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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veganline's Review of Alliance & Leicester Current Account

29th Oct 2008

Overall Rating

2 stars
  • Customer Service
    1.5 stars
  • Ease of use
    1 stars
Good Points

Table-topping rates if you keep-up with their churning of products, but they refused me permission to do so. The web site has two different pass-numbers to remember but once you can remember those it works reliably. A chart-topping deposit account only lets you take out interest in June unless you want to loose a months' interest. But if you transfer all the account into another deposit account, and transfer it back on the last day, you still get some interest.


General Comments

There's usually a table-topping deposit account but it changes each year or two from Premier to Premier Direct to eSaver to whatever it will be next year. They didn't let me transfer from one to another until I had a socking great amount of money in the account by fluke one month; usually the computer just says no.
There doesn't seem to be a review section for Alliance and Leicester Commercial Bank, which simply doesn't work so maybe that's why.
If you use a personal account for business and they hear of it, they write "please be advised that the account is for private use only", which is silly. Does it mean they'd close my account on a whim if they felt like it?
The half percent cash back card, re-branded from MBNA, appears deliberately confusing in the way statements are laid out so that even with personal finance software you can never really balance it. You can't tell what date the "closing balance" refers to. The only solution is to use it for one budget heading only and not try to balance it.

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