Which Current Account Do You Have

[phleb]

and do you pay a fee. I am looking to transfer from halifax to a different one, but don't know where to go. I dont want to pay a monthly fee for the account and will transfer all direct debits to it. thanks

[tonyav]

HSBC no fee.

[EcclesCake]

First Direct

[bednobs]

most banks have a no-fee current account at the moment. However, i'm absolutely sure that will change next year, and once one takes the leap and starts charging, the others will too. If you don't mind who you change to, go for one that gives you money for changing, like santander

[owdhamer]

Yorkshire penny bank.

[Psybbo]

Danske bank

[DaisyNonna]

Do not impart that information.

[SlackAlice]

Halifax plc already have a non-monthly fee Current A/C, just switch.
Nationwide also do a FlexAccount with no monthly fees.

[bednobs]

http://www.moneysupermarket.com/current-accounts/

[factor-fiction]

I would never choose to pay a fee, either. A few banks offer an incentive of around £100 if you switch to them and have your salary paid in or pay in a minimum amount each month of maybe £1000. I have switched a few times to get a reward payment and found all were pretty much the same for service. First Direct may still offer this incentive and score highly on customer services. But I always end up reverting back to my smile internet banking account as my mine account. The service has always been good and I never forget my login details

[Buenchico]

I've got a Barclays Cash Card Account, which does of all of the 'day to day' transactions needed (such as accepting transfers from other people, paying out direct debits and standing orders, etc) but doesn't offer a cheque book or overdrafts. There's no monthly fee and the few bank charges which might apply (such as for bouncing a direct debit payment when I've got insufficient funds in the account) are far less than those charged by most other banks.

Chris

[boxtops]

Nationwide Flex Account is good if you want a building society rather than a bank - no fee, a low rate if you use your card abroad. I like 'em.

[welshlibranr]

am with Halifax, and happy with them!..........

[phleb]

i really want a good overdraft limit.

[phleb]

I have been with halifax for 22 years...since i were a kid. But loyalty does not pay where they are concerned. I pay £15 for the account, and £300 overdraft fee free. But i cannot afford the £15 anymore, so need to change to fee free current account. They cannot be bothered to help me :-( so hence im leaving them

[Hopkirk]

Santander Bednobs?

Haven't you been watching the TV, with all the stories of bad service and lost money?

I'm about as likely to use Santander as I am to use British Gas or Ryanair,

[SlackAlice]

phleb
You have one of the 'Reward' a/c with the Halifax if your paying £15 monthly. Get Halifax to downgrade it to just a Current a/c. I have a just got an ordinary Current Bank A/C plus £500 agreed O/Draft, with cheque book and Visa debit card. Obviously if you use the O/D then there are extra charges.

Must admit Halifax plc do not make it obvious you can downgrade. I have similar arrangements with the Nationwide B/S and I find them much better.

[New Judge]

Lloyds Vantage current account. No fee and they pay you 4% interest on balances up to £6k (so they will pay you £240 a year if you keep £6k in there).