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Smile Banking
There is a theory that most online banks may offer innovative products and good rates, but such a narrow range of products that you need to keep a high street bank account on the go as well in order to obtain other products you might want. Smile banking, however, has pretty much everything you could want, including a current account, credit card, loans, mortgages, and a no-notice savings account. In investments, pick up an ISA, invest in a range of funds, or deal in shares for a very respectable £5 (as they say "we don't expect you to wear a pinstripe suit").
The current account offers 3% gross interest- (you'll be lucky to find 0.2% on the high street), and a healthy £500 automatic overdraft at 9.9%, also a good deal (there are better around, but the difference is negligible); and as a current account holder, you get sneaky good rates on other Smile banking products. There's even a premium banking option to match those offered by the big Four, called Smilemore. At just £6 per month it's cheaper than many competitors and gets you free worldwide family travel insurance (yes, the whole family not just you) and free breakdown cover; along with some other goodies too. There's also no interest to pay on the first £260 of your overdraft- (which your previous bank charged you £25 a time for!) That's not a bad deal for £74 a year. Smile banking really is how banks ought to be- not just on account of a breadth of services, but also because their customers appear to say so.
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