Halifax

Halifax are ok but i wouldnt recommend them that heavily. The staff are not that helpful and only do the bare minimum that you ask for. Although they have said they increased their student overdrafts to £3000, i am recently graduated and asked to increase my overdtaft limit to £1000 from £500 which i thought was abad decision, as i am in a job which is stable and i would be more likely to pay back than people i know who have overdrafts which have been increased to £2500. Some of the services that Halfiax offer in branch are good. They allow you to access your halifax account online which is good, and is also a well developed site.

a very mean bank. i was with this bank as a student and i am still paying bits off. they are not particullary helpful should you need any help. on one scenario i had a direct debit going out of my bank account but i knew there wasnt enough money to cover it so went in the bank that morning and put some money in, a week or so later i got a letter to tell me that they were charging me £28 even though the account was not actually ver the limit that day as it showed on the letter because the money goes out first thing in the morning and i hadnt got to the bank to an hour later they charged me. just after making money.

I have been banking with Halifax for 8 years now. Always found them easy to deal with and had no real problems. They always seem efficient and the staff very easy to get on and friendly.
The online banking system is easy to use and easy to transfer money from account to account. I also use the online system to manage my credit card and again, have no problems paying off the balance by transferring the balance from my current account.
One word of warning though is that the finanical advisors can be a little pushy when trying to ‘sell’ you their goods.

As banks go Halifax/​Bank of Scotland offers higher end interest rates and frequent special offers. Unfortunately, I don’t rate the service I have received in this bank too highly. Everyone knows that when you are a student in financial hardship it’s important to be with a bank who understands this. I have occasionally gone over my student overdraft in the past and each time had a good reason for doing so. When I have visited this branch each time I have come up against very unhelpful staff, from the clerk that initially dealt with me — to the manager I requested to speak to. When I visited my home branch in Edinburgh, Scotland I did not have any problems whatsoever in gaining the help I needed and I always received great customer service. I don’t like to point out issues with this branch in particular, however, I feel like I would receive much better service in a larger branch in the town centre. The opening hours are also quite limited and often I have arrived there to find the bank closed. Quite disappointing really. Im glad to say I have moved to a different bank now and things are looking much brighter!