Clydesdale Bank

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 get right into the nitty gritty ...
...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 from Scottish traders in the 19th century, they grew to know what business ... Read review

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, ... Read review

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 ... Read review

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 ... Read review

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 ... Read review