You guys are all idiots revealing your HUKD usernames, I've just used them to ransack all your bank accounts. Security!!

Bank name a secret for security?

That's like not disclosing that you drive a Skoda for fear it might be stolen!

k

Just opened account online with Yorkshire no problem at all. I laughed when you say for security you can't name the bank you went with... Relax a bit. By knowing just the bank u have ur account no one can do anything...

Which banks are offering better deals then?

http://www.ybonline.co.uk/personal/current-accounts/

TSB have to use this or a MSE link, this is the one used on the TSB thread
http://www.tsb.co.uk/cashback-money-supermarket/?
http://www.hotukdeals.com/deals/tsb-classic-plus-current-account-100-for-switching-5-interest-balance-upto-2000-2372351

M&S up to £220 gift card
http://bank.marksandspencer.com/banking/mands-current-account/overview/
http://www.hotukdeals.com/deals/m-s-bank-new-switch-incentive-100-gift-card-plus-10-gift-card-top-up-each-month-2368136

First Direct £125 using direct link, £150 using MSE link
http://www1.firstdirect.com/1/2/banking/current-account?fd_msc=PCS0000016&WT.mc_id=FSDT_Aggregators_fdCAAggsQ12016_CUR_Textlink_MSM_MSM_MSE_150_AG3061

Cold there is better deals out there from other banks. unionist enjoy.

hot

From experience, YB do not keep their promises. I transferred from Halifax to YB starting 2nd Dec 2014 (YB said my account would be live from this date) but my account wasn't even open with them til 7th Jan 2015 and in the meantime they managed to convince Halifax to fully close my account with them so I was left with no account whatsoever over Xmas. Ended up transferring back to Hailifax within a week of the YB account being opened without an apology from YB in the whole time!

A family member had no major problems going through their account switching service a year ago. Account switched, old one closed and cashback paid. Only downside was ending up with one of their Credit Cards as part of that process.

I tried joining Yorkshire Bank / Clydesdale. Forget on-line, they insist you call them and spend 35 minutes telling the information to someone who is slow at typing things in. Ten days later they sent me eighteen pages of forms to be completed, some of which made no sense and some of which needed the information I had already provided them with over the phone. I went to another bank who gave me £100 and have since given me offers that took the benefits to over £150. (Bank name kept secret for security, but the good deals are out there.)

I opened an account online on Monday with Clydesdale. No problems at all (yet). Accepted there and then.

if you think the £150 is payment for 41 hour work it's a good hourly rate post tax.... so the forms and phone calls are worth it. opened 7 account ts when you could do this a few times so 1050 quid for 7 hours work want bad.

Good luck with the switching process. When I did it last year they sent me reams and reams of paper to fill out - completely ridiculous. A lot of work, but probably worth it for £150..

You what?:laughing:

Also worth noting that if you have claimed for one of the £150 incentives and can't go for the other one.

​Santander 123 if you have 9k+ savings, the interest rate still trumps any cashback, unless you close the account like within a month. First direct also offer 100+ switch bonus, but very good CS.

So there are better deals out there if you have £9000 savings (which sort of commits you to 12 months min?) or if you don't mind losing £50 cashback for better CS? OK :smirk:

Have you ever known a poster not reveal the name of the bank they got a great deal on due to security?? We're not asking for your account sort code and pin code, you know. Crikey.

You guys are all idiots revealing your HUKD usernames, I've just used them to ransack all your bank accounts. Security!!

This deal is for a current account - you can't compare savings.

He isn't. He is referring to the 123 Current account, and the First Direct Current Account - the former which offers 3% on balances 3-20k. The latter which, I agree, has very good customer service.

Been with Clydesdale bank for 15 years, no problems at all. Fantastic customer service as well.

this is the kind of reply that says more about the commentator than the company... giving info over the phone merely creates the account and leaves a trace of you on their database. the information invariably has to be added to, or confirmed, with a signature at the end as proof of your supply of information. this is to validate the information as correct and to protect themselves against spurious 'i've been robbed and its your fault' claims if money goes missing. while it may be frustrating, i'd suggest taking a step back from your indignation and wee the bigger picture...

personal opinion only but i quite dislike first direct... their silly security tag process each time you access the account, whille fabulously safe, is a royal pain and the way it opens new windows i find clunky. the same goes for hsbc and even nationwide is a bit meh! personally find lloydsm tsb and santander are safe enough without all the palaver. but, hey, what do i know!

may be this article you are referring too

http://blog.moneysavingexpert.com/2016/01/05/santander-123-fees-more-than-doubling-should-you-ditch-it/?_ga=1.1763762.2061355153.1426836158

Is Santander still the only one offering 3% on up to £20k?

Yes I see your point. however, one ought not to confuse interest paid on a given account with an incentive simply to switch. In this instance there is nothing to stop a person switching from wherever to Yorkshire/Clydesdale in order to collect the incentive, and then switching again to Santander!

What do you mean "only one". There were never any others offering 3% on a 20k balance.

Yes I see your point. however, one ought not to confuse interest paid on a given account with an incentive simply to switch. In this instance there is nothing to stop a person switching from wherever to Yorkshire/Clydesdale in order to collect the incentive, and then switching again to Santander!

you can link this to their saving plus account and get 2% no idea of the limits

Yorkshire Bank on-line is a right pain. Difficult to transfer money.
First Direct charges £10/month if < £1000 balance.
Try Halifax £100 for switch + £5/month
If you have a good balance, try TSB current account. Has 5% interest, good regular savings and 5% cashback on contactless. £750/month minimum. Tesco has 5% also - no minimum monthly. Neither pay to switch IIRC

Current accounts pay best interest rates compared to ISA, bonds etc

Not in my book !

That's statement is not quite right. You need to deposit 1k per month but it doesn't have to stay there.

Sorry, my bad.

Wow, that's a bummer. I thought they had sorted these issues out with the 7-day switching system banks now have in place.

Just to clear up some slightly misleading information above on First Direct.

- You don't need the security key to log in now, only if you are completing certain types of transaction.
- Most people avoid the £10 monthly charge by simply sticking £1 in one of their savings accounts (obviously you're going to need to have £1000 going into it monthly until you get your cashback).

Clown of the week!

Yorkshire Bank is a nuisance. When you pay money to another account online, the money will disappear in the void and only appear in the destination account until one working day. That was from my savings account with them. It's not nice. At least, the money should show up in the destination account, but with a future date. Nasty grabbing meanie. I stopped using them ...And the CEO receives nearly more than £2m, just sitting on my meagre amounts of money for one working day or 2 to 3 weekends or bank holidays! And we muppets allow this to happen!

You should talk to them about it unless the destination account doesn't accept faster payments you should see the transfer in 2 hours. Could be that they are making yours as BACS transfers. Ask them to move your account to a faster payment sort code if it's not on the website.

http://www.ybs.co.uk/help/money-transfer/faster-payments.html

​like what?

​youve been watching Martin Lewis haven't you and now YOU'RE the expert!!

I'd recommend for anyone to go into their local branch and ask for an appointment. They won't encourage this I don't think, but I know it is possible. Take everything you think they'll need, ID, payslips, current account details etc and let them do all the paperwork / data input. Will take around 30-45 mins and you'll probably end up with a Credit Card you don't need too.

I did talk to them, but they said it was the way the savers online account operated i.e. money disappeared in my account and wouldn't appear until 1 working day's time and longer if it was a bank holiday or weekend. Believe you me, I even emailed the bonus laden CEO with £m salary. I didn't know when I first joined them. Never again. I had the feeling that I was dealing with the VOID!

Pay in at least £1000 in the 31 days after your switch completes and another £1000 in the 31 days after this and keep 2 Direct Debits for this period. These payments can’t include internal transfers from any other account you hold, or jointly hold with someone else, with Clydesdale or Yorkshire Bank.

If i pay in via halifax my account it will fail,dont want to waste my time

Why would it fail if you paid monies from HBOS to Yorkshire/Clydesdale?

I've been asked to go into branch with my driving license and the counterpart - despite this no longer being legally recognised or issued since June 2015. I do not have time to go into one of their very few branches to action this. I wouldn't waste your time, or the mark on your credit file with the application. Avoid (unless you have a branch nearby and happy to go in there to show items.

Question: does it qualify for £150 - if you transfer the fund to yourself - from a separate bank account? (e.g. say a John Smith transfers the money from their Bank Account at ... M&S to their new Clydesdale account?

"1. Complete a full switch, including transfer of at least 2 Direct Debits, using the Current Account Switch Service within 31 days of signing the Current Account Switch Agreement.
2. Pay in at least £1000 in the 31 days after your switch completes and another £1000 in the 31 days after this and keep
2 Direct Debits for this period. These payments can’t include internal transfers from any other account you hold, or jointly
hold with someone else, with Clydesdale or Yorkshire Bank.
3. Register for and activate online or mobile banking within 2 months of your switch completing.
We’ll then pay £150 into your new account between 63 and 70 days of your switch completing."

I have a question.. Do the direct debits kept need to be those that you transferred? I'm in the process of transferring 2. But will close those accounts down within the 2 months of opening this account and switch to two other providers. Thanks for any help!

Thanks - much appreciated.

Wondering about it too.
Did you put 1k in each month (or multiple transfers accumulating to 1k?)

Still not received the cash back to date.
Yes I put in £1K the first month then transferred it back after 24hrs and same again the second month.

Will make contact with them and see what they say

ive put the first 1000 pound in last month but is the next 1000 pound to be put in within 31 days or after 31 days, so could I put the next £1000 say in 20 days after the original to qualify?