UK Sole Traders - Who Do You Bank With? - GoFuckYourself.com

Jel · 02-02-2018, 09:23 AM

Lloyds have turned into fuckwits and dropped the ball massively over the past 6 - 12 months so looking to possibly switch up banks.

Looking for good/bad feedback about UK banks' business accounts, and the ease/difficulty of getting USD affiliate checks/wires (must cater to both methods) into your UK accounts.

Online banking is a must, and I don't want to fuck around with some stupid card reader to do so (not sure if it's only building societies that do that anyway - I've been with Lloyds around 15 years so not versed in how others do things).

Thanks in advance

Smack dat · 02-02-2018, 09:46 AM

Quote:

Originally Posted by Jel

Lloyds have turned into fuckwits and dropped the ball massively over the past 6 - 12 months so looking to possibly switch up banks.

Looking for good/bad feedback about UK banks' business accounts, and the ease/difficulty of getting USD affiliate checks/wires (must cater to both methods) into your UK accounts.

Online banking is a must, and I don't want to fuck around with some stupid card reader to do so (not sure if it's only building societies that do that anyway - I've been with Lloyds around 15 years so not versed in how others do things).

Thanks in advance

Natwest is best for cashing your cheques. Usually only takes a couple of seconds and it's done. Only trouble is you need to wait weeks to see your money.
Santander on the other hand pay into your account instantly however the procedure for paying in foreign cheques is a fucking joke... Honestly it takes over 20 minutes to cash each fucking check. If you have 3 or more prepare to lose an hour or more of your life.

Both have online banking but Santander use a stupid OTP system.

LouiseLloyd · 02-02-2018, 10:18 AM

Yorkshire Bank

NatalieK · 02-02-2018, 12:53 PM

I´ve never had a problem with Natwest, fast, efficient & always looking to give charges back to keep you happy as a customer. The refunded 100´s every year for the past 10 years when we ring & say, it´s unfair these overdraft charges when I´m paying interest to you...

like, hell yeah, Bank of Scotland rocks

rogueteens · 02-02-2018, 03:13 PM

Quote:

Originally Posted by Jel

Lloyds have turned into fuckwits and dropped the ball massively over the past 6 - 12 months so looking to possibly switch up banks.

Looking for good/bad feedback about UK banks' business accounts, and the ease/difficulty of getting USD affiliate checks/wires (must cater to both methods) into your UK accounts.

Online banking is a must, and I don't want to fuck around with some stupid card reader to do so (not sure if it's only building societies that do that anyway - I've been with Lloyds around 15 years so not versed in how others do things).

Thanks in advance

I'm with Lloyds after switching from HSBC a couple of years back, I've found them okay. How have they dropped the ball with you?

INever · 02-03-2018, 02:06 AM

Whatever you do, don't use HSBC.

BigFurry · 02-03-2018, 02:16 AM

Can you cash foreign checks using a smartphone app at NatWest?

Jel · 02-03-2018, 05:46 AM

Quote:

Originally Posted by rogueteens

I'm with Lloyds after switching from HSBC a couple of years back, I've found them okay. How have they dropped the ball with you?

If I'm honest, it's more my local branch. I've been with Lloyds for a long time, and never had a problem until the wankers in my local branch seem to have taken a dislike to me one day, it's very bizarre. Unhelpful as possible, make me jump through unnecessary hoops for simple shit (like putting a reference in with any over the counter cash deposits.. eg withdrawing cash at the atm on payoneer card to then deposit as cash - they fucking hate that for some unknown reason), it's all quite strange.

As for use of the account, I get at least 5 debit card transactions a month flagged as fraud, and have to go through the rigmarole of either answering a text, or ringing up if the text doesn't come through, then going through security etc, then going through and confirming payments, at 20 minutes a time.

It's hard to explain actually, but it's become more like dealing with the council and all their bollocks than dealing with a customer based outfit.

I might just have to suck it up tbh, hsbc I'd never touch, natwest I hear 50/50 good/bad about, and santander I hear negative things about too. meh.

rogueteens · 02-03-2018, 06:17 AM

Quote:

Originally Posted by Jel

If I'm honest, it's more my local branch. I've been with Lloyds for a long time, and never had a problem until the wankers in my local branch seem to have taken a dislike to me one day, it's very bizarre. Unhelpful as possible, make me jump through unnecessary hoops for simple shit (like putting a reference in with any over the counter cash deposits.. eg withdrawing cash at the atm on payoneer card to then deposit as cash - they fucking hate that for some unknown reason), it's all quite strange.

As for use of the account, I get at least 5 debit card transactions a month flagged as fraud, and have to go through the rigmarole of either answering a text, or ringing up if the text doesn't come through, then going through security etc, then going through and confirming payments, at 20 minutes a time.

It's hard to explain actually, but it's become more like dealing with the council and all their bollocks than dealing with a customer based outfit.

I might just have to suck it up tbh, hsbc I'd never touch, natwest I hear 50/50 good/bad about, and santander I hear negative things about too. meh.

sorry to hear that. I went with Lloyds leaving HSBC and checked out the other banks but many of them now wont even touch foreign cheques or charge a fortune - something you might want to consider if changing.

INever · 02-03-2018, 06:32 AM

Are there no small banks, friendly banks in England?
Maybe a branch of an overseas bank so they are used to foreign checks.

Grisey · 02-03-2018, 06:42 AM

HSBC Sucks, currently with LLoyds and find them great.

redwhiteandblue · 02-03-2018, 10:06 AM

Barclays - no problem with paying foreign cheques in - money is always there the next day apart from some times back in around 2010 when a few times they had to send them for negotiation which takes six weeks. Online banking on desktop is with the pin sentry keypad thing but their phone app is pretty good, lets you do most things you need.

BigFurry · 02-04-2018, 01:19 AM

Quote:

Originally Posted by Jel

If I'm honest, it's more my local branch. I've been with Lloyds for a long time, and never had a problem until the wankers in my local branch seem to have taken a dislike to me one day, it's very bizarre. Unhelpful as possible, make me jump through unnecessary hoops for simple shit (like putting a reference in with any over the counter cash deposits.. eg withdrawing cash at the atm on payoneer card to then deposit as cash - they fucking hate that for some unknown reason), it's all quite strange.

As for use of the account, I get at least 5 debit card transactions a month flagged as fraud, and have to go through the rigmarole of either answering a text, or ringing up if the text doesn't come through, then going through security etc, then going through and confirming payments, at 20 minutes a time.

It's hard to explain actually, but it's become more like dealing with the council and all their bollocks than dealing with a customer based outfit.

I might just have to suck it up tbh, hsbc I'd never touch, natwest I hear 50/50 good/bad about, and santander I hear negative things about too. meh.

I'm not in the UK but...

Banks have KYC/risk assesment. Frequent cash deposits may be regarded as money from possibly illegal sources. (Unless they know you own a brick and mortar shop etc.) Maybe they flagged you as a risky client in their system.

I'd switch banks too if I were you. But also, I'd cut down on cash deposits. Have your money transferred to your bank. And what you take out at the ATM, spend it, use it for expenses.

02-02-2018, 09:23 AM	#1
Jel Confirmed User Industry Role: Join Date: Feb 2007 Posts: 6,903	UK Sole Traders - Who Do You Bank With? Lloyds have turned into fuckwits and dropped the ball massively over the past 6 - 12 months so looking to possibly switch up banks. Looking for good/bad feedback about UK banks' business accounts, and the ease/difficulty of getting USD affiliate checks/wires (must cater to both methods) into your UK accounts. Online banking is a must, and I don't want to fuck around with some stupid card reader to do so (not sure if it's only building societies that do that anyway - I've been with Lloyds around 15 years so not versed in how others do things). Thanks in advance

02-02-2018, 10:18 AM	#3
LouiseLloyd SO FUCKING SCAMMED Industry Role: Join Date: Mar 2010 Location: UK Posts: 1,256	Yorkshire Bank __________________ ARE YOU USING WORDPRESS❔ Tube Theme • Paysite Theme • TikTok Theme

02-02-2018, 12:53 PM	#4
NatalieK Natalie K Industry Role: Join Date: Apr 2010 Location: Spain Posts: 18,535	I´ve never had a problem with Natwest, fast, efficient & always looking to give charges back to keep you happy as a customer. The refunded 100´s every year for the past 10 years when we ring & say, it´s unfair these overdraft charges when I´m paying interest to you... like, hell yeah, Bank of Scotland rocks __________________ My official site NatalieK.xxx My free porn & affiliate blog Natalie K affiliate program First time girls Skype: gspotproductions - "Converting your traffic into income since 2005"

02-03-2018, 02:06 AM	#6
INever Confirmed User Join Date: Jan 2005 Location: .......in a niche, in orbit...... Posts: 3,266	Whatever you do, don't use HSBC. __________________ Investment advisory sponsor:50% comm. Minimum $788 payout/join. I love Camdough

02-03-2018, 06:32 AM	#10
INever Confirmed User Join Date: Jan 2005 Location: .......in a niche, in orbit...... Posts: 3,266	Are there no small banks, friendly banks in England? Maybe a branch of an overseas bank so they are used to foreign checks. __________________ Investment advisory sponsor:50% comm. Minimum $788 payout/join. I love Camdough

02-03-2018, 02:16 AM	#7
BigFurry Confirmed User Industry Role: Join Date: Nov 2003 Posts: 1,509	Can you cash foreign checks using a smartphone app at NatWest?

02-03-2018, 06:42 AM	#11
Grisey Confirmed User Join Date: Jan 2004 Location: Uk Posts: 1,805	HSBC Sucks, currently with LLoyds and find them great. __________________ Segpay Suck Ass Worse Billing Company Allurecash Scammers and don't pay

02-03-2018, 10:06 AM	#12
redwhiteandblue Bollocks Industry Role: Join Date: Jun 2007 Location: Bollocks Posts: 2,785	Barclays - no problem with paying foreign cheques in - money is always there the next day apart from some times back in around 2010 when a few times they had to send them for negotiation which takes six weeks. Online banking on desktop is with the pin sentry keypad thing but their phone app is pretty good, lets you do most things you need. __________________ Interserver unmanaged AMD Ryzen servers from $73.00