Clydesdale Bank

Clydesdale Bank

... You see, Clydesdale doesnt offer me gimmicks or 0% on transfers but we sting you elsewhere. Instead they offer you a steady service, everything carries a low charge (but nothing is passed) and I am not unfairly penalised for doing something wrong. I also get excellent service and things ... Read review

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1-5 of 11 reviews of Clydesdale Bank Show all reviews

EXCELLENT SERVICE, NOT THE BEST RATES

Advantages: Their basic account takes you no matter what and comes with an online card
Disadvantages: The interest rates are not the best, but not the worst either.

...don't bother. You see, Clydesdale doesnt offer me gimmicks or 0% on transfers but we sting you elsewhere. Instead they offer you a steady service, everything carries a low charge (but nothing is passed) and I am not unfairly penalised for doing something wrong. I also get excellent service and things explained to me in English (not Indian!). Interested? Read on...

HISTORY LESSON:

I know we all like history, so let's ...
...the rise of Clydesdale Bank.

Clydesdale Bank was founded in 1838 with a head office in Glasgow and a single branch in Edinburgh. Since this original format, they have grown to become one of the biggest banks in Scotland. They even issue their own notes!

Indeed, Clydesdale was one of the pioneers of the cheque guarantee card, personal loans and mobile branches.

As the bank's early profits were generated ... more

gf6141a20 28.06.2006 (28.06.2006)
Ciao members have rated this review on average: very helpful
Review of Clydesdale Bank

Staff courtesy

Promptness of service

Efficiency of service

Competitiveness of char...

Online - Content/organi...

Online - Reliability/sp...

Online - Ease of applyi...

Online - Investment tra...

A bank is only as good as its branch manager

Advantages: The small branches can give you personal service
Disadvantages: Location not always convenient

...so hacked off with the Clydesdale Bank that I could... I don't know what I could do. And anyway, it's probably illegal to threaten people on the Internet. It's just as well that I'm currently in India and not in Elgin, otherwise there would be an almighty scene there. Here's what's happened. I have just returned from a two week holiday in Thailand and due to various mix-ups caused by moving house, not getting mail on time etc, etc, it seems that ...
...elsewhere. What a bloody hassle. Clydesdale Bank goes into Room 101 along with Capital One, the editor of BBC Good Food, Delia Smith, and cockroaches. Phew, I'm starting to feel better already. THE ORIGINAL OP (unedited)... This is my first shot with Ciao - please forgive any errors. I first started banking with Clydesdale about ten years ago. I chose them because they had a branch which was convenient for me. Since then, I've travelled extensively, ...

stravaig 20.01.2001 (05.10.2001) · Read full review
Ciao members have rated this review on average: very helpful
Review of Clydesdale Bank

Staff courtesy

Promptness of service

Efficiency of service

Competitiveness of char...

Loyal customers means nothing to this bank

Advantages: They don't charge for their ATMs
Disadvantages: Rubbish rates, rubbish service, closed branches & ATMs

I have been with the Clydesdale bank since I was at school in the early 1970s, the word 'loyal customer' obviously doesn't mean anything whatsoever to a bank. My current account last year earned me a huge 12p of interest after tax!! That is after paying my wages into this account every month & keeping about £1000 of emergency cash in the account all the time. I recently moved to the Bank of Scotland who is paying over 6% gross for the same type ...
...left!!!! The Clydesdale bank have closed so many branches in recent years, closed their ATMs & closed their customer information counters so you now need to queue up for about 20 minutes to ask a simple question to a teller. When you eventually reach the teller they are more interested in asking you if you want a loan or mortgage or both than to deal with your problem. Their ATMs were constantly empty & never topped up for days. On one occasion ...

ScottishWestie 22.10.2007 · Read full review
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Review of Clydesdale Bank

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Efficiency of service

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International Banking? What's that?

Advantages: Can't think of any
Disadvantages: Still live in 19th century

I have banked with Clydesdale for about 1 1/2 months - and that was enough. After my wife and I moved to Scotland from Australia we shopped around for a current account and ended up at Clydesdale. They seemed to be the easiest going and least paperwork fanatic. Which was true until we actually wanted to use our account. We received our tax return cheques from Australia (which were issued by the Australian Tax Office and drawn at the Federal Reserve ...
...whom I also reminded that Clydesdale is actually owned by National Australia Bank, so it shouldn't be too much hassle to accept a cheque made out in Australian Dollars (especially since the cheques were basically issued by the Australian Government, which should be considered guarantee enough for an amount of about AU$1500.00). But to no avail. I ended up having to send the cheques back to Australia and pay them into our Credit Card account, which ...

saxon 11.11.2000 · Read full review
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Review of Clydesdale Bank

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Clydesdale - little to commend

Advantages: none
Disadvantages: low interest, high charges, very inflexible

...have been a customer of Clydesdale bank for about 13 years, and for the first 10 or so, I was very happy with the service. However, they have been slow(!) - actually done nothing - to keep pace with internet services. They do have a reasonable telephone banking service and I make full use of that and find it mostly to be very good but given the money I have had with them over the years, they are very stingy with their interest and extremely quick ...
...even marginally cross one of their lines! I simply have got fed up with always having to phone up and go through a lot of hassle to complain about the unreasonable charging structure and the fact that (although my wife and I have 5 accounts with them) they do not recognise balances in the other 4 accounts but charge us if one is overdrawn. Similarly if we transfer money between their accounts we "lose" the money for the standard 4 working days and ...

haconsulting 04.04.2001 · Read full review
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Review of Clydesdale Bank

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Pay-In Point Service Shock

Advantages: Speed
Disadvantages: Got To Watch Your Transactions Like A Hawk

...gone wrong. I phoned the Clydesdale and told them what I thought had happened was that the cash had gone through as a cheque causing my relation to be debited £175, they denied this was possible as it would have been picked up at the end of the day on which the money was paid in. Needless to say after another 5 days they found the pay in slip and confirmed the mistake. They never made any payment for lost interest to my relation who had in effect ...

Union 15.03.2001 · Read full review
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Review of Clydesdale Bank

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Clydesdale Bank PLC

Advantages: None if you like to keep your money
Disadvantages: This bank losses your money faster than you earn it

I have recently had no end of problems with the clydesdale bank plc. It all started when I opened a second account with them to make sure that all my bills got payed on time, without me spending any of the money by mistake. Very good thing to do you may say, but when the first month passed and I was inundated with reminders from several companies to whom I now owed money. I gave the bank the beniffit of my doubt with it being the first month of the account being open. Big mistake on my behalf as I sorted every thing out just before I went to work overseas for the next few months. by the time I got back I owed several companies money again as well as the bank charges that I had encoured while I was away. Now when I set up the account I made sure that there was more than enough money going into the account every month so that when I ...

squibby 19.11.2000 · Read full review
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More money for me - Yippee

Advantages: Reduce interest paid by thousands and pay mortgage off years earlier
Disadvantages: You could lose control of your finances

- stretching us to above our maximum. Normally I would not have entertained this but the house was too good an opportunity to miss and we knew that we would not have to move again. So there we were back to a 25 year mortgage hanging round our necks. I decided to take it out on the variable rate initially so that I could investigate everything that was on the market. I have now come up with this little gem - the Clydesdale Bank Rapid Repay. This little beauty seemed to be perfect and after reading all about it I set about getting quotes from my local branch. I could hardly believe the quotation I received and actually queried it with them to ensure no mistakes had been made. I was assured that it was correct. In effect I could save over £20,000 on the overall interest and reduce my mortgage term by almost half. Yippee, I could have my ...

lorrmid 03.03.2003 · Read full review
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Review of Clydesdale Bank Mortgages

Banking Malpractice

Advantages: None
Disadvantages: Many

important cheques which I had discussed with them by prior agreement. In other words, I could pay the rent, but not buy that pair of boots that I saw as an equally important need. "We're trying to understand customer needs better" she told me. I replied that they certainly needed to, and it was only sloth that had kept me from moving my enormous overdraft elsewhere. So...yes, they do still charge for every transaction, and yes, I probably WOULD still be better off elsewhere, but I now have a trust relationship with someone at Piccadilly Circus, and need never lose sleep about paying essential bills again. In short, if you are looking for a bank, they are worth talking to, but give them a hard time, otherwise they could end up shafting you. UPDATE - 13 SEPTEMBER 2002 I still had my personal account with the Clydesdale (no real ...

Zoe_South 23.05.2002 (29.09.2003) · Read full review
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