No I'm going old school and moving to Handelsbanken to have a named managed who will deal with everything and even visit me at home to talk about my finances. This is having had yet another voicemail from someone I've never heard of at Lloyds trying to sell me more services.
Indeed Coffers but had lots of payee details stored on their system that I needed regularly over the last couple of years. Now those are no longer relevant I'm meeting my new friend from Handelsbanken to hand everything over to him.
I have a Starling account which I use for holiday spending money. There's no fees for foreign ATM withdrawals. Only issue is it's £300 a day limit (not a major problem for me but would be if you're a big spender). I think you get 0.5% interest up to £2k or something as well but that's obviously meh.
I have a Tandem credit card - for about 2 more weeks. They recently changed their model so they are charging £5.99 per month to have a credit card, even if you don't spend anything on it. Not worth the benefits you get IMO. So I decided not to continue with them.
I use Plum though to make automatic regular savings which get invested into a shares tracker, really good service.
Plum seems to charge £12 a year to give your money to an intermediary that takes .5% to then put your money in a Vanguard fund, while collecting masses of financial data about you. Is this true?
Plum seems to charge £12 a year to give your money to an intermediary that takes .5% to then put your money in a Vanguard fund, while collecting masses of financial data about you. Is this true?
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No I'm going old school and moving to Handelsbanken to have a named managed who will deal with everything and even visit me at home to talk about my finances. This is having had yet another voicemail from someone I've never heard of at Lloyds trying to sell me more services.
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I have monzo and revolut accounts. the former because I just needed a separate bank account and the sign up was easy. the latter for FX
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Handelsbanken are bloody brilliant.
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+1 for Revolut
Particularly useful for wholesale fx rates
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lloyds are weapon grade khunts.
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Indeed Coffers but had lots of payee details stored on their system that I needed regularly over the last couple of years. Now those are no longer relevant I'm meeting my new friend from Handelsbanken to hand everything over to him.
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I have a Starling account which I use for holiday spending money. There's no fees for foreign ATM withdrawals. Only issue is it's £300 a day limit (not a major problem for me but would be if you're a big spender). I think you get 0.5% interest up to £2k or something as well but that's obviously meh.
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I have a Tandem credit card - for about 2 more weeks. They recently changed their model so they are charging £5.99 per month to have a credit card, even if you don't spend anything on it. Not worth the benefits you get IMO. So I decided not to continue with them.
I use Plum though to make automatic regular savings which get invested into a shares tracker, really good service.
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Plum seems to charge £12 a year to give your money to an intermediary that takes .5% to then put your money in a Vanguard fund, while collecting masses of financial data about you. Is this true?
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??? That is exactly my use case for Monzo.
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bananaman21 Feb 20 11:12
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Plum seems to charge £12 a year to give your money to an intermediary that takes .5% to then put your money in a Vanguard fund, while collecting masses of financial data about you. Is this true?
Probably.
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Revolut is good till it goes wrong and then they properly go into clusterfook mode.
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