Alliance & Leicester Current Account Review

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1.7 stars
Average rating for this product is: 1.7 out of 5

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sesterti's Review of Alliance & Leicester Current Account

21st Oct 2008

Overall Rating

0.5 stars
  • Customer Service
    0 stars
  • Ease of use
    3.5 stars
Good Points

None spring to mind.


Bad Points

Rude, argumentative nay downright aggressive and goading call centre staff, sneaky timing policies on imposition of fines, which are now extortionate at £5 per day for even tiny accidental overdrafts, statements are a dog's dinner (a fault common with their commercial banking statements also).


General Comments

I would sooner stash my cash under my bed than let Alliance and Leicester anywhere near it (maybe a wise policy in these bank run times anyway).
For one, they seem to have endless penalties and fees.
It is clear their policy is to manipulate timings to keep you in a state of perpetual extortionate debt. They won't actually take the money out when you've put in plenty to cover the overdraft and the fines; they'll wait a few weeks and hope you've forgotten about it and been busy drawing away at the account until it falls below the level at which their fine extraction will once more plunge the account into the red and re-trigger yet more fines that they won't inform you of until it's built up.

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LenderAccountDescriptionInterestAEROverdraft  
Overdraft LimitOverdraft Rate
Alliance & LeicesterPremier Direct AccountEarn a great rate of 6% AER (fixed for one year) on balances up to £2,500.Monthly6.00%0.00%£2,000.00
Alliance & LeicesterPremier CurrentEnjoy Free annual multi-trip European travel insurance and earn 0.50% AER on balances up to £2,500.Monthly0.50%0.00%£2,000.00
NatwestNatwest Advantage Gold AccountEnjoy benefits worth up to £704 for just £12.95 a month. Including Mobile phone cover, Travel Insurance and even tailored rates on other Natwest products.Monthly0.25%18.49%n/a