Written on: 24/06/2013
We've had a lifetime free business account with Alliance and Leicester for several years. It's now of course owned by Santander. Our main problem is the lack of detail that is shown with regard to incoming payments. We usually receive a paper backup of transactions that show 'transaction details' but these details are completely lacking when payments are viewed online. Instead, each payment shows only the name and part of the address of the sender. This is not much use of the sender is... (read more)
Written on: 19/04/2013 by neilduguid
No customer service whatsoever. Online works ok, so was just about worth it when 'Free for Life', but now they have decided to go back on their word on this and charge fees I suggest everyone should stay well clear Go elsewhere (read more)
Written on: 01/06/2012 by JohnHC
With the change to Santander I received a new debit card with my name wrong. Not spectacularly wrong - just a bit wrong. I rang up (8th May) and was told that they'ld send a new one. Today, 1st June, I have no new card and my old one has expired. So I ring up again. It appears that my new card with my correct name wasn't ordered (the reason my name had been changed was due to names on new cards - following the changeover - all being MANUALLY re-entered!!!); in any event I now apparently... (read more)
Written on: 16/05/2012 by hatari
I have had so many problems after A&L got taken over. Their customer service is non existent. They block off my internet access whenever they please especially when I transfer a larger than usual amount. Then to try and activate the account again, they ask you questions which are to do with transactions that may have taken place in the last 7 days. How the hell can you know these transactions when they have blocked off your website access,,, with a silly message that says "Due to planned... (read more)
Written on: 11/05/2011
The Alliance & Leicester business banking web service is pretty good but thats where it ends. They don't appear to have any concept of customer service. Staff are rude and/or unhelpful on the phone. You can use secure email via the website, but in my experience, if the problem is too hard for them (like "when will my account be closed?") they ignore the message or respond with something irrelevant. I spent 3 weeks monitoring my account and asking them when it would be closed - they... (read more)
Written on: 09/05/2011
This bank should be shut down and not allowed to operate, I am sure they will loose ALL customers and be out of business soon so move to another bank while you can! Made an international payment online and noticed they charged me more than the agreed GBP equivalent stated online, I called the international payments team at 9am to be told they are extra fees (£86) on top of the £25 transfer fee! I asked the lady to look at my online banking to see the GBP equivalent amount that should have... (read more)
Written on: 29/03/2011
Some of the reviews on here are frankly quite ridiculous; 'closed for inactivity after 18 months' and 'they charge you £5 if you don't pay in £1000 in any month'. These are meant to be reviews of a business current account - be realistic.
I opened our business account about 4 years ago and use it as such. It's a small business account and completely free. A couple of times in the first few months of opening I had to pay the £5 charge for not paying in £1000 that month, but that was clearly... (read more)
Written on: 14/03/2011
I've found a&l to be a great bank although our needs are fairly simple and we have a good credit history. We recently won a large contract and needed an overdraft facility to even out the feast and famine of expansion and it took one phone call a quick credit check and that was it the facility was active the next day. They are not without faults ie. Withdrawal limits on the cash line card are too low and the same can be said about the faster payment limit also I use the machine in the... (read more)
Written on: 28/01/2011
They were fine when it came to "automated business" like receiving my cheques and crediting my account. When it came to ad-hoc queries, they were not so good.
Recently I ran out of the pre-addressed (to Bootle) envelopes that I received when I opened my business account 12 months ago. I thought it would be a simple matter to just ask for some more, so I rang A&L up.
When you ring, you get immediately put on the security conveyor belt and don't get a chance to deviate from the script until... (read more)
Written on: 29/11/2010
Without doubt the best business bank, I have used bank of Scotland, tsb and clydesdale over the last 20 years in business. None hold a candle to a&l
Written on: 23/10/2010
PURE HATRED!! and other irrational connotations I have closed both Abbey national and Alliance and leicester accounts since the devil spawned putrid Santander came here and poisoned our high streets with their unadulterated filth. They make me want to puke my wretched guts up, gouge out my own eyes and stab dinner forks into my thighs!!! (read more)
Written on: 22/10/2010
Bank seem to be getting worse since taken over by Santander - always a struggle to get them to do anything and often feel like they believe it's their money that I want. Getting increasingly annoyed by their attitude, call centre staff vary considerably, some very helpful, others completely unhelpful and sometimes rude.
Customer service generally poor. (read more)
Written on: 20/08/2010
I have just come across this web site and was supprised to read all the negative comments made about the bank.
I changed from my big four bank due to the charges they were charging me as a sole trader.
I found it easy to change online and all the work was done for me.
If I dont pay in 1500.00 a month then they charge me 5.00 a month or less if I only pay in say 800.00 for that month and they pay good interest up to 1000.00 and I transfer the rest to my savings account monthly.
As for... (read more)
Written on: 26/07/2010 by valueicon (2 reviews written)
I switched to alliance and leicester bank recently following the £100 cash back offer. All was well for first two months and I ever had to talk to there customer services.
They advertise cheque clearing times and 4 working days in their terms of service given to you, but in fact if its a cheque over £1000 they take 7 working days to clear it (which they don't tell you in T and Cs. It's their way of stealing customers money for some days for free to earn some interest on high value... (read more)
Written on: 26/07/2010
Truly appalling service. I have felt like I have been trapped in a strange 'twilight zone'. The level of incompetence is truly staggering. I have been trying to open an account for 4 months and am now giving up. (read more)
Written on: 26/07/2010
Customer service? They don't know the meaning of it. Staffed by rude scousers with a surly attitude. Fast payments only up to £250 on a business account-ridiculous! They won't allow you to speak to someone in authority but they can ask someone to phone you back. They can't guarantee that they will. Quite frankly as a Bank, they don't cut it. Archaic systems all round and infuriating to deal with. My advice is don't do it. Spain is in the financial mire for a reason and my guess is their... (read more)
Written on: 23/07/2010
Alliance and Leicester are a complete joke as a Bank. They advertise a faster payment service on there website but fail to inform customers that the limit is a ridiculous £250 and only if you have transfered to the particular account before. Recently they have changed their IT systems and failed to inform their customers of the impact.If you now try to use there faster payment service it treats all payments as new and no longer recognises your payment history. This means that all new... (read more)
Written on: 01/07/2010 by lee82uk (2 reviews written)
We have always found Alliance & Leicester to be really good. Whenever we call them nothing is ever too much trouble and everything always seems to go to plan and on time.
Admittedly we didn't open our bank account directly with Alliance & Leicester, we got a very special business bank account deal from our merchant services provider, (http://www.retailmerchantservices.co.uk)and we're signed up to the affinity scheme meaning we get charged very little for our bank account and most... (read more)
Written on: 25/06/2010
Staffed by bad mannered robots! Their security questions on the phone are "What direct debits do you have, how much, who is the payee? etc". You need to have this information in your head, and if you can't answer there and then you "fail security". They don't want to help by asking another question, they just put the phone down on you!
Is this what they call "customer service"? (read more)
Written on: 24/06/2010
I was recommended by a friend for £25 credit in opening this account. This is the biggest mistake of my life to open A&L account, in different instances they charge me £25 for £5overdraft.
£200 for £4.35overdraft.Customer services is awefull,this bank dont even eligible for that star category.
Please guys dont even try this bank even they offer you £1000 beacuse they charge you for £10000 (read more)
Written on: 18/06/2010
Absolutely shocking! This bank is the worst I have ever dealt with! They take charges without even notifying you therefore making you overdrawn then they charge you again for not putting money in to cover the charges, therefore making you go further overdrawn - and still failing to notify you, until they send threatening letters out and you have incurred about £200 charges - I am tied into this bank at the min due to owed payments- but i would stay clear of this bank!!! The best banks are... (read more)
Written on: 02/06/2010 by gmtechnick (3 reviews written)
Simply awful online system that doesnt work with up to date information. Even if you make payments online it doesnt update the balance. Cheques take a week to clear and even then they can be withdrawn if unpaid. You cant pay in over the counter at branches, because it still goes off to Bootle in the post. Charges are not unreasonable in general, but no flexibility. Overdraft renewed without notice, and charged for of course.
Customer services are pleasant enough to talk to, but are unable to... (read more)
Written on: 01/06/2010
Terrible customer service experiences.
Told that internet banking information "can lag the actual information 5 hours" 5 HOURS??? This is 2010 not 1985!!!
Inward CHAPS transfers not appearing till 6pm or after on day they were supposed to.
Outward CHAPS transfers taking 2 days.
Whenever I speak to anyone in customer service it sounds like I'm talking to someone they've dragged off the street who is working from a bedsit. Constantly put on hold while they speak to supervisor. They're not... (read more)
Written on: 01/06/2010
I'm just in the process of finding a new bank for my business, because Alliance and Leicester decided to close my account for inactivity with no warning. I opened the account in Decemeber 2009, then got to work on building websites etc for the business. By the time i'm ready to use it, it's getting closed. Most people open a business bank account well before they actually start trading, so it's all there ready. You cant do that with the Alliance and Leicester!
They won't allow me to re-open... (read more)
Written on: 29/05/2010
Alliance & Leicester business bank are metamorphasising entirely into Santander, pushing their sensibly regulated in Spain line, to enable better provision of finance after the banking crash. However, this means nothing in practice and a healthy increasing turnover with good average balances, profitability, no late or failed payments, no CCJs no bankruptcies and little owed elsewhere, will not guarantee any finance.
Also, there is little on the statements to identify paymens and BACS booked... (read more)
Written on: 14/05/2010
I just received a letter saying my account was being closed due to inactivity. No negotiations, no would you like to keep it..........just closure.
I admitt the we had used most of the opening £1000 we deposited about 18 months . We are a limited company and we delayed trading untill the web venture was finished this month.
The Banks still charge high fees and don't value customers. Something has to change....as a business bank this is shocking.
There was no warning whatsoever. (read more)
Written on: 13/05/2010
Where, on this page, does it say that you will be charged £5 a month for your banking?
No, it says "2 years FREE and UNLIMITED day-to-day banking*". Read the * - it says "*Available to businesses with a turnover of less than £500k during the free banking period and trading for less than 6 months, even if you do not open, maintain or transfer a personal account".
But what actually happens is that once you open the... (read more)
Written on: 12/05/2010
Buisiness Current & Deposit Account
In comparison to other reviews my experience has been quite different.
I agree the paperwork processing to set up the accounts is a pain but as a professional I have some sympathy with other organisations who have to comply with money laundering regulations before they can repsond to customers need.
Once through this barrier I have found the system works well and have had no problems over the last 5 years, which has included transfering/closing accounts... (read more)
Written on: 18/03/2010
I applied for a business account over 4 weeks ago and simply nothing has happened! It says in there advert "We'll contact you within 5 days" but I heard nothing. Gave them a call after a week and they said "We've had a lot of applications from limited companies".
Tried again after 4 weeks - same story - no progression on the application at all. If this is how slow they are when they are trying to get your business I hate to think what they are like once you've joined!
In comparison I... (read more)
Written on: 16/03/2010
Their customer service staff are rude and have no idea about how to deliver customer service. I opened a current account with them and a couple of weeks later tried to open a deposit account. A full 6 months, lots of ignored emails and one incredibiliy rude and stupid call centre staff member later i still have no deposit account basically becuause their different centres do not talk to each other.
DO NOT USE A&L, they look cheap (that's how they got me) but you will regret it.
Written on: 15/03/2010
A terrible experince.
Internet bank ing has so many passwords it is impossible to use. This is further confounded by the complete lack of help given by branch staff. You can not pay in to your account in a branch, instead cheques must be posted to business department.
A misrable slogathon of dispare.
htttp://www.desktop-study.co.uk (read more)
Written on: 09/03/2010
Avoid at all costs!, or just take the cash incentive and then leave..we have had nothing but trouble and stress with this bank, the customer service telephone line is expensive and they do not carry simple forms in branch so a customer is given no alternative, an application to amend my account to a joint will take six weeks!, and they are unable to tell us if they have recieved the paperwork from the branch, Managers are never available to speak to and when I have been promised a call back... (read more)
Written on: 16/02/2010
10 working days to clear a cheque, no access to a branch so cheques must be lodged in a cash machine or posted. Posted cheques take another 4 working days. Insane. This bank is the worst option for small businesses which rely on cash flow. May Santander shut them all down and save us the grief. (read more)
Written on: 26/01/2010
On the 9th Jan got a letter dated 02 Jan asking for a photographic copy of drivers licence (the staff had copied the paper document) within 14 days.
I rang their help desk number to say that I was concerned about the time lapse and wanted to know that my application would still be processed OK. The help desk assured me that all was OK. So off I went to branch again on same day and once again gave them all the original documents to photocopy and send.
I have now receive a letter saying... (read more)
Written on: 16/12/2009
On the face of it the account looks attractive, but if you have to juggle your cashflow at all it is a nightmare. Cheques take 6 working days to clear because they go on donkey mail and you cant pay in over the counter anywhere. The online system doesnt update during the day at all so you have to do your own calculations on your balance. It doesnt even show the transactions you do online yourself so it is useless as a management tool. Customer service is powerless to help and seem constantly... (read more)
Written on: 01/10/2009
Alliance and Leicester Commercial Bank's Online banking is a disaster - over complex, several payments can be grouped into one transaction on the statement, leaving you to search out the individual transactions and work out which ones have been lumped together. The only way to have a running bank balance is to have daily online statements, which you can't just view on screen, they have to be viewed as PDF's wasting even more time. You can't see a running balance over a period of time unless... (read more)
Written on: 21/09/2009
I was first lured to Alliance and Leicester by their low business banking charges - my mistake. I have NEVER experienced such incompetency from a bank in my life - exceptionally poor & expensive customer service, mishandled accounts, missing payments, incorrect statements, long waiting times & poorly trained staff.
Please, steer well clear - the term 'you only get what you pay for' is well and truly highlighted with A and L business banking. (read more)
Written on: 10/06/2009
Having problems getting money transferred from Alliance & Leicester Business Bank Account online savings account to nominated 'Other/Non A&L' account. Their Website says A&L support Faster transfers (Same Day....Not True) as long as recipient bank does which mine does. There is no e-mail address or facility to send private e-mail to chase up (which you shouldn't have to do anyway) as is provided for example by many other banks. You are forced to use their 0845 tel no's that cost an arm and a... (read more)
Written on: 16/05/2009 by vclough (1 review written)
My business account hasn't even been set up yet and I have had so many problems with them already! First they got my address wrong, therefore sent all of my documents to someone else. Its been 3 weeks now and Im still waiting for the final passwords to be sent to me. The Alliance & Leicester Business Bank Account contact centre staff have useless too. (read more)
Written on: 23/04/2009 by champagne girl (1 review written)
All BACS payments etc are shown on my Alliance & Leicester Business Bank Account statement as a total for the day, not itemised, very impractical when checking your statement as you then have to total your invoices. So annoying I am going to close my account and transfer to the Co-op! I can't put up with this any longer! (read more)
Written on: 18/01/2009 by Jan1234 (1 review written)
Alliance & Leicester Business Bank Account is cheap to run. It costs about 20% of my previous Lloyds charges and I find the internet service quick and easy to use. I don't recognise any of the complaints given elsewhere and I have been using internet banking with Post Office deposits for nearly two years. (read more)
Written on: 07/01/2009 by jcnt (1 review written)
Applied to open account by post on 9th October. Account finally opened on 24th Nov (7 weeks later, although actual documents not received until December - no postmark, of course!). Paid in cheque immediately. Was charged 5.00 for "inactivity fee" in November even though we had no paying-in mechanism until December.
Interest rate catch BEWARE you only get 0.10% on your balance in excess over £1,000 right from Day 1. Whilst this clear when you finally get the Ts&Cs as part of your opening... (read more)
Written on: 03/01/2009
I don't remember being notified of large interest rate drops. Customer service say it is all my responsibility. Started with high interest on deposit accounts and now down to <1%. Will look elsewhere. (read more)
Written on: 23/09/2008 by fwymes (1 review written)
A&L are the worst bank I have ever dealt with. Having my business bank account with them is the biggest mistake I have made with my business, they have caused unacceptable stress and confusion, and time-wasting in my business. Customer service is non-existent. I have to call a Call Centre to get anything done. They don't seem to have any commercial sense and have frequently failed to carry out even the most simple of my requests. e.g - to cancel a direct debit, to send me new debit cards.... (read more)
Written on: 30/07/2008 by MISS J MOORBY (2 reviews written)
Alliance And Leicester dont let you transfer money from your business bank account. Told me it was transferred 4 times when it had not been. had to explain to 6 different people what they had done. I'm getting out of this bank. (read more)
Written on: 10/06/2008 by R1945 (2 reviews written)
Poor customer service. Can only contact through expensive telephone numbers. Takes ages for money deposited to be credited. Transferring money between Current and Savings accounts not instant. (read more)
Written on: 04/06/2008 by sarahbelkin
If you are after a good interest rate on your current account and low charges then I guess you can look at A&L.
If you want easy access and someone local to talk to, then look elsewhere.
If you want a company that is helpful, then look elsewhere.
If you are starting out HSBC do a cheaper account but with less interest and a good branch network (dont apply online to A&L (or you will get a MBNA credit card like it or not) or HSBC (as they loose your personal data in the internal mail). (read more)
Written on: 03/06/2008 by holyrood99 (1 review written)
Never having been in business it seemed that there were endless possibilities for opening a business account. Being cash based business (a pub) it was important that we had a branch close by to pay in our takings. There is a post office directly across the road from the pub so I did a bit of research and came across the Alliance and Leicester business builder which looked ideal. I have had no problems at all, apart from the debit card which easy a visa electron that few places accepted. All... (read more)
Written on: 24/04/2008
The Alliance & Leicester Business Bank Account website often does not function properly.
When you try to contact them by email you are timed out before you have time to type a short message (I am a fast typist).
Try calling on the phone and wait indefinitely.
If you do get through you get an operator who is hopeless.
When you ask to speak to a supervisor you can't.
When you request a call back from a supervisor you don't get one.
You are put back on hold at the slightest excuse.
There is no... (read more)
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As rated by real users
"8 weeks, no access, no explana..." Read More
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