Good for students or anyone who needs to keep track of their money! (lloydstsb.co.uk)

Member Name: ZarZar1990

Product:	lloydstsb.co.uk
Date:	22/09/09 (25 review reads)
Rating:

Advantages: Wide range of useful features.

Disadvantages: none I've noticed!

I signed up to Lloyds TSB online about 2 years ago roughly.
I can honestly say that it has been a bit of a godsend ever since.
It started off just helping me check my balances when I was 17, check I'd been paid, see how much money I had before going on a night out or checking my phone bill had come out.

As time went by I became a student and it let me apply for an interest free student over draft online which was really helpful, as it meant I didn't have to physically go into the bank to sort it out which saved me a lot of time and effort.

When I needed a loan to purchase a car, again, Lloyds tsb online let me apply for it online, which meant the money was in my bank account instantly.

You can also set up and cancel direct debits online instantly, create savings accounts and see online statements, theres also a free mobile phone service where they text you your balance each week.

You can also upgrade and downgrade your account online.

I have set up two savers account, an online saver which is where I keep the money for the repayment of my loan, which is because the online saver does not lose you any interest to withdraw money from, so its a good place to put aside money that needs paying out so you don't spend it.

Then there is the incentive saver which I set up recently, where I put bits and bobs of money so that I can save up and gain interest as its 3% interest as long as I don't withdraw anything on a monthly basis.

I'd definately recommend Lloyds tsb online to anyone, as I've had no problems with them at all and it's always useful to quickly log on and see my balance.

Summary: Fantastic service!