Bank Account Help! - HotUKDeals
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Bank Account Help!

rossg91 Avatar
6y, 6m agoPosted 6 years, 6 months ago
Can anyone recommend me a bank account

I would like the following:

Able to set up direct debits and standing orders
Benefits - mobile phone cover, travel insurance etc. would be willing to pay monthly fee for this!
Overdraft (not essential)

Few problems - never done this before, can you do it online or do you need to go in as i work 8.30am-5pm and would also struggle to make it at weekends so dont want to take a day off just to get a new account!
Also, a lot of accounts need you to be paying in £1000 a month and i dont earn that much!!

As you can probably tell I am new to this and am still using my link card!!
Now 19 so really need to get a decent one, its getting quite embarrasing using my mums card all the time!
rossg91 Avatar
6y, 6m agoPosted 6 years, 6 months ago

All Comments

(8) Jump to unreadPost a comment
p.s. thanks in advance
smilemore has been acknowledged as 'the number one packaged account' by Money Mail, June 2009

smilemore current account is packed with tons of top money-saving benefits. Make full use of this account and you could save over £700 a year.

For just £13 a month, you could enjoy all this:

* 0.12% AER* interest paid on your entire credit balance
* worldwide family travel insurance provided by AXA Travel Insurance
* mobile phone insurance provided by Lifestyle Services Group Limited and insured by London General Insurance Company Limited
* UK and European motor breakdown assistance provided by AXA Assistance
* an automatic £500 fee-free overdraft, the first £260 of which is interest free
* exclusive no application fee 3yr Tracker mortgage - plus for remortgage cases, no standard legal fees or basic valuation fees when you use our recommended surveyors or solicitors
* 20% discount on entry to over 200 fantastic leisure attractions across the UK, with your smilemore smartsave discount card.
* 20% off home insurance through The Co-operative Insurance
* free legal advice from The Co-operative Legal Services helpline.

Plus you can shape your own account by choosing one of three benefit bundles provided by Lifestyle Services Group and insured by London General Insurance Company:

* Safeguard - protecting your identity for everyday peace of mind
* Traveller - a great range of travel related benefits
* Gadget - cover for your portable technology and gadgets.
Cahoot account might work for you...i have it as a secondary account and use it only for paypal payments

No minimum amount to be paid in,visa debit card,overdraft and cheque book if needed,all set up and managed online within 2 weeks...
Another Smile vote here. 7 years with no problems.
i would advise you to avoid any account that requires a monthly charge - especially if your salary is modest. go to and read the current account comparison articles, they'll set you in very good stead.
i am with clydesdale bank, never had a problem with them. sure you can set up online, i pay £10 a month and get gadget insurance for 3 items, annual travel insurance for me and family, green flag breakdown cover, identity fraud protection and i think theres maybe one more thing but i cant remember! worth looking into!

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