Ghost

Their statements are laid out clearly, which I appreciate, and the customer letters are plain English with no nonsense. I had a query about a payment and it was sorted by the next working day. A very satisfactory experience throughout.

I applied for the savings account and the paperwork went through without trouble, which I was grateful for. The debit card took longer than I'd been told to arrive though, closer to two weeks, and I had to wait before I could use it. Once it came it has been perfectly fine.

Way better than the app my old bank had, this one actually loads without freezing every time I open it. Setting up the account was dead easy on my phone. Only thing I'd moan about is that the notifications are a bit too many and I've had to turn half of them off.

Good, it does what it's supposed to. The application was straightforward enough, though I did have to upload my payslips twice because the first lot didn't read properly. Money landed the day after approval, which is decent, and the repayment schedule is easy to see in the app.

I've used a few of these now and this is the one I've stuck with, mainly because the currency conversion on my foreign card payments is fairly sensible and the fees are clear before I pay. The virtual card for online shopping is a nice touch, and I can freeze it in the app if I think something looks off. Been with them nearly two years and no real problems.

What struck me first was that every fee is listed up front with no surprises when I checked the charges for using the card abroad. I'd been caught out before by other providers so this was a nice change. I've used the card for a couple of trips now and it's been painless, and the money came through to my account the same day it was approved.

Compared with the building society I used to deal with, the interest rate on the fixed saver is noticeably better and I can see everything from my phone. I opened a pot for my grandson's birthday and it was all done in under a quarter of an hour. I'm very content with it.

Before choosing I compared three of the big names and this one had the clearest breakdown of fees on the website, which is what made me pick it. I liked that you can see the exact rate before you commit to anything. The account opened without me having to visit a branch, and the card got to me in about five days. Very happy so far.

The account is basically the best I've used for day to day spending and I've tried several. The app shows my budget clearly and I like being able to move money into pots. The only real niggle is that the account opening stalled once while it asked me to upload ID again, but it sorted itself out.

I needed a card I could use on holiday without getting clobbered on the exchange rate, so I went for this one. It does exactly that and the fees are easy to find. The card did take a few days longer to reach me than I'd like, but I got it in time.

I found the process considerably simpler than the account I had with my previous bank, which required a visit to a branch. Everything was done online and the card arrived within the week. My only dealings since have been very pleasant, and I'd happily carry on with them.

Opened a savings pot on the app and it's honestly so easy. Money moves in and out in a couple of taps and the interest hits every month. Would use again lol.

I've had the same card with them for going on six years now, and what I rely on most is the reliable contactless and the fact the card always turns up when it's due for renewal. Last one arrived in four days with no fuss at all. I've never had a reason to look elsewhere.

Loan paid in the next day which was great, but I had a question about my first repayment date and the chat took nearly two days to get back to me. Application on the app was dead easy, took me about ten minutes between jobs. Interest is a bit higher than I'd hoped, although it was still the cheapest offer I found. Would use again, just hope they sort out the replies.

My boiler packed up in January and I needed the money fast to get it replaced. I applied on the site on a Tuesday evening and got a decision before bed. The money reached my account the following morning, and the repayments come out on the same date each month without any fuss.

Compared to the bank's own app this is miles quicker to get a balance and move money about, and I knew the account side well enough to spot the difference straight away. The sign up took about ten minutes with my passport photo and the account was open the next working day. No complaints from me, I'd expect this level from any decent current account provider really.

I was after a cheap overdraft to get me through a bad month when my hours got cut at work. The arrangement fee was a bit more than I'd hoped for, and the monthly charge puts it above what some other providers want. The approval itself was quick enough and I did get the buffer I needed.

I signed up for the cashback card mostly for the petrol and the monthly cashback on my weekly shop. It gives back a fair bit more than I expected for what it costs me, which is nothing, and the card arrived in about five days. Nothing to pay on top, no hidden fees I could find, and it's taken the sting out of my fuel bill a bit.

I needed a small loan to cover the repairs on my car after an unexpected breakdown, so I went with them mainly because the application was quick to fill in. The decision came through the same afternoon, which I was pleased about. However the money took closer to three working days to appear in my account than I was told, and I had to ring to ask where it was.