MattyA Bank Dilemma

[MattyA]

I also note that M&S products are issued by HSBC - which worries me TBH - They are my main bank who I have kept sweet to date O/D & CC with them - was going to tackle them last - Once I knew the outcome with my other stuff. They also own GM crd I found out this week ,which I have and is UE - I think alarm bells must be sounding in HSBC now.

• My UE Diary is here: ---> viewtopic.php?f=49&t=366

Time to get another account set up PDQ me thinks.

[Elsie52]

Re: MattyA UE Diary

Matty. we opened a Basic bank account with the Co-op Bank....You get a debit card and cheque book, but you do not get, not do you want an Overdraft facility.

We have been with them for almost 3 years now, and opened it just before we started our DMP. They are quite strict and from what I have read from other users they frown on going overdrawn......I can't say for sure 'cos I make sure that it never happens.

I believe that Barclays also do a Basic bank account, but remember don't open an account if you have any loans or cc with them now.

This link may help you, but have a look at the Bank acount section on here,

viewtopic.php?f=16&t=81

[mk_chatham]

Re: MattyA UE Diary

Hi ;Hi1

Another vote for the Co-op Cashminder account from me.

Took me a couple of minutes to set up over the phone and they gave me my account details straight away, so your wages could go into the account immediately.

I was concerned about the lack of branches but cheques can be paid in free of charge at the PO, internet banking works fine, lack of overdraft can be a pain - you just have to literally watch the pennies !

So much nicer to deal with than LTSB ;-y

[swanfan]

Re: MattyA UE Diary

Yes the Co-op are good but i see Matty has an o/s cc with them so no good. ;N

Think the Yorkshire Bank maybe for you--> viewtopic.php?p=479#p479

[mk_chatham]

Re: MattyA UE Diary

Yes, ignore my post Matty, thanks for pointing that out swanfan !

That will teach me to reply without reading the first page of the diary,

[5corpio]

Re: MattyA UE Diary

Nationwide Building Society is another - i opened on online and decsion was made there and then instantly (cash card account, if regular monies are going in and out, they'll up date to to Visa Debt account) turn around was 3 months....

[Never-In-Doubt]

Re: MattyA UE Diary

Nationwide Building Society is another - i opened on online and decsion was made there and then instantly (cash card account, if regular monies are going in and out, they'll up date to to Visa Debt account) turn around was 3 months....

Is this upgrade to a full bank account or just a debit card; still with cashminder style account?

[5corpio]

Re: MattyA UE Diary

Nationwide Building Society is another - i opened on online and decsion was made there and then instantly (cash card account, if regular monies are going in and out, they'll up date to to Visa Debt account) turn around was 3 months....

Is this upgrade to a full bank account or just a debit card; still with cashminder style account?

They sent me a letter to say that as I have made regular transactions that they gave me a visa debit card one step up from cashcard acct. (No cheque book account). Cashcard acct u can do online banking, transfers & DD though. U get sort code & bank acct number

[MattyA]

Re: MattyA UE Diary

Thanks for all the responses people - they are all much appreciated.
I need an account with dd / so facilities along with a debit card.....nothing else.
I will give the nationwide a go as I have a branch near to where I work.
Thanks again everyone.

[MattyA]

Re: MattyA UE Diary

Yes the Co-op are good but i see Matty has an o/s cc with them so no good. ;N

Think the Yorkshire Bank maybe for you--> viewtopic.php?p=479#p479

Thanks swanfan - do you get a debit card with this type of account?

[swanfan]

Re: MattyA UE Diary

Thanks swanfan - do you get a debit card with this type of account?

See here Matty--> http://www.ybonline.co.uk/personal/curr ... t-account/

Swanny 2

[Never-In-Doubt]

Re: MattyA UE Diary

cheers swanny y

[5corpio]

Re: MattyA UE Diary

Thanks for all the responses people - they are all much appreciated.
I need an account with dd / so facilities along with a debit card.....nothing else.
I will give the nationwide a go as I have a branch near to where I work.
Thanks again everyone.

i done online @ Nationwide Building Society: [size=5](Mine was cashcard account before they sent cashcard+ account to me)
cash card+ which enables you to:
* pay for goods and services in shops, online and over the phone
* get cashback in certain UK stores
* withdraw money and check your balance at UK cash machines
* withdraw money at any Post Office® branch.
Facilities to pay money in and set up regular payments like standing orders and Direct Debits
Internet Banking and Telephone Self Service facilities for managing your current account
http://www.nationwide.co.uk/current_acc ... ccount.htm

Good luck with them ALL Matty

[nanna58]

Re: MattyA UE Diary

morning i was wondering haow much do you need to open a basic account?

[bobogosing]

Re: MattyA UE Diary

morning i was wondering haow much do you need to open a basic account?

Morning nana! When I opened my basic account with Lloyds, I only paid in £10. 2