Yes thanks, personal.
It's a Gold Account, nothing special. Advertised as "with benefits" but nothing to brag about. Been with then years and years, just evolved.
Nationwide. Let me know and we both get some cash
Hi, just got me new T&C's from Lloyds, £180:00 a year for the privilege.
Any recommendations for free banking please?
Lol I thought the thread was called free BAKING... ok, no pretzel then...
I have one of those, but only get six cinema ticketsI have a Lloyds Club Account. The fee is £3 a month but waived if a certain number of DD's each month, which there always is. Provides up to 3% interest on credit balances up to £5,000 and gives me 12 free cinema tickets a year.
Think you need to talk to Lloyds.
It's a Gold Account, nothing special. Advertised as "with benefits" but nothing to brag about. Been with then years and years, just evolved.
You want to sign your name on a special piece of paper, give it to another person, and the bank will treat that as money? That has a cost.I have never understood this. If I use my bank's money, they charge me an arm and a leg. If the bank uses my money, they want to charge me the other arm and leg!
When I make funds available to the bank for my loan, that has a cost but they do not pay me.
But when I keep the bank's money safe, they do not pay me. When I make funds available to the bank for my loan, that has a cost but they do not pay me. When I have to provide a computer because the bank has closed all it local branches, that has a cost.
My actual point was the disparity between me borrowing the bank's money and the bank borrowing my money. Those things above are ancillary and certainly have a cost but were not my point. I have approximately £20,000 in bank savings accounts where there is no activity and so no cost to the bank but they still pay me a LOT less than I would have to pay them if I borrowed £20,000 of their money. With one of my accounts, there is a penalty if I want my money back before the end of the three years - I do not charge the bank extra if they want their loan back.
I have never understood this. If I use my bank's money, they charge me an arm and a leg. If the bank uses my money, they want to charge me the other arm and leg!
But I have to reward them for paying back what I lend them.Well, they did give you a loan... Can't argue with them not rewarding you for paying back what they lent you....
But when I keep the bank's money safe, they do not pay me. When I make funds available to the bank for my loan, that has a cost but they do not pay me. When I have to provide a computer because the bank has closed all it local branches, that has a cost.
My actual point was the disparity between me borrowing the bank's money and the bank borrowing my money. Those things above are ancillary and certainly have a cost but were not my point. I have approximately £20,000 in bank savings accounts where there is no activity and so no cost to the bank but they still pay me a LOT less than I would have to pay them if I borrowed £20,000 of their money. With one of my accounts, there is a penalty if I want my money back before the end of the three years - I do not charge the bank extra if they want their loan back.
Club Lloyd is free if you put in over £1500 a month, plus has 2% apr interest if you pay out 2 direct debite
https://www.lloydsbank.com/current-accounts/all-accounts/club-lloyds.asp
Here: https://www.lloydsbank.com/current-accounts.asp??=#current-accounts
Still not a bad deal for me but I wouldn't choose an account just for the free cinema tickets.
As someone that never goes overdrawn and pays off the credit card in full every month, mine is really free.Find the one that suits, ie Is 6 free cinema tickets pa a decider or car breakdown recovery? Do remember though, they are not really free......
As someone that never goes overdrawn and pays off the credit card in full every month, mine is really free.