I use this bank with a basic card cash account which offers no overdraft facility mainly because , at the present moment being a post grad student funds are a bit tight , I will comment on my on-line experience and the experience of using the branch in Paisley

I opened this account as some where to get my student loans pittance paid into when I was an undergraduate and didn't want any over drafts or to get into debt , the account opening was quite straight forward , and is available to almost any one , which allows those with low or poor credit ratings to get a bank account , with a multi function maestro card , with the minimum of hassle , this account also offers on line banking which I use very often and am impressed with the fact you can ( at last) now transfer money between various external bank accounts and send payments to other accounts on the same day.

The online banking requires registration and is done separately from opening any kind of bank account , and after registering takes about a week to get all your details through , the bank card arrived some 3 days after opening the bank account at the branch , which I thought was quite quick , the pin number followed two days later , I should make clear this account is not able to be opened on line and you are required to make an appointment with the branch to open it

Unlike other banks , basic accounts you can use your debit card at any hole in the wall cash machine , I have a Lloyds basic card , and the debit card for this account only allows you to withdraw money from their machines which is quite limiting , the other benefit of the Clydesdale account is that the maestro card can be used abroad , of course always tell your bank when your abroad so you can use your card or you may find some embarrassment ( but thats a different review !)

I find that setting up Direct debits and making payments is far easier on line than using the phone banking service or going into the branch where they always try to sell you some thing , however when I lost my card the phone banking service was very quick in sending out a new card within 2 days

The only negative comment I have is that when I tried to set up a savings account , I called the phone banking service to be told I would be called back , Im still waiting on the return call , and because of that set up the savings account with another bank