Alliance & Leicester Premier Direct Current Account Review

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1.6 stars
Average rating for this product is: 1.6 out of 5

From 0 ratings and 18 reviews

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Guest's Review of Alliance & Leicester Premier Direct Current Account

23rd Jan 2009

Overall Rating

0.5 stars
  • Customer Service
    1.5 stars
  • Ease of use
    0.5 stars

One advantage of internet banking is supposed to be being able to track your account quickly whereever you are in the world. Alliance & Leicester's over-elaborate security arrangements completely defeat the point: 1) You need to remember an 8 digit ID number (different from your account or card number) to access the account. This is a random password, not a username you can select yourself. They advise you to write it down - which means you need to have it with you at all times e.g. in order to access the account at work or on holiday etc. (In addition to this you need to remember your phone pin, internet pin, and a picture with a key-word.) 2) Some countries are deemed 'unsafe' and you can't access your account online from those countries. Unfortunately I am now based in India, which A&L considers "unsafe" - even though Halifax, Barclays, American Express, Intelligent Finance, and Bank of America have no problem with it. So this is my only account which I cannot access. If I'd known all the hassle I would never have taken out the account and plan to change as soon as I return to the UK. (There is also a lower withdrawal limit than other accounts, the phone customer service is extremely hard to access, the balance is not instantly updated, and the website functionality is clunky compared with Halifax online accnt.).

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