MunkiMadz:
I think they're the first bank to start introducing charges for having an account with them, but I think there is a work around it, but can't remember what it is, I'm not sure why everybody thinks FD is so good, if only you knew the half of it, they're part of the HSBC group aswell.
Part of HSBC but a world away in customer service. I have banked with them since their launch which must be about 12 years now. Have never had a problem, never had any cause for complaint. Their CS people are the best in the world, always polite, always pick up the phone within 2-3 rings and always understand English (wonder if that's because they are not outsourced, hmmm). Amex take note, Indians reading scripts is not Customer Service!
The best organisation I deal with, bar none, and I have a lot of credit cards, accounts, savings and investments. I don't get caught by the £10 per month, but would probably still pay it if I did, they are that good.