Who does the best online Banking (website, ease of use etc) in your experience?

[Saracen]

Danske Banks online experience is definitely the best I have experienced. The UK uses the same setup/award winning apps as over here in Denmark.

http://www.danskebank.co.uk/en-gb/Personal/ways-to-bank

If you don't need to visit branches (they based in NI) then well worth taking a look.

However, they are not authorised by the FCA in the UK, but operate by virtue of being "passported" in under "EEA Authorised" rules. So anyone UK-based thinking of using them would be well-advised to check very carefully who backstops things like current account deposits. Do you have access to the Financial Ombudsman in the event of a problem, or is it the Danish regulator? Does the FCA's FSCS scheme cover such deposits, as it does with FCA regulated banks? And so on.

Obviously, that's (presumably) not much of a concern to Danish citizens, or residents, but my advice to any UK citizens or residents would be to think through VERY CAREFULLY using any bank that's not FCA regulated and FSCS protected.

It's not necessarily a bad idea. I had a bank account for years that was neither FCA or EEA regulated. But that was in different economic times. Just .... be careful.

[WellofSouls]

I'm a fan of Santander's online banking. Definitely the quickest to get onto and navigate (comparing to TSB and Virgin Money). I would say Virgin have the worst banking in terms of accessibility (no apps) and uptime, it seems to be under maintenance every week or so.

[Tumble]

Used IOM Bank (which is basically Natwest with different colours) - that was decent. Lloyd's Offshore, which is basic, but works reliably and quickly. On Halifax now - I do like the feature on the desktop site where you have a picture of any cards associated with the account next to the number. Makes it very easy to see what's what at a glance.

[shakerist]

Barclays - Cluttered interface
HSBC Business - I hate it , just seems hard to find what you want, awkward to use.
Llyods/ Halifax - I believe halifax is owned by llyods, correct me if im wrong, but they both have the same clean, simple looking interface my fav out of the UK banks.
Türkiye İş Bankası - By far the best experiance ive had, very well thought out interface and I get brilliant exchange rates

They all get the job done, apart from maybe HSBC

[Barrichello]

However, they are not authorised by the FCA in the UK, but operate by virtue of being "passported" in under "EEA Authorised" rules. So anyone UK-based thinking of using them would be well-advised to check very carefully who backstops things like current account deposits. Do you have access to the Financial Ombudsman in the event of a problem, or is it the Danish regulator? Does the FCA's FSCS scheme cover such deposits, as it does with FCA regulated banks? And so on.

Obviously, that's (presumably) not much of a concern to Danish citizens, or residents, but my advice to any UK citizens or residents would be to think through VERY CAREFULLY using any bank that's not FCA regulated and FSCS protected.

It's not necessarily a bad idea. I had a bank account for years that was neither FCA or EEA regulated. But that was in different economic times. Just .... be careful.

Yes its fscs protected....

http://www.danskebank.co.uk/en-gb/Ab...fscs-info.aspx

Your eligible deposits with Northern Bank Limited trading as Danske Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit protection scheme.

[ehhhhhhh]

Online banking? pfff.

Bitcoin FTW.

[LiverpoolsNo9]

I really like Lloyds online banking, but I have nothing to compare it with as far as UK banks.

[dannyheath]

With my experience I have use barclays and Halifax I think barclays easy to use and have everything you need

[jackocurly0074]

Having used a few I think that Santander is probably my favourite, followed by Halifax. HSBC and First Direct both use very similar layout and can be quite irritating to use as is long overdue an update! Perhaps one of the more useful features with Santander is the ability to send a message direct to them and t hey are quite prompt at addressing queries, less time spent waiting on the phone or in branch.

Guess could do to try out Barclays / Natwest but for now I don't think the available accounts would really benefit me over my existing account.