Fineco Bank

Got the card and the account set up in one go, which was a pleasant surprise. The card came in a few days and the app showed the balance straight away. Works fine for me, no complaints.

I picked up a fixed rate saver for my emergency pot. I'd compared a few options first and this one beat the others on rate and the terms were easy to read. Setting it up took a bit of paperwork but the money has been paying out exactly as stated since.

I took out a fixed rate saver with them last spring and the paperwork came through very promptly. The customer service line was a little slow to answer when I rang with a query about my statement, though I did get through in the end and the lady was helpful. Mostly I'm pleased with it, it's just a shame about the wait on the phone.

The app kept logging me out every few minutes which was really annoying when I was trying to move money. I rang the helpline and waited about twenty minutes before anyone picked up. Sorted in the end but it was a real faff.

I needed a personal loan to fix up my van for work and I know my way around loans. The application was quick and the decision came back the same day. The money landed in my account the next morning and the repayments come out without any fuss.

Compared with the bigger names I looked at, this gave me a better rate on my savings and I'd tried two others first. The sign up took a few goes because a page kept timing out but it got there in the end. The interest is paid monthly and that's been spot on.

First time I'd ever opened an account with an online only bank so I was a bit nervous. What stood out straight away was the clear step by step on the app, it told me exactly what to do next. My debit card turned up in four days and the account was usable the same afternoon I verified my details. Support chat answered my daft questions quickly too.

I'd used these people for years and I know how they work, so the transfer I set up was a surprise. It took three working days to land when I expected it sooner. The account itself is still fine but that one delay annoyed me.

Compared with my last lender this was a much easier process for a personal loan. I know the lending side pretty well from my job so I could tell quickly the terms were fair. The money reached my account the same afternoon I was approved.

What got me first was that there's no monthly charge on the account, which is more than I can say for my last bank. I put a bit into a saver and the interest is paid in regularly without me chasing it. For what I pay, which is nothing, it does the job well enough.

This was my first account on my own so I needed it to be simple. Signing up was easy enough and the card arrived after a few days. The app was a bit slow to load my first few times but after that it was fine.

I'd say this is the best option I found for a current account with no monthly fee. I compared three or four banks before picking it and the account setup was quicker than the rest. Been a few months now and no complaints.

Honestly one of the easiest things I've done with money. Applied on the app on my lunch break, got a yes that afternoon and the cash hit my account the next morning. Dead simple, no faff.

I'd say the account is the most straightforward I've had in many years. I weighed up the options carefully before I signed up and this one was clearly sensible. Everything has run smoothly since and I have no complaints to report.

I needed a small loan to cover some repairs and I was keen to get it sorted. The application asked for the same documents more than once and it took about two weeks to get a decision. Once approved the money came through without trouble, but the wait was longer than I would have liked.

Compared with my old high street bank, the savings rate here is much better and I don't pay for an account I barely use. I've been using it for a couple of years and know the process well. The only thing I'd knock off is that the app asks for the same security code twice on some logins.

The savings rate is decent for the money and I like not paying anything to keep the account open. A small thing is that the help section was hard to find when I wanted to check how a transfer worked. Otherwise it does what I need.

Compared to my old bank the process to open this one was far quicker, though the interest was a little lower than I'd hoped. Just the one thing: the email confirmations came through late so I was checking my inbox for a while. The account itself works well for me.

I needed a new current account after my old bank closed mine with a letter and not much warning. I'd never had an online-only bank before so I was nervous. The sign up was straightforward and the card arrived within the week, so I was properly relieved.