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Barclays Outage.
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Had a First Direct account since it opened, also had an ISA with HSBC since ‘99. Used to pay into via monthly DD, a few years ago I stopped that and wanted to pay into via monthly as and when. I had to open a current account with HSBC to pay into my ISA. Only ever use it for that.0
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My previous working life of 20 odd years was supporting back and front office systems for a few of the big boys, not Barclays however. Us old hands fell by the wayside when offshoring IT services became popular. A few of us oldies are still in the game and they periodically regale me with tales of shocking practice. The theory never changes in IT just the tech, and it always fascinates me when things like this happen. This file, the wrong server, switch failover gone phutt, some poor bugger set the wrong process off (probably AI now), wrong ip address, coder (or AI ) fuckup, there will be a lot of soiled underwear and arse covering going on. Meanwhile millions of us affected out in the real world. Do I miss it? No.8
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Most I had at anyone time across a few cards was about £60k, we had a couple of IT contractors back then for Y2K who had north of £150k, don't think it did your credit score much good but it paid for a few holidays!PrincessFiona said:
Oh yes! I couldn't believe it when they confirmed I could do that - sadly I didn't take 20K though! I was so surprised you could do it, I didn't dare ask for more in case they clocked what I was going to do!Rob7Lee said:
Bring back the days of free stoozing, now that was a way to make money out of the banks. I used to love say taking £20k interest free from a Barclays CC and depositing it in......... Barclays for which in those days they'd be paying me 6-7% interest on their money!! Once they started adding fees for balance transfers and egg money went it all but closed.PrincessFiona said:
very similar with us and it doesn't take up too make time - but then, like you, we are very analyticalcantersaddick said:
Yeah fair point. Hadn't considered that.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
To be clear. I have 4 accounts one for travel insurance which hasn't been touched since we opened it, one for international transactions which I'll top up a couple times a year max when needing to make a specific international transaction. One that my main income goes into and another that I got to get access to a better savings rate which I now use for irregular side hustle income. So only 2 that take any management. I also have a couple of different credit cards for points/cashback opportunities. So 7 different ways of paying for things through different banking groups but still minimal effort (at least it seems to me).1 -
Personally I find it bizarre that this situation has happened and we are blaming customers for being too dumb to have multiple accounts, rather than than calling out the systems we have in place.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
Kinda turned into victim blaming which i think is unfair on millions of people.1 -
I wouldn’t trust the tech stack of a legacy bank, and this is another example.The digital banks are really good, Monzo is mine and they are my only account, they own the stack, it’s modern and it works.BTW, someone mentioned that they use NatWest for clearing, they did, but moved away 3 years to their own solution2
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I don't think anyone is victim blaming at all. Its very clear barclays have handled this terribly and let their customers down.shine166 said:
Personally I find it bizarre that this situation has happened and we are blaming customers for being too dumb to have multiple accounts, rather than than calling out the systems we have in place.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
Kinda turned into victim blaming which i think is unfair on millions of people.
But in a world that is increasingly reliant on complex IT systems and so is more and more susceptible to cyber attack or simple mistake these things are going to happen increasingly regularly. So some diversification and the ability to pay using another banking group is probably prudent and a lesson that should probably be learnt from this.2 -
I don't think it is victim blaming to suggest it is sensible to have a second means of payment - it is just common sense. If you lose, damage or have a card stolen, it takes at least a few days to get a new card. The impact is far more if you're overseas. Same could be said if you are a victim of cloning,shine166 said:
Personally I find it bizarre that this situation has happened and we are blaming customers for being too dumb to have multiple accounts, rather than than calling out the systems we have in place.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
Kinda turned into victim blaming which i think is unfair on millions of people.3 -
You don’t need Premier for Global Money account, mate. I am on Advantage and I have it, and love it, as you might expect. It has marginally worse overall costs than Wise, but I find the convenience far outweighs the extra cost. I can transfer money from my HSBC current account to my Czech bank, in CZ crowns, and it is there next day, all I have paid is the slightly below mid-price FX rate. Compared to a few years ago, this is dreamland if you have moved abroad for any reason.Rob7Lee said:
The current account has no fees, nor does the global money account (but you need the premier current account I think to have it).cantersaddick said:
Premier and elite sound like they carry fee's? I don't currently pay any!Rob7Lee said:Problem is @Clem_Snide it could happen at any bank in reality. So you could leave Barclays for Natwest who have a similar problem in 6 months time.
An awful high percentage of people have one bank account and in reality are only able to fund, month to month, one account. So the option of having a spare loaded with some cash is dream world for many. Credit card may be the same, some simply won't be able to get one.
You need to be careful with the modern day online banks and who they use for clearing. Think both Monzo and Starling use NatWest so would have issues had it of been Natwest.
Some of Barclays responses on X etc are a joke, I left them many moons ago when I was transferred from The Woolwich and they royally messed everything up. Seems like their customer service hasn't improved
cantersaddick said:
Yeah fair point. Hadn't considered that.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
To be clear. I have 4 accounts one for travel insurance which hasn't been touched since we opened it, one for international transactions which I'll top up a couple times a year max when needing to make a specific international transaction. One that my main income goes into and another that I got to get access to a better savings rate which I now use for irregular side hustle income. So only 2 that take any management. I also have a couple of different credit cards for points/cashback opportunities. So 7 different ways of paying for things through different banking groups but still minimal effort (at least it seems to me).
You should bank with HSBC Premier - free travel insurance, free global money account (might still need something for savings). Their Elite credit card is good for airport lounges and reward points (think you still get 40k on opening if you spend a certain amount, used to get another 40,000 on anniversary).
I'm to a degree similar to you, whilst I have all the above with HSBC for convenience and do all day to day banking with them, I do still have access to two other banks from a current account perspective (3 if you include First Direct) as well as other credit cards and savings elsewhere.
Credit card does have an annual fee, yes. Although with the welcome bonus and what I spend it was well worthwhile, last year flights to Cyprus and Lanzarote were all but free, plus I had around £300 Amazon vouchers.
Just paid £20 each for flights to Cyprus in April and Lanzarote were again free (apart from about £40 in taxes etc).
It does all depend on how much you spend of course,Whats more HSBC is currently the only big bank that is relaxed about letting you keep your current account if you move to the EU. I only discovered that this week, and was smiling the whole day. Makes a whole load of things a lot easier for me. The worst one, aggressively closing the accounts of traitors after Brexit day, was …
Barclays. 😉
I’ve been with HSBC for over 30 years. In that time I’ve often had one or two other UK accounts alongside them. Last year because of the interest rate game, I had accounts with 3 UK and 4 Czech retail bank accounts. Back down to just HSBC in the UK now (and 2 CZ). There are days when I find them infuriating of course, their app is definitely below average, but overall I am happy with them.But its true it could happen to any big bank, commiserations to all of you caught up in this.1 -
Your money's safe with the Woolwich6
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Stating 'common sense' is victim blaming. Do you have 2 cars incase one breaks down ?PrincessFiona said:
I don't think it is victim blaming to suggest it is sensible to have a second means of payment - it is just common sense. If you lose, damage or have a card stolen, it takes at least a few days to get a new card. The impact is far more if you're overseas. Same could be said if you are a victim of cloning,shine166 said:
Personally I find it bizarre that this situation has happened and we are blaming customers for being too dumb to have multiple accounts, rather than than calling out the systems we have in place.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
Kinda turned into victim blaming which i think is unfair on millions of people.
You could have 10 cards if you like, if you can't access Internet banking as its crashed, you can't move it anyway (which is also what has happened).0 -
I spent 36 years in corporate banking with Barclays and it, like many of its peers, had quite a few of these outages over the years. Used to hack us off, although not as much as our clients and particularly mine (law firms trying to process completions), as we were given so little information internally from bosses. Refusal to allow us to take written requests for transfers and process ourselves, as had been normal in years gone by. And it would be odds on that any system failure would occur at month/quarter end…as I’ve seen with other banks too.I’ve no idea on the personal side but certainly the corporate electronic banking system, which replaced our own many years ago, was bought from Citibank. The trouble starts when you then start trying to add on your own systems to someone else’s platform.As for the “advice” being given from Barclays social media sites…that really is pathetic. I can only imagine this is some poor individual/team left bereft of any useful update from management and trying to be helpful.5
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The hassle the big banks cause there customers for no good reason, other then shitty tech is wonderfulPragueAddick said:
You don’t need Premier for Global Money account, mate. I am on Advantage and I have it, and love it, as you might expect. It has marginally worse overall costs than Wise, but I find the convenience far outweighs the extra cost. I can transfer money from my HSBC current account to my Czech bank, in CZ crowns, and it is there next day, all I have paid is the slightly below mid-price FX rate. Compared to a few years ago, this is dreamland if you have moved abroad for any reason.Rob7Lee said:
The current account has no fees, nor does the global money account (but you need the premier current account I think to have it).cantersaddick said:
Premier and elite sound like they carry fee's? I don't currently pay any!Rob7Lee said:Problem is @Clem_Snide it could happen at any bank in reality. So you could leave Barclays for Natwest who have a similar problem in 6 months time.
An awful high percentage of people have one bank account and in reality are only able to fund, month to month, one account. So the option of having a spare loaded with some cash is dream world for many. Credit card may be the same, some simply won't be able to get one.
You need to be careful with the modern day online banks and who they use for clearing. Think both Monzo and Starling use NatWest so would have issues had it of been Natwest.
Some of Barclays responses on X etc are a joke, I left them many moons ago when I was transferred from The Woolwich and they royally messed everything up. Seems like their customer service hasn't improved
cantersaddick said:
Yeah fair point. Hadn't considered that.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
To be clear. I have 4 accounts one for travel insurance which hasn't been touched since we opened it, one for international transactions which I'll top up a couple times a year max when needing to make a specific international transaction. One that my main income goes into and another that I got to get access to a better savings rate which I now use for irregular side hustle income. So only 2 that take any management. I also have a couple of different credit cards for points/cashback opportunities. So 7 different ways of paying for things through different banking groups but still minimal effort (at least it seems to me).
You should bank with HSBC Premier - free travel insurance, free global money account (might still need something for savings). Their Elite credit card is good for airport lounges and reward points (think you still get 40k on opening if you spend a certain amount, used to get another 40,000 on anniversary).
I'm to a degree similar to you, whilst I have all the above with HSBC for convenience and do all day to day banking with them, I do still have access to two other banks from a current account perspective (3 if you include First Direct) as well as other credit cards and savings elsewhere.
Credit card does have an annual fee, yes. Although with the welcome bonus and what I spend it was well worthwhile, last year flights to Cyprus and Lanzarote were all but free, plus I had around £300 Amazon vouchers.
Just paid £20 each for flights to Cyprus in April and Lanzarote were again free (apart from about £40 in taxes etc).
It does all depend on how much you spend of course,Whats more HSBC is currently the only big bank that is relaxed about letting you keep your current account if you move to the EU. I only discovered that this week, and was smiling the whole day. Makes a whole load of things a lot easier for me. The worst one, aggressively closing the accounts of traitors after Brexit day, was …
Barclays. 😉
I’ve been with HSBC for over 30 years. In that time I’ve often had one or two other UK accounts alongside them. Last year because of the interest rate game, I had accounts with 3 UK and 4 Czech retail bank accounts. Back down to just HSBC in the UK now (and 2 CZ). There are days when I find them infuriating of course, their app is definitely below average, but overall I am happy with them.But it’s true it could happen to any big bank, commiserations to all of you caught up in this.1 -
I’m sure it will be exactly that.TelMc32 said:I spent 36 years in corporate banking with Barclays and it, like many of its peers, had quite a few of these outages over the years. Used to hack us off, although not as much as our clients and particularly mine (law firms trying to process completions), as we were given so little information internally from bosses. Refusal to allow us to take written requests for transfers and process ourselves, as had been normal in years gone by. And it would be odds on that any system failure would occur at month/quarter end…as I’ve seen with other banks too.I’ve no idea on the personal side but certainly the corporate electronic banking system, which replaced our own many years ago, was bought from Citibank. The trouble starts when you then start trying to add on your own systems to someone else’s platform.As for the “advice” being given from Barclays social media sites…that really is pathetic. I can only imagine this is some poor individual/team left bereft of any useful update from management and trying to be helpful.Not a formal piece of advice or the party line rather a no doubt junior member of staff who was thinking on their feet and unfortunately made an ill judged suggestion.The problem is today news media headlines are not based on the whole story rather an isolated aspect that does not reflect the whole piece. I could be wrong but haven’t seen anything to suggest it was the official guidance but instead a snippet of a twitter / support message exchange with one customer.In their defence they did confirm for example HMRC we’re working with them to ensure no ramifications for anyone caught out by the month end deadline so does suggest they are alive to real world impacts.1 -
It is hellishly complex to migrate to new platforms from the legacy ones when there are so many customers and accounts involved. It is far from simple or cheap. It’s also complicated by the various mergers and acquisitions over the years which bring different systems under one roof.Rothko said:
The hassle the big banks cause there customers for no good reason, other then shitty tech is wonderfulPragueAddick said:
You don’t need Premier for Global Money account, mate. I am on Advantage and I have it, and love it, as you might expect. It has marginally worse overall costs than Wise, but I find the convenience far outweighs the extra cost. I can transfer money from my HSBC current account to my Czech bank, in CZ crowns, and it is there next day, all I have paid is the slightly below mid-price FX rate. Compared to a few years ago, this is dreamland if you have moved abroad for any reason.Rob7Lee said:
The current account has no fees, nor does the global money account (but you need the premier current account I think to have it).cantersaddick said:
Premier and elite sound like they carry fee's? I don't currently pay any!Rob7Lee said:Problem is @Clem_Snide it could happen at any bank in reality. So you could leave Barclays for Natwest who have a similar problem in 6 months time.
An awful high percentage of people have one bank account and in reality are only able to fund, month to month, one account. So the option of having a spare loaded with some cash is dream world for many. Credit card may be the same, some simply won't be able to get one.
You need to be careful with the modern day online banks and who they use for clearing. Think both Monzo and Starling use NatWest so would have issues had it of been Natwest.
Some of Barclays responses on X etc are a joke, I left them many moons ago when I was transferred from The Woolwich and they royally messed everything up. Seems like their customer service hasn't improved
cantersaddick said:
Yeah fair point. Hadn't considered that.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
To be clear. I have 4 accounts one for travel insurance which hasn't been touched since we opened it, one for international transactions which I'll top up a couple times a year max when needing to make a specific international transaction. One that my main income goes into and another that I got to get access to a better savings rate which I now use for irregular side hustle income. So only 2 that take any management. I also have a couple of different credit cards for points/cashback opportunities. So 7 different ways of paying for things through different banking groups but still minimal effort (at least it seems to me).
You should bank with HSBC Premier - free travel insurance, free global money account (might still need something for savings). Their Elite credit card is good for airport lounges and reward points (think you still get 40k on opening if you spend a certain amount, used to get another 40,000 on anniversary).
I'm to a degree similar to you, whilst I have all the above with HSBC for convenience and do all day to day banking with them, I do still have access to two other banks from a current account perspective (3 if you include First Direct) as well as other credit cards and savings elsewhere.
Credit card does have an annual fee, yes. Although with the welcome bonus and what I spend it was well worthwhile, last year flights to Cyprus and Lanzarote were all but free, plus I had around £300 Amazon vouchers.
Just paid £20 each for flights to Cyprus in April and Lanzarote were again free (apart from about £40 in taxes etc).
It does all depend on how much you spend of course,Whats more HSBC is currently the only big bank that is relaxed about letting you keep your current account if you move to the EU. I only discovered that this week, and was smiling the whole day. Makes a whole load of things a lot easier for me. The worst one, aggressively closing the accounts of traitors after Brexit day, was …
Barclays. 😉
I’ve been with HSBC for over 30 years. In that time I’ve often had one or two other UK accounts alongside them. Last year because of the interest rate game, I had accounts with 3 UK and 4 Czech retail bank accounts. Back down to just HSBC in the UK now (and 2 CZ). There are days when I find them infuriating of course, their app is definitely below average, but overall I am happy with them.But it’s true it could happen to any big bank, commiserations to all of you caught up in this.Most banks have / are redressing bit by bit but it takes time.We all forget too we enjoy free banking on most accounts in the main.6 -
My heart doesn’t bleed for the banks who massively subsidise cross product from say mortgages, they can swallow free retail banking with the money made elsewhere.valleynick66 said:
It is hellishly complex to migrate to new platforms from the legacy ones when there are so many customers and accounts involved. It is far from simple or cheap. It’s also complicated by the various mergers and acquisitions over the years which bring different systems under one roof.Rothko said:
The hassle the big banks cause there customers for no good reason, other then shitty tech is wonderfulPragueAddick said:
You don’t need Premier for Global Money account, mate. I am on Advantage and I have it, and love it, as you might expect. It has marginally worse overall costs than Wise, but I find the convenience far outweighs the extra cost. I can transfer money from my HSBC current account to my Czech bank, in CZ crowns, and it is there next day, all I have paid is the slightly below mid-price FX rate. Compared to a few years ago, this is dreamland if you have moved abroad for any reason.Rob7Lee said:
The current account has no fees, nor does the global money account (but you need the premier current account I think to have it).cantersaddick said:
Premier and elite sound like they carry fee's? I don't currently pay any!Rob7Lee said:Problem is @Clem_Snide it could happen at any bank in reality. So you could leave Barclays for Natwest who have a similar problem in 6 months time.
An awful high percentage of people have one bank account and in reality are only able to fund, month to month, one account. So the option of having a spare loaded with some cash is dream world for many. Credit card may be the same, some simply won't be able to get one.
You need to be careful with the modern day online banks and who they use for clearing. Think both Monzo and Starling use NatWest so would have issues had it of been Natwest.
Some of Barclays responses on X etc are a joke, I left them many moons ago when I was transferred from The Woolwich and they royally messed everything up. Seems like their customer service hasn't improved
cantersaddick said:
Yeah fair point. Hadn't considered that.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
To be clear. I have 4 accounts one for travel insurance which hasn't been touched since we opened it, one for international transactions which I'll top up a couple times a year max when needing to make a specific international transaction. One that my main income goes into and another that I got to get access to a better savings rate which I now use for irregular side hustle income. So only 2 that take any management. I also have a couple of different credit cards for points/cashback opportunities. So 7 different ways of paying for things through different banking groups but still minimal effort (at least it seems to me).
You should bank with HSBC Premier - free travel insurance, free global money account (might still need something for savings). Their Elite credit card is good for airport lounges and reward points (think you still get 40k on opening if you spend a certain amount, used to get another 40,000 on anniversary).
I'm to a degree similar to you, whilst I have all the above with HSBC for convenience and do all day to day banking with them, I do still have access to two other banks from a current account perspective (3 if you include First Direct) as well as other credit cards and savings elsewhere.
Credit card does have an annual fee, yes. Although with the welcome bonus and what I spend it was well worthwhile, last year flights to Cyprus and Lanzarote were all but free, plus I had around £300 Amazon vouchers.
Just paid £20 each for flights to Cyprus in April and Lanzarote were again free (apart from about £40 in taxes etc).
It does all depend on how much you spend of course,Whats more HSBC is currently the only big bank that is relaxed about letting you keep your current account if you move to the EU. I only discovered that this week, and was smiling the whole day. Makes a whole load of things a lot easier for me. The worst one, aggressively closing the accounts of traitors after Brexit day, was …
Barclays. 😉
I’ve been with HSBC for over 30 years. In that time I’ve often had one or two other UK accounts alongside them. Last year because of the interest rate game, I had accounts with 3 UK and 4 Czech retail bank accounts. Back down to just HSBC in the UK now (and 2 CZ). There are days when I find them infuriating of course, their app is definitely below average, but overall I am happy with them.But it’s true it could happen to any big bank, commiserations to all of you caught up in this.Most banks have / are redressing bit by bit but it takes time.We all forget too we enjoy free banking on most accounts in the main.
its a strategic choice not to invest in your core banking infrastructure
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Free banking yes, but First Direct, whom I bank with pays actually NO INTEREST on current accounts. Zip, nada, zilch. Not that I keep much "cash" in my current account, but still. Nothing.valleynick66 said:
It is hellishly complex to migrate to new platforms from the legacy ones when there are so many customers and accounts involved. It is far from simple or cheap. It’s also complicated by the various mergers and acquisitions over the years which bring different systems under one roof.Rothko said:
The hassle the big banks cause there customers for no good reason, other then shitty tech is wonderfulPragueAddick said:
You don’t need Premier for Global Money account, mate. I am on Advantage and I have it, and love it, as you might expect. It has marginally worse overall costs than Wise, but I find the convenience far outweighs the extra cost. I can transfer money from my HSBC current account to my Czech bank, in CZ crowns, and it is there next day, all I have paid is the slightly below mid-price FX rate. Compared to a few years ago, this is dreamland if you have moved abroad for any reason.Rob7Lee said:
The current account has no fees, nor does the global money account (but you need the premier current account I think to have it).cantersaddick said:
Premier and elite sound like they carry fee's? I don't currently pay any!Rob7Lee said:Problem is @Clem_Snide it could happen at any bank in reality. So you could leave Barclays for Natwest who have a similar problem in 6 months time.
An awful high percentage of people have one bank account and in reality are only able to fund, month to month, one account. So the option of having a spare loaded with some cash is dream world for many. Credit card may be the same, some simply won't be able to get one.
You need to be careful with the modern day online banks and who they use for clearing. Think both Monzo and Starling use NatWest so would have issues had it of been Natwest.
Some of Barclays responses on X etc are a joke, I left them many moons ago when I was transferred from The Woolwich and they royally messed everything up. Seems like their customer service hasn't improved
cantersaddick said:
Yeah fair point. Hadn't considered that.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
To be clear. I have 4 accounts one for travel insurance which hasn't been touched since we opened it, one for international transactions which I'll top up a couple times a year max when needing to make a specific international transaction. One that my main income goes into and another that I got to get access to a better savings rate which I now use for irregular side hustle income. So only 2 that take any management. I also have a couple of different credit cards for points/cashback opportunities. So 7 different ways of paying for things through different banking groups but still minimal effort (at least it seems to me).
You should bank with HSBC Premier - free travel insurance, free global money account (might still need something for savings). Their Elite credit card is good for airport lounges and reward points (think you still get 40k on opening if you spend a certain amount, used to get another 40,000 on anniversary).
I'm to a degree similar to you, whilst I have all the above with HSBC for convenience and do all day to day banking with them, I do still have access to two other banks from a current account perspective (3 if you include First Direct) as well as other credit cards and savings elsewhere.
Credit card does have an annual fee, yes. Although with the welcome bonus and what I spend it was well worthwhile, last year flights to Cyprus and Lanzarote were all but free, plus I had around £300 Amazon vouchers.
Just paid £20 each for flights to Cyprus in April and Lanzarote were again free (apart from about £40 in taxes etc).
It does all depend on how much you spend of course,Whats more HSBC is currently the only big bank that is relaxed about letting you keep your current account if you move to the EU. I only discovered that this week, and was smiling the whole day. Makes a whole load of things a lot easier for me. The worst one, aggressively closing the accounts of traitors after Brexit day, was …
Barclays. 😉
I’ve been with HSBC for over 30 years. In that time I’ve often had one or two other UK accounts alongside them. Last year because of the interest rate game, I had accounts with 3 UK and 4 Czech retail bank accounts. Back down to just HSBC in the UK now (and 2 CZ). There are days when I find them infuriating of course, their app is definitely below average, but overall I am happy with them.But it’s true it could happen to any big bank, commiserations to all of you caught up in this.Most banks have / are redressing bit by bit but it takes time.We all forget too we enjoy free banking on most accounts in the main.0 -
PragueAddick said:
You don’t need Premier for Global Money account, mate. I am on Advantage and I have it, and love it, as you might expect. It has marginally worse overall costs than Wise, but I find the convenience far outweighs the extra cost. I can transfer money from my HSBC current account to my Czech bank, in CZ crowns, and it is there next day, all I have paid is the slightly below mid-price FX rate. Compared to a few years ago, this is dreamland if you have moved abroad for any reason.Rob7Lee said:
The current account has no fees, nor does the global money account (but you need the premier current account I think to have it).cantersaddick said:
Premier and elite sound like they carry fee's? I don't currently pay any!Rob7Lee said:Problem is @Clem_Snide it could happen at any bank in reality. So you could leave Barclays for Natwest who have a similar problem in 6 months time.
An awful high percentage of people have one bank account and in reality are only able to fund, month to month, one account. So the option of having a spare loaded with some cash is dream world for many. Credit card may be the same, some simply won't be able to get one.
You need to be careful with the modern day online banks and who they use for clearing. Think both Monzo and Starling use NatWest so would have issues had it of been Natwest.
Some of Barclays responses on X etc are a joke, I left them many moons ago when I was transferred from The Woolwich and they royally messed everything up. Seems like their customer service hasn't improved
cantersaddick said:
Yeah fair point. Hadn't considered that.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
To be clear. I have 4 accounts one for travel insurance which hasn't been touched since we opened it, one for international transactions which I'll top up a couple times a year max when needing to make a specific international transaction. One that my main income goes into and another that I got to get access to a better savings rate which I now use for irregular side hustle income. So only 2 that take any management. I also have a couple of different credit cards for points/cashback opportunities. So 7 different ways of paying for things through different banking groups but still minimal effort (at least it seems to me).
You should bank with HSBC Premier - free travel insurance, free global money account (might still need something for savings). Their Elite credit card is good for airport lounges and reward points (think you still get 40k on opening if you spend a certain amount, used to get another 40,000 on anniversary).
I'm to a degree similar to you, whilst I have all the above with HSBC for convenience and do all day to day banking with them, I do still have access to two other banks from a current account perspective (3 if you include First Direct) as well as other credit cards and savings elsewhere.
Credit card does have an annual fee, yes. Although with the welcome bonus and what I spend it was well worthwhile, last year flights to Cyprus and Lanzarote were all but free, plus I had around £300 Amazon vouchers.
Just paid £20 each for flights to Cyprus in April and Lanzarote were again free (apart from about £40 in taxes etc).
It does all depend on how much you spend of course,Whats more HSBC is currently the only big bank that is relaxed about letting you keep your current account if you move to the EU. I only discovered that this week, and was smiling the whole day. Makes a whole load of things a lot easier for me. The worst one, aggressively closing the accounts of traitors after Brexit day, was …
Barclays. 😉
I’ve been with HSBC for over 30 years. In that time I’ve often had one or two other UK accounts alongside them. Last year because of the interest rate game, I had accounts with 3 UK and 4 Czech retail bank accounts. Back down to just HSBC in the UK now (and 2 CZ). There are days when I find them infuriating of course, their app is definitely below average, but overall I am happy with them.But its true it could happen to any big bank, commiserations to all of you caught up in this.
For all their wrongs (Agree the app is a bit dated but getting there) I find them very good in general and can see ex-pats taking full advantage of their current account and global money account. Savings are always a little bit short of 'up there' but then so are all the main banks.0 - Sponsored links:
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Don’t worry , a machine to fix the machine is being invented as we type…..1
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And your point is what?supaclive said:
Free banking yes, but First Direct, whom I bank with pays actually NO INTEREST on current accounts. Zip, nada, zilch. Not that I keep much "cash" in my current account, but still. Nothing.valleynick66 said:
It is hellishly complex to migrate to new platforms from the legacy ones when there are so many customers and accounts involved. It is far from simple or cheap. It’s also complicated by the various mergers and acquisitions over the years which bring different systems under one roof.Rothko said:
The hassle the big banks cause there customers for no good reason, other then shitty tech is wonderfulPragueAddick said:
You don’t need Premier for Global Money account, mate. I am on Advantage and I have it, and love it, as you might expect. It has marginally worse overall costs than Wise, but I find the convenience far outweighs the extra cost. I can transfer money from my HSBC current account to my Czech bank, in CZ crowns, and it is there next day, all I have paid is the slightly below mid-price FX rate. Compared to a few years ago, this is dreamland if you have moved abroad for any reason.Rob7Lee said:
The current account has no fees, nor does the global money account (but you need the premier current account I think to have it).cantersaddick said:
Premier and elite sound like they carry fee's? I don't currently pay any!Rob7Lee said:Problem is @Clem_Snide it could happen at any bank in reality. So you could leave Barclays for Natwest who have a similar problem in 6 months time.
An awful high percentage of people have one bank account and in reality are only able to fund, month to month, one account. So the option of having a spare loaded with some cash is dream world for many. Credit card may be the same, some simply won't be able to get one.
You need to be careful with the modern day online banks and who they use for clearing. Think both Monzo and Starling use NatWest so would have issues had it of been Natwest.
Some of Barclays responses on X etc are a joke, I left them many moons ago when I was transferred from The Woolwich and they royally messed everything up. Seems like their customer service hasn't improved
cantersaddick said:
Yeah fair point. Hadn't considered that.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
To be clear. I have 4 accounts one for travel insurance which hasn't been touched since we opened it, one for international transactions which I'll top up a couple times a year max when needing to make a specific international transaction. One that my main income goes into and another that I got to get access to a better savings rate which I now use for irregular side hustle income. So only 2 that take any management. I also have a couple of different credit cards for points/cashback opportunities. So 7 different ways of paying for things through different banking groups but still minimal effort (at least it seems to me).
You should bank with HSBC Premier - free travel insurance, free global money account (might still need something for savings). Their Elite credit card is good for airport lounges and reward points (think you still get 40k on opening if you spend a certain amount, used to get another 40,000 on anniversary).
I'm to a degree similar to you, whilst I have all the above with HSBC for convenience and do all day to day banking with them, I do still have access to two other banks from a current account perspective (3 if you include First Direct) as well as other credit cards and savings elsewhere.
Credit card does have an annual fee, yes. Although with the welcome bonus and what I spend it was well worthwhile, last year flights to Cyprus and Lanzarote were all but free, plus I had around £300 Amazon vouchers.
Just paid £20 each for flights to Cyprus in April and Lanzarote were again free (apart from about £40 in taxes etc).
It does all depend on how much you spend of course,Whats more HSBC is currently the only big bank that is relaxed about letting you keep your current account if you move to the EU. I only discovered that this week, and was smiling the whole day. Makes a whole load of things a lot easier for me. The worst one, aggressively closing the accounts of traitors after Brexit day, was …
Barclays. 😉
I’ve been with HSBC for over 30 years. In that time I’ve often had one or two other UK accounts alongside them. Last year because of the interest rate game, I had accounts with 3 UK and 4 Czech retail bank accounts. Back down to just HSBC in the UK now (and 2 CZ). There are days when I find them infuriating of course, their app is definitely below average, but overall I am happy with them.But it’s true it could happen to any big bank, commiserations to all of you caught up in this.Most banks have / are redressing bit by bit but it takes time.We all forget too we enjoy free banking on most accounts in the main.Very few current accounts have ever paid credit interest.Poor rates on savings accounts of course i agree and why most of us chase rates with various and multiple banks.Im
just highlighting that we do enjoy free banking in the main and we overlook this generally as its been a positive change from the past together with the ability to do most banking in a self service basis most of the time. I don’t think banks rip
us off more than most other providers generally if you play them right.2 -
My point is they do invest but it’s a massive undertaking and high risk to resolve all legacy technology issues. And much harder for the older / long established brands.Rothko said:
My heart doesn’t bleed for the banks who massively subsidise cross product from say mortgages, they can swallow free retail banking with the money made elsewhere.valleynick66 said:
It is hellishly complex to migrate to new platforms from the legacy ones when there are so many customers and accounts involved. It is far from simple or cheap. It’s also complicated by the various mergers and acquisitions over the years which bring different systems under one roof.Rothko said:
The hassle the big banks cause there customers for no good reason, other then shitty tech is wonderfulPragueAddick said:
You don’t need Premier for Global Money account, mate. I am on Advantage and I have it, and love it, as you might expect. It has marginally worse overall costs than Wise, but I find the convenience far outweighs the extra cost. I can transfer money from my HSBC current account to my Czech bank, in CZ crowns, and it is there next day, all I have paid is the slightly below mid-price FX rate. Compared to a few years ago, this is dreamland if you have moved abroad for any reason.Rob7Lee said:
The current account has no fees, nor does the global money account (but you need the premier current account I think to have it).cantersaddick said:
Premier and elite sound like they carry fee's? I don't currently pay any!Rob7Lee said:Problem is @Clem_Snide it could happen at any bank in reality. So you could leave Barclays for Natwest who have a similar problem in 6 months time.
An awful high percentage of people have one bank account and in reality are only able to fund, month to month, one account. So the option of having a spare loaded with some cash is dream world for many. Credit card may be the same, some simply won't be able to get one.
You need to be careful with the modern day online banks and who they use for clearing. Think both Monzo and Starling use NatWest so would have issues had it of been Natwest.
Some of Barclays responses on X etc are a joke, I left them many moons ago when I was transferred from The Woolwich and they royally messed everything up. Seems like their customer service hasn't improved
cantersaddick said:
Yeah fair point. Hadn't considered that.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
To be clear. I have 4 accounts one for travel insurance which hasn't been touched since we opened it, one for international transactions which I'll top up a couple times a year max when needing to make a specific international transaction. One that my main income goes into and another that I got to get access to a better savings rate which I now use for irregular side hustle income. So only 2 that take any management. I also have a couple of different credit cards for points/cashback opportunities. So 7 different ways of paying for things through different banking groups but still minimal effort (at least it seems to me).
You should bank with HSBC Premier - free travel insurance, free global money account (might still need something for savings). Their Elite credit card is good for airport lounges and reward points (think you still get 40k on opening if you spend a certain amount, used to get another 40,000 on anniversary).
I'm to a degree similar to you, whilst I have all the above with HSBC for convenience and do all day to day banking with them, I do still have access to two other banks from a current account perspective (3 if you include First Direct) as well as other credit cards and savings elsewhere.
Credit card does have an annual fee, yes. Although with the welcome bonus and what I spend it was well worthwhile, last year flights to Cyprus and Lanzarote were all but free, plus I had around £300 Amazon vouchers.
Just paid £20 each for flights to Cyprus in April and Lanzarote were again free (apart from about £40 in taxes etc).
It does all depend on how much you spend of course,Whats more HSBC is currently the only big bank that is relaxed about letting you keep your current account if you move to the EU. I only discovered that this week, and was smiling the whole day. Makes a whole load of things a lot easier for me. The worst one, aggressively closing the accounts of traitors after Brexit day, was …
Barclays. 😉
I’ve been with HSBC for over 30 years. In that time I’ve often had one or two other UK accounts alongside them. Last year because of the interest rate game, I had accounts with 3 UK and 4 Czech retail bank accounts. Back down to just HSBC in the UK now (and 2 CZ). There are days when I find them infuriating of course, their app is definitely below average, but overall I am happy with them.But it’s true it could happen to any big bank, commiserations to all of you caught up in this.Most banks have / are redressing bit by bit but it takes time.We all forget too we enjoy free banking on most accounts in the main.
its a strategic choice not to invest in your core banking infrastructureMost of the time things work but ‘Money’ is so emotive when it goes wrong it’s much much worse.2 -
supaclive said:
Free banking yes, but First Direct, whom I bank with pays actually NO INTEREST on current accounts. Zip, nada, zilch. Not that I keep much "cash" in my current account, but still. Nothing.valleynick66 said:
It is hellishly complex to migrate to new platforms from the legacy ones when there are so many customers and accounts involved. It is far from simple or cheap. It’s also complicated by the various mergers and acquisitions over the years which bring different systems under one roof.Rothko said:
The hassle the big banks cause there customers for no good reason, other then shitty tech is wonderfulPragueAddick said:
You don’t need Premier for Global Money account, mate. I am on Advantage and I have it, and love it, as you might expect. It has marginally worse overall costs than Wise, but I find the convenience far outweighs the extra cost. I can transfer money from my HSBC current account to my Czech bank, in CZ crowns, and it is there next day, all I have paid is the slightly below mid-price FX rate. Compared to a few years ago, this is dreamland if you have moved abroad for any reason.Rob7Lee said:
The current account has no fees, nor does the global money account (but you need the premier current account I think to have it).cantersaddick said:
Premier and elite sound like they carry fee's? I don't currently pay any!Rob7Lee said:Problem is @Clem_Snide it could happen at any bank in reality. So you could leave Barclays for Natwest who have a similar problem in 6 months time.
An awful high percentage of people have one bank account and in reality are only able to fund, month to month, one account. So the option of having a spare loaded with some cash is dream world for many. Credit card may be the same, some simply won't be able to get one.
You need to be careful with the modern day online banks and who they use for clearing. Think both Monzo and Starling use NatWest so would have issues had it of been Natwest.
Some of Barclays responses on X etc are a joke, I left them many moons ago when I was transferred from The Woolwich and they royally messed everything up. Seems like their customer service hasn't improved
cantersaddick said:
Yeah fair point. Hadn't considered that.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
To be clear. I have 4 accounts one for travel insurance which hasn't been touched since we opened it, one for international transactions which I'll top up a couple times a year max when needing to make a specific international transaction. One that my main income goes into and another that I got to get access to a better savings rate which I now use for irregular side hustle income. So only 2 that take any management. I also have a couple of different credit cards for points/cashback opportunities. So 7 different ways of paying for things through different banking groups but still minimal effort (at least it seems to me).
You should bank with HSBC Premier - free travel insurance, free global money account (might still need something for savings). Their Elite credit card is good for airport lounges and reward points (think you still get 40k on opening if you spend a certain amount, used to get another 40,000 on anniversary).
I'm to a degree similar to you, whilst I have all the above with HSBC for convenience and do all day to day banking with them, I do still have access to two other banks from a current account perspective (3 if you include First Direct) as well as other credit cards and savings elsewhere.
Credit card does have an annual fee, yes. Although with the welcome bonus and what I spend it was well worthwhile, last year flights to Cyprus and Lanzarote were all but free, plus I had around £300 Amazon vouchers.
Just paid £20 each for flights to Cyprus in April and Lanzarote were again free (apart from about £40 in taxes etc).
It does all depend on how much you spend of course,Whats more HSBC is currently the only big bank that is relaxed about letting you keep your current account if you move to the EU. I only discovered that this week, and was smiling the whole day. Makes a whole load of things a lot easier for me. The worst one, aggressively closing the accounts of traitors after Brexit day, was …
Barclays. 😉
I’ve been with HSBC for over 30 years. In that time I’ve often had one or two other UK accounts alongside them. Last year because of the interest rate game, I had accounts with 3 UK and 4 Czech retail bank accounts. Back down to just HSBC in the UK now (and 2 CZ). There are days when I find them infuriating of course, their app is definitely below average, but overall I am happy with them.But it’s true it could happen to any big bank, commiserations to all of you caught up in this.Most banks have / are redressing bit by bit but it takes time.We all forget too we enjoy free banking on most accounts in the main.
Nor do Santander (pay interest on current accounts) but does any bank?2 -
Mine doesn’t. But that’s probably because I’ve never got any fucking money left in there.LargeAddick said:supaclive said:
Free banking yes, but First Direct, whom I bank with pays actually NO INTEREST on current accounts. Zip, nada, zilch. Not that I keep much "cash" in my current account, but still. Nothing.valleynick66 said:
It is hellishly complex to migrate to new platforms from the legacy ones when there are so many customers and accounts involved. It is far from simple or cheap. It’s also complicated by the various mergers and acquisitions over the years which bring different systems under one roof.Rothko said:
The hassle the big banks cause there customers for no good reason, other then shitty tech is wonderfulPragueAddick said:
You don’t need Premier for Global Money account, mate. I am on Advantage and I have it, and love it, as you might expect. It has marginally worse overall costs than Wise, but I find the convenience far outweighs the extra cost. I can transfer money from my HSBC current account to my Czech bank, in CZ crowns, and it is there next day, all I have paid is the slightly below mid-price FX rate. Compared to a few years ago, this is dreamland if you have moved abroad for any reason.Rob7Lee said:
The current account has no fees, nor does the global money account (but you need the premier current account I think to have it).cantersaddick said:
Premier and elite sound like they carry fee's? I don't currently pay any!Rob7Lee said:Problem is @Clem_Snide it could happen at any bank in reality. So you could leave Barclays for Natwest who have a similar problem in 6 months time.
An awful high percentage of people have one bank account and in reality are only able to fund, month to month, one account. So the option of having a spare loaded with some cash is dream world for many. Credit card may be the same, some simply won't be able to get one.
You need to be careful with the modern day online banks and who they use for clearing. Think both Monzo and Starling use NatWest so would have issues had it of been Natwest.
Some of Barclays responses on X etc are a joke, I left them many moons ago when I was transferred from The Woolwich and they royally messed everything up. Seems like their customer service hasn't improved
cantersaddick said:
Yeah fair point. Hadn't considered that.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
To be clear. I have 4 accounts one for travel insurance which hasn't been touched since we opened it, one for international transactions which I'll top up a couple times a year max when needing to make a specific international transaction. One that my main income goes into and another that I got to get access to a better savings rate which I now use for irregular side hustle income. So only 2 that take any management. I also have a couple of different credit cards for points/cashback opportunities. So 7 different ways of paying for things through different banking groups but still minimal effort (at least it seems to me).
You should bank with HSBC Premier - free travel insurance, free global money account (might still need something for savings). Their Elite credit card is good for airport lounges and reward points (think you still get 40k on opening if you spend a certain amount, used to get another 40,000 on anniversary).
I'm to a degree similar to you, whilst I have all the above with HSBC for convenience and do all day to day banking with them, I do still have access to two other banks from a current account perspective (3 if you include First Direct) as well as other credit cards and savings elsewhere.
Credit card does have an annual fee, yes. Although with the welcome bonus and what I spend it was well worthwhile, last year flights to Cyprus and Lanzarote were all but free, plus I had around £300 Amazon vouchers.
Just paid £20 each for flights to Cyprus in April and Lanzarote were again free (apart from about £40 in taxes etc).
It does all depend on how much you spend of course,Whats more HSBC is currently the only big bank that is relaxed about letting you keep your current account if you move to the EU. I only discovered that this week, and was smiling the whole day. Makes a whole load of things a lot easier for me. The worst one, aggressively closing the accounts of traitors after Brexit day, was …
Barclays. 😉
I’ve been with HSBC for over 30 years. In that time I’ve often had one or two other UK accounts alongside them. Last year because of the interest rate game, I had accounts with 3 UK and 4 Czech retail bank accounts. Back down to just HSBC in the UK now (and 2 CZ). There are days when I find them infuriating of course, their app is definitely below average, but overall I am happy with them.But it’s true it could happen to any big bank, commiserations to all of you caught up in this.Most banks have / are redressing bit by bit but it takes time.We all forget too we enjoy free banking on most accounts in the main.
Nor do Santander (pay interest on current accounts) but does any bank?2 -
I hope the same never happens at coutts who I bank with.9
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Highly unlikely internet banking would be down across multiple banks though and you don't need internet banking to pay a bill by credit car - hence why the second payment card needs to be with a completely different banking group. For us it has proven worth doing on so many occasions, I honestly couldn't tell you how many times - many of which were when overseasshine166 said:
Stating 'common sense' is victim blaming. Do you have 2 cars incase one breaks down ?PrincessFiona said:
I don't think it is victim blaming to suggest it is sensible to have a second means of payment - it is just common sense. If you lose, damage or have a card stolen, it takes at least a few days to get a new card. The impact is far more if you're overseas. Same could be said if you are a victim of cloning,shine166 said:
Personally I find it bizarre that this situation has happened and we are blaming customers for being too dumb to have multiple accounts, rather than than calling out the systems we have in place.Algarveaddick said:On the multiple bank account thing. 50% of people are below average intelligence. Many people struggle to manage their finances with one account. Most of the people who contribute to this forum are fairly bright, and I bet many of them wouldn't dream of having six or seven accounts.
I am not knocking it, Canters, it's brilliant that you play them at their own game and make some cash for yourselves, but not everyone has your ability, so you shouldn't be surprised that not everyone does what you do, mate.
Kinda turned into victim blaming which i think is unfair on millions of people.
You could have 10 cards if you like, if you can't access Internet banking as its crashed, you can't move it anyway (which is also what has happened).1 -
Fixed for you.O-Randy-Hunt said:I hope the same never happens at Coutts "with whom I bank".1 -
If a bank pays no interest on your current account, but keeps you updated, and can pay the standing orders for you, then it is giving a service more or less for free.
My understanding of how they make money out of you is by lending out what you have on deposit for a return but at no risk to you.0 -
Part of Nat West GroupWheresmeticket said:
Fixed for you.O-Randy-Hunt said:I hope the same never happens at Coutts "with whom I bank".1
