Alliance & Leicester Premier Current Account

Advantages: £100 bonus, Free travel insurance, on-line application
Disadvantages: None apparent as yet.

...So far - so good! Alliance & Leicester Premier Current Account I decided that it was about time I looked around to see if I could get a better deal from my bank, having spent 20+ years with the same major player, more out of apathy than loyalty. I did a bit of research and found that I could open the Alliance and Leicester Premier Current Account on-line and if I used their Premier Switching service to move my direct debits and standing orders, they would match my overdraft limit with my current bank, subject to certain conditions, give me a minimum overdraft of £250 and not charge me any fees for going over my overdraft limit during the switching period. Additional benefits are £100 for opening my account, FREE European annual multi-trip travel insurance(for eligible account holders up to the age of 65) and a linked Plus...

anne106 31.07.2008 · Read review
Ciao members have rated this review on average helpful
Review of Alliance & Leicester Accounts

ALLIANCE AND LEICESTER CAR PURCHASE PLAN

Advantages: lower monthly repayments and flexibility
Disadvantages: interest paid off first

...A couple of years ago when changing my car I took out a loan from Alliance & Leicester. It was at a competetive apr and was with a deferred amount of £1500 to be repaid at the end of the term. This brought down the monthly repayments to a more affordable level while still enjoying the greater buying power of an extra £1500. Obviously you`re paying interest on that money but not paying it back within your monthly repayments. The idea is that at the end of the loan term you sell your car to pay the deferred amount back and then take another loan out doing the same thing again. It`s not a bad idea because most people would look to upgrade after three or four years anyway so you can drive around in a better car for that time. Alternatively you could pay back the deferred amount with some other means and keep the car or carry on with the same...

xyster 16.04.2001 · Read review
Ciao members have rated this review on average helpful
Review of Alliance & Leicester Loans

Alliance and Leicester? Never ever again!

Advantages: Competitive interest rate
Disadvantages: Unfriendly literature, unhelpful staff, website difficult to use

...I was attracted to the Alliance and Leicester's 'Online Saver' account because of the relatively high interest rate offered. Today when I checked, the interest rate is 5.35% which is higher than most of the mainstream competition. I applied for this account online via their website. I find their home page almost assaults the eye; it's as though they want to shout about every link on there and ultimately it's just too much and in my opinion it looks 'cheap'. It didn't take too long to complete the application form and about seven days later the account was set up. To notify me that my new account was ready, I received two letters through the post, one letter had a pin number and the other letter a username so that I could login. There was a minimal amount of detail in the letter, just barely enough instructions to get you logged in...

pony111 08.04.2005 · Read review
Ciao members have rated this review on average helpful
Review of Alliance & Leicester Online Banking

Alliance And Leicester The Worst Bank

Advantages: QUICK ACCESS TO CASH
Disadvantages: THE WORST CUSTOMER SERVICE

...I have been an Alliance And Leicester/Giro Bank customer for just over one year. The standard of Customer Service has dropped since i have been banking with them.When i transfered my bank account from HSBC they were only too happy to get me signed up for their UNDER 18 VISA ELECTRON DEBIT CARD ACCOUNT. The account is probably the best around, better than SOLO and SWITCH. The bank offers you competitive rate of interest which is variable and can change from time to time and at present that rate is 3.90% Gross AER.Interest is added to the account each month depending on when you order your statements. The other benefits of the account its self is that you can withdraw upto £250 a day from any cash machine without being charged by using the other banks ATM (Automatic Teller Machine). You can check your account balance by either Mobile...

greyowl 23.03.2003 (24.03.2003) · Read review
Ciao members have rated this review on average helpful
Review of Alliance & Leicester Accounts

The Alliance and Leicester Didn't want my money

Advantages: Can with draw money from rural post offices
Disadvantages: If you live in a rural area and don't have an account you stuck!

...I come from a rural area where post offices are literally the only way to bank, since selling my car its either walk to the nearest town or use the post office. Yet dispite this fact the Alliance and Leicester have refused to let me open a bank account with them on two occasions. I even explained to them the only way I can get cash in an emergency is at my local post office, yet they did not want to know. The only debts I have are student loans, I have a full time job, I didn't even apply for an overdraft or cheque book facilities. Is there some thing else I don't know about. The first time I applied to them fair enough I was straight out of university and only had a temporary job, but two years later with a full time job, what is wrong with these people? I is hard enough surviving in rural areas if you don't have easy access to...

Gemimathecat 08.08.2000 · Read review
Ciao members have rated this review on average helpful
Review of Alliance & Leicester

Change of Alliance.

Advantages: Friendly local help, internet and phone access to account.
Disadvantages: Slow to process cheques.

...Up to about 14 months ago we banked with a different bank. The cheque card guarantee was only £50, and there was no switch card facility.We eventually found out that they were not opening any new current accounts and that they were concentrating on the loan side of their business - it was time for a change. I had been checking out quite a few local banks , I was much more disenchanted with the bank than my husband. Neither of us are fans of the big banks. So eventually we decided on the Alliance and Leicester (A&L). I had made an enquiry about charity accounts earlier that year as well as ISA's and on both occasions they had been very helpful. We also wanted to change our mortgage so we decided to ask about this as well. We ended up changing both to the A&L. But more about the mortgage for another op. maybe...

SueLiz 23.12.2002 · Read review
Ciao members have rated this review on average helpful
Review of Alliance & Leicester Accounts

Alliance & Leicester terrible customer service

Advantages: telephone banking
Disadvantages: low skilled unhelpful service

......

simonturton 13.03.2008 · Read review
Ciao members have rated this review on average helpful
Review of Alliance & Leicester

Unacceptable Service

Advantages: None Apparent
Disadvantages: Service slow and grossly inefficient

...Santander/Alliance & Leicester are the most incompetent and unresponsive organization I have ever encountered. They are incapable of handling simple processes like change of address, share sales, or transfers between accounts without making a series of basic errors. Communication between our local branch and the various parts of Alliance & Leicester head offices is hit and miss, to say the least. Their Complaints Procedure and "Customer Service" are a sick joke. I am still waiting after more than six weeks to find out how they managed to "misplace" £40,000 by transferring it from an ISA to an account they had closed (against my express wishes). I am also still waiting for interest due from three months ago. As GIROBANK it was very good, but each successive takeover has resulted in worsening the level of service. My father, my...

mcmlxiii 26.06.2009 · Read review
Ciao members have rated this review on average helpful
Review of Alliance & Leicester

Mixed feelings

Advantages: Internet banking very easy to use
Disadvantages: Loyalty not necessarily rewarded

..., and have never once been in arrears, so Alliance Leicester surely lost out there. So why do I stay with them? Partly because I find their internet banking service so easy and convenient to use. As I have an Apple Mac without Internet Explorer (I use Safari), I am afraid that if I switch banks I might not be able to use the website. I have a business account with the Co-op Bank, and have not been able to use their internet banking service at all. Internet Banking is a service that I would find it difficult to be without, as it is so easy to pay credit card bills and transfer money between accounts. I have an Online Saver account with Alliance Leicester that does pay a relatively decent rate of interest. Both my sons have joint Alliance Leicester Easysaver accounts with me, and by registering them online I can make instant transfers between...

denella 01.10.2006 · Read review
Ciao members have rated this review on average helpful
Review of Alliance & Leicester

High Interest that lost MY Interest.

Advantages: Good rates
Disadvantages: Hurrendous service and efficiency

...The Alliance and Leicester is a UK bank. It was formed in 1977 by the floatation of the former Alliance Leicester Building society on the London Stock Exchange. I wanted to take advantage of the offer of free worldwide annual travel insurance and the £25 me and my friend would get if he reffered me as a new customer. Switching banks is a thing most people think is troublesome and complicated. It simply is not, and most banks now have a switcher service where they do all the work for you and you don't have to lift a finger. I was formerly with the Abbey. The Abbey had done nothing inparticular to offend or upset me as a customer, but for a higher interest rate and the above mentione offers, I thought I might as well make the shift to A&L. ~Products and Services~ Like most banks, Alliance offer mortgages, savings accounts...

mi_ke 29.02.2008 · Read review
Ciao members have rated this review on average helpful
Review of Alliance & Leicester