someone when you call, Internet and iPhone apps ideal.

[rogerxp]

Originally Posted by pjs

First direct, been with them for 20 years, never made a mistake, always speak to someone when you call, Internet and iPhone apps ideal.

Oh, that's a good shout, thinking about it a mate of mine swears by them...

[prt71]

Originally Posted by pjs

First direct, been with them for 20 years, never made a mistake, always speak to someone when you call, Internet and iPhone apps ideal.

Found them faultless over the years, joined them in I think 1991, one of my passwords used to be "citroen" until recently from the AX GT I had when I joined them!

[Hotcoupe]

Originally Posted by Steve A

i have a big mattress.

I'd heard you'd been piling on the pounds

Back in the real world, I'm also with First Direct, outstanding service

[peterg1965]

Nationwide Building Society? Great reputation, I have a Mortgage with them but my current account is Barclays, I have been with BARC since 1983!

[JLR1969]

First Direct for me also (they are part of HSBC)

UK call centre and easy Internet access, never had a problem with them ever.

Even give you £100 to switch if you pay in £1500 a month.

[Steve A]

Originally Posted by Hotcoupe

I'd heard you'd been piling on the pounds

Back in the real world, I'm also with First Direct, outstanding service

re mattress - its piling in the pounds

[KadeSdad]

Originally Posted by rogerxp

RBS seems to be the favourite as that's who my business account is with but open to suggestions.

RBS still has the £10k daily limit on transfers. Both our personal and business is with RBS. Have to say the business banking side of things has been exceptional. I get free business banking (have done for the past seven years) and a business manager who is A1. Telephone banking is excellent (always a UK centre) and the online banking is pretty comprehensive.
We have two personal mortgages with them, one offset and the other interest only, no problems there either.
Their "Black" credit card offers a host of benefits and is worth having.
RBS house insurance is very poor though IMO.

Saying all that my arse fell out of my pants two years ago when it nearly went to the wall!

[kaishang]

I've used HSBC in 5 countries now.

I now have zero HSBC accounts, because they have screwed up every time. Now I've dumped HSBC the amount of effort I put into my banking has shrunk by literally 95%.

[Boyd1963]

Originally Posted by pjs

First direct, been with them for 20 years, never made a mistake, always speak to someone when you call, Internet and iPhone apps ideal.

+1

I've been with them since they started and never had any complaints.

[EssexIan]

Whatever you do, don't go anywhere near Santander or any of it's subsidiaries!

Staff in branches are very polite but have absolutely no authority to do anything, unfortunately neither does anyone at the telephone banking centre! Truly useless!

Moving very soon to Co-op.

Ian

[zltm089]

with banks....its about knowing the right senior people in the "escalated" complaints team!...

all their call centre staff are bloody useless....all they can do is tell you about the terms and conditions and post you duplicate statements for which they charge you....

I'm with Lloyds and i managed to get some useful contacts while writing to the CEO/ Head of retail banking to complain! ....

Everytime i gave the chance to the branch and call centre staff to sort things out but they were just useless muppets....

from a big transfers to removing unfair charges...they can't do fcuk all...

but one call to their executive team, and its all sorted!!!...

[misterS3]

I'm with Woolwich now Barclays. Offset mortgage. All good.

I'd pick one that has a branch nearby so that when you do go into a Michael Douglas Falling Down style breakdown you haven't got far to go to 'even up the score'