Advice on which Current account is best - HotUKDeals
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Advice on which Current account is best

Avenger Avatar
6y, 8m agoPosted 6 years, 8 months ago
Hi all

Getting really annoyed with the halifax's £1 a day overdraft charges so have decided to move and was wondering if anyone could point me in the right direction of a good current account.

I have a couple of grand overdraft limit but dont always use it so main thing for this account to have is a good overdraft charge

Any suggestions would greatly help
Avenger Avatar
6y, 8m agoPosted 6 years, 8 months ago
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(16) Jump to unreadPost a comment
Comments/page:
#1
i get charged £5 a month for using overdraft with alliance and leicester. not sure if thats good or bad but i dont mind paying it.
#2
I've Totalled £17 this month as yet :cry:
#3
HSBC Premier, no charges for anything.
#4
chester123
HSBC Premier, no charges for anything.


Am I eligible?
HSBC Premier is available without a monthly account fee for:

Customers with savings or investments of at least £50,000 with HSBC Bank plc. We request that your annual income is paid into your HSBC Premier Bank Account or

Customers who have an individual annual income of at least £100,000 which is paid into their Premier Bank Account and are a customer of our Independent Financial Advisory Service*

*excluding mortgage related insurance products
#5
pink-ka
i get charged £5 a month for using overdraft with alliance and leicester. not sure if thats good or bad but i dont mind paying it.



its 50p a day your overdrawn with alliance and leicester up to a MAX of £5

which i think is fantastic rarely in mine unless we make a big purchase

its the premier account i have if your gonna look into it
#6
chester123
HSBC Premier, no charges for anything.


Overdrafts
For HSBC Premier customers, the first £500 of any overdraft is provided interest free
Interest Rate

£0 - £500 Interest free
Over £500 Typical 11.9% EAR variable
#7
Sorry but you need to learn to bank properly first. Most accounts charge for going overdrawn, so stop doing it. Simples.
#8
my advise is to try and get rid of the overdraft instead of looking for another.......where do you think the banks make their money? its from people like you with the charges youll incur and spending money that isnt yours

no such thing as a free overdraft
banned#9
[url]www.smile.co.uk[/url]

fee free overdraft of £500 (interest charge only per day)
#10
csiman
[url]www.smile.co.uk[/url]

fee free overdraft of £500 (interest charge only per day)


I am with Smile. Very happy with them. Customer service is fantastic.

If you ever have to call you get put straight through to someone too. You also have the added benefit of being able to go to the post office to be able to pay money in / withdraw cash free.

Johnny
#11
Try being my girlfriend with those folk.
Shes Bank of Scotland, who are the same folk.

She was about £50 overdrawn over xmas, then they bumped the charges up and decided to remove her overdraft facility without notifying her.
Unauthorised fee of £5 a day builds up pretty quickly when its not her main account so only checks it every week or two.
#12
Don't FD do an interest free overdraft of £500?
#13
Benjimoron
Don't FD do an interest free overdraft of £500?


£250 i believe...
#14
Benjimoron
Overdrafts
For HSBC Premier customers, the first £500 of any overdraft is provided interest free
Interest Rate

£0 - £500 Interest free
Over £500 Typical 11.9% EAR variable


Must be subject to status as they don't charge me anything.
#15
Thanks guys for the replys and i think a & l looks good, I wish i didnt need an overdraft and if i didnt wouldnt have one

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