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Fleming Premier Banking

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  • Just been taken over
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      19.05.2001 09:04
      Very helpful



      • "Just been taken over"

      We have had the marital joint account with Fleming for more years than I care to remember - we've had others, jointly and separately, but how often we have remarked that Flemings, unlike any other, have never made a mistake on our account! When we first joined, it was Robert Fleming High Interest Account and the interest rate was then above average. Not any more! So surplus (ho ho!) cash is diverted elsewhere - but as a current account, it is still great. To arrange direct debits, check balance, ask any questions, you just need to call a freefone number. There is rarely any waiting and you speak to real, live, knowledgeable, friendly people. Online banking is not yet available, though there was hope for it earlier in the year. We haven't found this any disadvantage though, bearing in mind the aforementioned telephone service - and freepost for depositing cheques etc. Because there are no branches, postal delay means it may take a bit longer to get a cheque to them - but they seem to be cleared quicker than those I have heard horror stories about. In earlier years, they had arrangements with most High Street banks and you could pay in almost anywhere. I think it's now down to Royal Bank of Scotland. But one of its best points is its Visa card - it may not suit everyone, because it needs to be remembered that this is a debit, not a credit, card and therefore does not carry all the credit guarantees etc. Indeed we use a different credit card for normal purchasing - on which Fleming nobly carry out the direct debit! But as a cash card - provided you withdraw a minimum of £50, there are no charges whatsoever - not even abroad! When the transaction reaches Fleming, it is debited at the exchange rate then - no front loading for exchange, withdrawal or owt else. But, again, bear in mind that it is debited - at the end of the month received, so there can be 30 or more days' grace - so there is no question
      of minimum repayments and interest etc. (Different story if you hold their card unconnected to an account - I believe it is a fairly high interest rate) Fairly early on, Fleming took over Save and Prosper; seemed to be growing well. More recently, it was taken over by JP Morgan - it doesn't seem to have made any difference yet. But today we received a letter to say that JP Morgan are selling off Fleming Premier Banking to Abbey National. Oh woe! They say it will be under the same management and will improve their range/services etc - but that remains to be seen. I have a feeling I will be reading lots of dooyoo opinions to find another bank


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