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Richard P

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All reviews (16)

Review of the HSBC, Bank Account:

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Unethical bank, if you can get past the login screen

Been with them on a few occasions and every time the same experience. They have the most complicated way to log into their accounts vs other banks. The names they give the codes, OTP, pins etc, vary throughout the process. So just logging in is a case of juggling 7+ different codes and passwords. No other bank seems to make it so hard to login apart from their child company FirstDirect. I had to repeatedly call them to unlock my accounts. Other than that, the bank account is average; nothing special, not even good savings rates like FD. And just like FD; the money isn't invested ethically. Reviewed on: 7th September 2024

Review of the first direct, 1st Account:

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Unethical bank, if you can get past the login screen

Been with them on two different occasions and both times same experience. They have the most complicated way to log into their accounts vs any other bank. The names they give the codes, OTP, pins etc, vary throughout the process. So just logging in is a case of juggling 7+ different codes and passwords. Apart from their parent bank, no other bank seems to make it so hard to login. I had to repeatedly call them to unlock my accounts. Other than that, the bank account is average; nothing special. The savings rates that are then accessible with them are usually good, but like their parent HSBC; the money isn't invested ethically. Reviewed on: 7th September 2024

Review of the Metro Bank, Current Account:

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Great for basic accounts and highstreet branches

Been with Metro Bank on and off, honestly mostly as an account ready to switch. They don't offer anything beneficial compared to other banks. They do have a lot of branches, but I find it takes a long time to speak to someone; a branch visit is usually takes an hour end to end. And there are a fair few things you have to go into branch to open or resolve. They did recently have a good savings rate, but sadly that dropped soon after opening, and was eclipsed by other banks offerings. Reviewed on: 5th September 2024

Review of the Moneybox app, Savings Accounts:

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Overall great app, but has some annoying quirks

Overall MoneyBox is a really good app, and has good rates on fixed products. I'm not an expert investor, but I did reasonably well on the investment side too based on their recommendations. But sadly you can't close their accounts. This means that you'll never get any new bonus rates. The interest earned doesn't scale when you make withdrawals, so it looks like you've made 200% on £0. I've asked customer support several times if there's any way to fix these issues, but it's a no. You have to fully leave all their accounts before they can delete you, and you can start with a clean slate. Though you account number is your NI number, so it's not clear if I will be able to rejoin. I don't know if that works with GDPR. I've never had a bank (or other service) where you can't close your account... Reviewed on: 4th September 2024

Review of the Barclays, Bank Account:

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Terrible call centres, poor product selling points

Was with Barclays for 15 years from a child to my first job. As an adult, I realised there was no benefit to being with them. Later when I had to have a mortgage with them, I opened a bank account. Their systems couldn't handle me having both a mortgage and a bank account with them, so my mortgage disappeared and couldn't be interacted with. Calling them was a nightmare, hard to get through, difficult to understand the agents, and they couldn't fix the problem. In store they worked directly with Barlcays IT department, but still couldn't fix the issue. In the end they set me up with a completely new profile. After a few years the new account wasn't giving me any benefits, so I closed the account... this then wiped my mortgage from the account again! I told them directly to set me up with a new profile as that had worked in the pass, so at least this time around the issue was fixed quicker. In general, they're also he worse bank for ethics and fossil fuels, so even as a basic single bank account, there's still issues. They are the only bank I will actively warn people to avoid. Reviewed on: 4th September 2024

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