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Easy access to bank statements but don't try the call centre
Member Name: rolandrat
Advantages: Easy access to statements
Disadvantages: Indian Call Centre
---Why I Use This---
.Being way out in the countryside and with no close branches I have been in a way forced to use online banking as a way of accessing my accounts and finding out what my up-to-dae balances are.
Barclays - I have been with them for over 30 years now - mainly because I had an account opened for me by my grandfather - and I have never bothered to move. They do say people very seldom change their banks - unles something dreadful has happened in your account.
An online website to allow you access to your accounts, which allows you to open online savings acocunts and also apply for a loan.
I get weekly and monthly bank statements by post to keep abreast of how our accounts are doing - mainly because with lots of standing orders ging out you need to make sure there is money there to service them.
However there are times when you need to see the state of your accounts in-between times - or when your bank statement desn't arrive.
Over the years I pretty much gave up with using on-line banking as I kept getting blocked out of my accounts. I would ring (India) for a mew passcode - only for that still not to work - so in the end I just gave up - which did seem silly but I could find no way around it.
Luckily they then introduced little PINsentry card machines that we got sent out. I was not very keen to bother trying these as I had had so much bother in the past. It is tedious - you enter your card and then pin in your four diget code. You press 'identify' and you then get given eight numbers - these numbers are keyed into their website - along with a membership number - much more fiddly that using the Barclayard website which I have never had any problems with.
However (touch wood) I am now able to access my accounts and it is good to know how they are doing and if payments have gone in on time - I have even started up an online savings account very easily with £5 going over from another acount - this was done with just a few clicks.
I would not wnat to go 'paperless' as they are trying to get everyone to do incase I ever got locked out again - but for he last few months this has been working fine and is much quicker than waiting for my statement in the post.
I think the Barclays call centre in India must be notorious as I now refuse to ring them at all - you never get any help and my heart would sink every time I tried to make myself undrstood. I was at one time left with a frozen card after using the wrong pin number - after numerous calls - where they kept telling me it was not frozen, failed to sort the problem - I could not access my money and they advised I should transfer money into my son's acount for him to get out for me!
However although on your bank statements there is only one central number to ring I have now obtained two numbers for fairly local branches in the UK so if I have a problem I just ring direct and hey are most helpful - being mostly stuck at home I cannot easily visit branches.
3 stars - it works OK now but I have had lots of trouble getting into my accounts in the past.
---Would I Recommend?---
Yes, but probably no better or worse than other online banking.
Summary: OK when its working