Yea, that’s a valid point, I’d likely still use the cash back of the debit with the security of the credit card when needed I suppose. I like everything in one place if I can, so for the odd time I use a CC which isn’t Amex it will be helpful.
Monzo/Starling Banking/Revolut
- Thread starter Junglist
- Start date
The private banking one? It is as boring as Natwest/RBS. I think the Barclays one is the "coolest", but they're all pretty boring.
Edit: misunderstood thought you said current acc not credit card
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I've been offered an Ulster Bank credit card with a 10K limit so thinking about getting it and then get rid of some of my smaller limit cards to tidy my wallet up. Was just interested in seeing what the card design is as the google is only throwing up old pics.
What perks do they offer? Consolidating for limit is never normally a worthwhile thing. Hopefully you're getting paid to spend e.g. amex or Barclaycard rewards.I've been offered an Ulster Bank credit card with a 10K limit so thinking about getting it and then get rid of some of my smaller limit cards to tidy my wallet up. Was just interested in seeing what the card design is as the google is only throwing up old pics.
Caporegime
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- 1 Dec 2010
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- 53,718
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- Welling, London
You’re right about the Natwest credit card, I got one the other day, I almost cried with boredom just looking at it!
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I never carry a balance, always pay off at statement time.
I Have AMEX Nectar for the points too.
Soldato
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- 13 Aug 2004
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- England
A downside to these new app based banks - their customer service is not great. I tried calling them and the best they could do was a callback at some point within 2 days.
Also, make sure that all the notifications are active - updates for a dispute were sent through the in app chat but I didn't receive anything (on my phone, or in the app) so it was rejected. The page for the dispute still says that they are waiting to hear back from the merchant when they responded almost a month ago.
Also, make sure that all the notifications are active - updates for a dispute were sent through the in app chat but I didn't receive anything (on my phone, or in the app) so it was rejected. The page for the dispute still says that they are waiting to hear back from the merchant when they responded almost a month ago.
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I dealt with a dispute and chargeback through Starling recently. Did it through the app, all done and dusted within a week, money back in my account, very clear communication the whole time.
Soldato
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- 13 Aug 2004
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- England
Monzo
Ah, yea I’ve heard their customer service isn’t good.
So Starling are stopping the interest paid on current accounts in February so I applied for the Easy Saver got rejected and they won't say why. There is no reason from my end.
Looking online they seem to be rejecting everyone that would actually make use of the saver and accepting people that won't.
So who's the best alternative to Starling? I like the way you can use saving spaces and interest on current account money is handy or an easy saver type account, plus the way it shows transactions.
Looking online they seem to be rejecting everyone that would actually make use of the saver and accepting people that won't.
So who's the best alternative to Starling? I like the way you can use saving spaces and interest on current account money is handy or an easy saver type account, plus the way it shows transactions.
I'm not sure many competitors do interest on current account balance, I've heard Monzo don't.
The easiest thing to do is open a savings account with a different bank, with the best rates. My savings sit in a T212 cash ISA. Until I've maxed out the £20k there, I don't have a need for another account.
The easiest thing to do is open a savings account with a different bank, with the best rates. My savings sit in a T212 cash ISA. Until I've maxed out the £20k there, I don't have a need for another account.
Soldato
- Joined
- 21 Sep 2020
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- 4,398
They’re all going that way now i’m afraid.
Chase have stopped the interest on current accounts and cut the rates. The bonus 1% is stopping next month as well.
Chase have stopped the interest on current accounts and cut the rates. The bonus 1% is stopping next month as well.
I'm not interested in long term savings I want something that earns me interest on my monthly pay basically I'll be moving it around a few times a month.
Reading online they seem to be declining anyone that actually has some money to pay interest on and accepting people with zero or negative balances.
Seems Chase might be a good option.
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Seems a bit underhand, but wouldn't surprise me.
I'd apply for it but as I said, I've not maxed out my ISA yet (and my wife has space in hers). I don't want to incur tax on savings interest.
When I get paid I put most into a bills pot but most of that is gone within a few days on the 1st of the month.
Discretional spending is around £700 per month so not much interest to be gained there for me.
Every other penny goes into my saving account.
Starling are rejecting everyone randomly for things because of the big FCA fine they got a while back for not having proper security in place to stop business fraud that was rampant during COVID.
They went overboard atm and barely accept new applications for stuff. My easy saver got accepted within minutes.
They went overboard atm and barely accept new applications for stuff. My easy saver got accepted within minutes.