UK Banks Thread

[Guardian]

Let's talk about banks in UK.

[dream2DJ]

what do you want to talk about? CapitalOne although not a bank, sucks! they are still "posting" my credit card since December last year!

[crescent]

banks? ok

which bank do you use? and r u satisfied with it?

I've got accounts in Turkish Bank and in Barclays. I don't use the first one at all these days cuz they don't issue pymt cards. So I just use Barclays one. Am I satisfied? Well.. I'd say I don't have an alternative to compare with... :?

[Googler]

I used to have a credit card from HSBC Bank. No claims I had.
A friend of mine is a client of Barclays.

I like Islamic bank of Britain as well as Lloyds TSB, cause they work with customers under "sukuk". If I lived in UK I would have been a customer of the banks.

[crescent]

By the way... does any one know abt the Islamic banking that has recently been established in HSBC? I suppose it's called smth like "Amanah". Is there anyone who dealt with it?

[Googler]

By the way... does any one know abt the Islamic banking that has recently been established in HSBC? I suppose it's called smth like "Amanah". Is there anyone who dealt with it?

Yeah u're right.
Google gives: hsbcamanah.com/hsbc/amanah :)

[R.Azimov]

УК га келганимда укишим Halifax дан хисоб очишга ёрдам берганди. Халиям Halifax биланман. Илгари кастимир сервисдан унчалик коникмасдим. Хозир тилпон килиб безор килишади, уйингни сугурта килмайсанми, машинангни сугурта килмайсанми, тилпонингни сугурта килмайсанми, травел килсанг сугурта киламиз... кабилар билан.

Шундай булса хам менга Halifax билан Natwest ёкади. Купчилик HSBC, RBS ни зур банк деб ушалар билан банкинг килишга харакат килишади. Лекин Лоан олмокчи булсангиз АПР камида 10% булса, овердрафтни кам берса нима кераги бор унака зур банкни.

Менинг фикримча Бой банкнинг камбагал мижози булгандан кура Камбагал банкнинг бой мижози булган яхши. Хисобингизга 2-3 миинг куйиб бир айлантирсангиз сиздан яхши одам булмайди мижозлар ичида. ;)


RA

[Sigma]

Major UK banks, Lloyds TSB, HSBC and Islamic Bank inclusive offer shariah compliant current and savings, as well as business accounts. Quite recently Lloyds have started offering savings account with profits accruing from investments in halal businesses. As for HSBC they also have long enough established shariah compliant services. As for Islamic Bank of Britain (http://www.islamic-bank.com/islamicbanklive/IAProfitsRates/1/Home/1/Home.jsp) they offer savings account/term deposit, whereby you can deposit your money for a fixed period of time between one month and/or six month for so called "interest", in this case islamic profit from fixed percentage. Last time I checked it was minimum of 3.25 for short term, and 3.5 for term of between 90 to 180 days, or better still 3.75 for fixed 180 days. Although the profit rates are not one of the best ones in the financial market, they anyway offer you the chance to profit in ways acceptable in Islam, ie piece of mind and soul.
By they way, they operate under mudaraba principles. Sukuk is only applicable to government bonds and treasury bills. You can obtain such financial products on request from IBB; they have recently begun offering them as well.

[dream2DJ]

УК га келганимда укишим Halifax дан хисоб очишга ёрдам берганди. Халиям Halifax биланман. Илгари кастимир сервисдан унчалик коникмасдим. Хозир тилпон килиб безор килишади, уйингни сугурта килмайсанми, машинангни сугурта килмайсанми, тилпонингни сугурта килмайсанми, травел килсанг сугурта киламиз... кабилар билан.

Шундай булса хам менга Halifax билан Natwest ёкади. Купчилик HSBC, RBS ни зур банк деб ушалар билан банкинг килишга харакат килишади. Лекин Лоан олмокчи булсангиз АПР камида 10% булса, овердрафтни кам берса нима кераги бор унака зур банкни.

Менинг фикримча Бой банкнинг камбагал мижози булгандан кура Камбагал банкнинг бой мижози булган яхши. Хисобингизга 2-3 миинг куйиб бир айлантирсангиз сиздан яхши одам булмайди мижозлар ичида. ;)


RA

Halifax yahshi. menga masalan yakinda uzlaridan uzlari Visa card yuborishdi. shetni kam ishlatardim. Asosiy shet Loyds-da. yomon ham emas.

[Guardian]

has anyone tried to switch their savings acoount to first direct savings. (part of hsbc group). if you can pay in around 1500 pounds a month into your account (you can withdraw your money anytime too) it is better to switch to first direct and take 100 quid for doing so.

call free: 0800 24 24 24

;)

[Royal]

HSBC da
bir nechchi hil kurrenciyda schyot ochishila mumkin...

[corsair]

what do you want to talk about? CapitalOne although not a bank, sucks! they are still "posting" my credit card since December last year!

the Capital One isnt bank Its just Branch of MBA Europe (Credit Card org).

[corsair]

guys, what you think about this one...
http://www.idtprime.com/how.aspx

[crazy_in_love]

I used to have a credit card from HSBC Bank. No claims I had.
A friend of mine is a client of Barclays.

I like Islamic bank of Britain as well as Lloyds TSB, cause they work with customers under "sukuk". If I lived in UK I would have been a customer of the banks.


What is sukuk? i like Natwest. They are always nice to me! :P

[Googler]

What is sukuk?

http://en.wikipedia.org/wiki/Sukuk

[Googler]

Uzr,sal mavzuga tegishli emasku....Lekin savol.

Agar shetizdan siz bilmagan holda''birov card details'' larizi ko'rib qolib yoki boshqa sabab, ma'lum miqdorda pul yo'qolsa,u puldi qaytarsa bo'ladimi bankka murojat qilib???

Если свою невиновность Вам удастся доказать, банк обязан будет вернуть похищенные деньги и этот процесс называется chargeback. Банк, принимая ваши деньги на карточный счет, изначально берет на себя обязательства обеспечить их защиту. И если с этой функцией банку справиться не удалось – это не Ваша проблема. А если Вы не сможете собрать больше доказательств, тогда очень трудно получить украденные деньги обратно.

[Ma'ruf]

Если свою невиновность Вам удастся доказать, банк обязан будет вернуть похищенные деньги и этот процесс называется chargeback. Банк, принимая ваши деньги на карточный счет, изначально берет на себя обязательства обеспечить их защиту. И если с этой функцией банку справиться не удалось – это не Ваша проблема. А если Вы не сможете собрать больше доказательств, тогда очень трудно получить украденные деньги обратно.

Ma'lumot,uchun rahmat.;)
Bugun bankka borip gaplashkandim...puldi qaytaramiz deyishti...Hudoga shukur!!!:)
O'ziyam $4000 o'zidan o'zi yo'qalib qosa...odam g'alati bo'lar ekan...:(

[Zalina]

Lloyds TSB & Barclays rule!

[Vector]

natwest sucks big time...
one of my friend left UK couple of years ago and he deposited around £2000 in the bank before leaving. Now he found that his account has been closed and he needs to return to UK in order to activate his account and get his money back...
He also left around £3 in Barclays account, and this account is still live....
I like Barclays, don't like Natwest too, their customer service is really poor.

[crescent]

natwest sucks big time...
one of my friend left UK couple of years ago and he deposited around £2000 in the bank before leaving. Now he found that his account has been closed and he needs to return to UK in order to activate his account and get his money back...
He also left around £3 in Barclays account, and this account is still live....
I like Barclays, don't like Natwest too, their customer service is really poor.

But Barclay's charges are really high if the account is overdrawn :(

[Zalina]

U kazhdogo banka dolzhna byt' forma "zakritiya licevogo scheta", kotoruyu Client banka zapolnyaet ot ruki, podpisyvaet i posulaet po pochte, gde by on ne byl. V etoj forme Vy ukazyvaete drugoy schet, na kotoriy Client hochet perevesti svoi dengi. Vasha podpis' sveryaetsya s podpis'yu v base dannyh i vashi dengi uhodyat na schet ukazanniy Vami v forme.

NatWest tochno sucks! :evil:


natwest sucks big time...
one of my friend left UK couple of years ago and he deposited around £2000 in the bank before leaving. Now he found that his account has been closed and he needs to return to UK in order to activate his account and get his money back...

[Guardian]

But Barclay's charges are really high if the account is overdrawn :(
*
Get your money as Martin Lewis recommends. Go to moneysavingexpert.com or consumeractiongroup.co.uk/forum for the tutorial.

[insider]

I have an HSBC Amanah account and fully satisfied with it.
Because HSBC is trying to capture Islamic banking market in the UK, it is easier to open Amanah account as well.
One thing to note, though, only a selected number of branches offers such account. However once you will open it, your basic banking needs can be served from any branch.

[supervisor]

Lloyds tsb is the best

Islamic Bank of England is not good and not practical, it is not possible to set up a direct debit but you can use the master card for ID or credit check purposes.

[Alee]

My friend wants to open bank account in the UK. Is it possible without visiting UK?
Thanks.

[Careerist]

I'm just thinking now, how much money do you need in order to succesfully apply for MasterCard. :rolleyes:

[Asskicker]

My friend wants to open bank account in the UK. Is it possible without visiting UK?
Thanks.

I think No, because you need to provide the evidence of your home address etc. you can't open debit card (not even talking about Credit card) account if your visa is less than a year. thus, I doubt if they open any account at all.:(

othervise, I would open bank accounts for my family here, and would just put money on their accounts here.

[shaddow]

try this
http://www.hsbc.co.uk/1/2/personal/current-accounts/passport;jsessionid=0000ztLfDo2sfpHpd9CCLiIaAGj:12 c58sh8k

[corsair]

I think No, because you need to provide the evidence of your home address etc. you can't open debit card (not even talking about Credit card) account if your visa is less than a year. thus, I doubt if they open any account at all.:(

othervise, I would open bank accounts for my family here, and would just put money on their accounts here.

gold mastercard... :-D http://www.mycashplus.co.uk/default.aspx

[Alee]

I visited HSBC, they also said that client should be in the UK or in the country with bank's branch available. In their web site it says you can open international account, however minimum balance is to be £5000, which is too much.
If the visa is less than a year, you can still open bank account (debit card), based on my personal experience.

I think No, because you need to provide the evidence of your home address etc. you can't open debit card (not even talking about Credit card) account if your visa is less than a year. thus, I doubt if they open any account at all.:(

othervise, I would open bank accounts for my family here, and would just put money on their accounts here.

[Asskicker]

I visited HSBC, they also said that client should be in the UK or in the country with bank's branch available. In their web site it says you can open international account, however minimum balance is to be £5000, which is too much.
If the visa is less than a year, you can still open bank account (debit card), based on my personal experience.


yes, you're right Alee. thanks for correcting me. I managed to open bank account (debit card) (not cashcard like most of my friends in the beginning) with papers from my school and agency where I was employed (although i didn't have permission to work :lol: ) i was lucky :-)

but £5000 - i think it's too much.:shock: