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Author Topic: What bank account?  (Read 3985 times)

Offline xxChrisxx

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Re: What bank account?
« Reply #10 on: 22 May 2012, 20:36 »
Quote from: Khare on 22 May 2012, 20:17
Ah I think I understand.

Cash ISA doesn't require you to pay tax on anything below £5,640 in a tax year. I'll pop into my branch tomorrow and speak to an adviser.

Any money you remove cannot be put back in though. So on the 1st day of the new tax year you put in £5639, and then withdraw it. You can only redeposit £1 tax free.

Natwest online only accounts offer a semi decent rate of return, you just transfer any money you need online to a holding account when you need to withdraw it.

It's not a savers market though.
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Gavv8

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Re: What bank account?
« Reply #11 on: 22 May 2012, 20:45 »
Will be even less of a savers market if the BOE goes ahead with a 0.25% rate cut as per IMF advice.
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Offline Seanl

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Re: What bank account?
« Reply #12 on: 22 May 2012, 20:47 »
Another vote for Natwest too. Been spot on with me for the last 15 years, and I would recommend them to anyone tbh.  :smiley:
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Offline tshirt2k

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Re: What bank account?
« Reply #13 on: 22 May 2012, 20:50 »
I'd recommend changing banks. Not the major high street ones
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Offline Guy

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Re: What bank account?
« Reply #14 on: 22 May 2012, 21:06 »
yep.. i bank with natwest, their online stuff is ok... easy to pop money about into different accounts.. if you have an iphone and the natwest app you can just whizz money from one account to another easily enough so you wouldn't need another card to carry about with you
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Offline Khare

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Re: What bank account?
« Reply #15 on: 22 May 2012, 21:12 »
Just having a look and with nationwide I'd have to open a new account with them, flexaccount.

This one looks good. http://www.principality.co.uk/en/Savings-Accounts.aspx
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Offline patc

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Re: What bank account?
« Reply #16 on: 22 May 2012, 21:12 »
After working for NatWest for a time, the first thing I did when I left the bank was to get my accounts away from the sh!te outfit!  :tongue:
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Offline Khare

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Re: What bank account?
« Reply #17 on: 22 May 2012, 21:15 »
Sorry meant this

http://www.principality.co.uk/en/Savings-Accounts/ISAs/e-ISA-Issue-3.aspx

Going to apply now  :smiley:

Good interest + 12 month bonus.
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Offline boneybradley

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Re: What bank account?
« Reply #18 on: 22 May 2012, 21:18 »
all banks have good and bad things about them..... I still work with all of the majors daily! (after working for the largest!)

who would I recommend?? Well it's who has best access for you locally or best/safest on-line service.. pointless opening on-line only account and being away from your internet and needing cash! (or working bank style hours like me and the branch being closed when your off work)
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Offline tshirt2k

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Re: What bank account?
« Reply #19 on: 22 May 2012, 21:19 »
First direct. Can't fault them, but you need a min amount going in each month or they'll charge.
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