Reply to: 1-2-3 Santander Account -

[DaveB]

Funnily enough i upgraded mine and the joint account to this 123 at the weekend. What was most pleasing about the whole experience, was seeing the reaction of the rather attractive bank clerk to the huge wad of dosh sat In my old account. She was definitely moist!!! Shameful really. If only I was a single man- quick message to the mobile on her bank card. "blah blah....let me take you away from all this..." Ah well.

Had he same thing with First Direct when I changed the mortgage recently. Woman on the phone was most impressed with the amount in the offset account.

Mind you the call centre is in Newcastle and £17.50 will get you a bottle of Thundebird, a packet of fags and a bag of chips for after, a long as she doesn't drop them.

[No2politics]

Funnily enough i upgraded mine and the joint account to this 123 at the weekend. What was most pleasing about the whole experience, was seeing the reaction of the rather attractive bank clerk to the huge wad of dosh sat In my old account. She was definitely moist!!! Shameful really. If only I was a single man- quick message to the mobile on her bank card. "blah blah....let me take you away from all this..." Ah well.

[MarillionFan]

I had a 5-year bond with National Provincial. On its 5th anniversary I took it in to what had become an Abbey National/ Santander and they quite rudely refused to pay up. I obviously complained in the most polite manner possible (I really was as polite and gentle as its possible to imagine) so the member of staff burst into tears and went and got her manager who took her side and threw me out. Nothing like this has ever happened to me at any time or place. Snotty letters to head office and several months later before I finally got the money out of them. Absolute disgrace and wouldn’t go near them with a bargepole.

I also find that some women get upset by the term 'listen to me sugar tits', OP I feel your pain.

[CoolCat]

I had a 5-year bond with National Provincial. On its 5th anniversary I took it in to what had become an Abbey National/ Santander and they quite rudely refused to pay up. I obviously complained in the most polite manner possible (I really was as polite and gentle as its possible to imagine) so the member of staff burst into tears and went and got her manager who took her side and threw me out. Nothing like this has ever happened to me at any time or place. Snotty letters to head office and several months later before I finally got the money out of them. Absolute disgrace and wouldn’t go near them with a bargepole.

[Old Hack]

The wife joined a while back, and they gave her a credit card too, so she buys everything with it in the month, then pay's it off. She's bought this little cottage using a Mortgage through 1-2-3 too.

[mudskipper]

You do? we have ISAs with them too and never picked up on that one. We do get the 1-2-3 credit card for free as customers, which also gives decent cash-back on supermarket spends.

Looks like it's only their fixed rate 2 year deal now, and 0.6 %. Back in March when I was changing it was on the standard, but CBA to open a new current account at the time.

[DaveB]

With the new 7 day switching rules, banks are now planning to insist that the donor account is closed as part of the transfer so might need to get in quick

No need to switch, just open them as new accounts in addition to your exisiting ones.

[jmo21]

I've had my 123 account for 6 months maybe and only just discovered you can have 2.

Just applied for my 2nd one last night.

3% is the highest "normal" saving account at the moment, even though it is technically a current account.

(I have a Nationwide one that pays 6% but that's only on balances up to £2500 - every little helps right :-)

[SimonMac]

With the new 7 day switching rules, banks are now planning to insist that the donor account is closed as part of the transfer so might need to get in quick

[TykeMerc]

Been tempted - my cash ISA's with Santander, and you can get an extra 1% if you have a 123 account.

That's quite a boost on the return of an ISA, sounds like a no brainer even if it's just used as a holding account to cycle some cash through to meet the requirements.

[d000hg]

Been tempted - my cash ISA's with Santander, and you can get an extra 1% if you have a 123 account.

You do? we have ISAs with them too and never picked up on that one. We do get the 1-2-3 credit card for free as customers, which also gives decent cash-back on supermarket spends.

[mudskipper]

Been tempted - my cash ISA's with Santander, and you can get an extra 1% if you have a 123 account.

[d000hg]

Yep I have one of these. Didn't realise the threshold for the interest rate was so high, I thought it was more like £5k... if that's the case I should be using these to hold my dividends ASAP!

My parents had 4 accounts with another bank who did something similar, all paying £1000 a month in a big circle to meet the requirements.

[MarillionFan]

Did wonder about these accounts a while back, no particular reason to change, but seems the maffs is good, innit?!

You don't need to change. That's a misnomer.

You can open the account, all you have to do is transfer £500 in per month and put in two direct debits per account.

[kevpuk]

Did wonder about these accounts a while back, no particular reason to change, but seems the maffs is good, innit?!