Is it possible to give this a minus star review! Possibly the worst bank I have ever had the displeasure of dealing with. I honestly don't even know where to start with the list. Talk about make it difficult to send/receive money, they put barriers up at every turn and charge you for the inconvenience. Even when money finally 'cleared' in my account, they told me it hadn't and the account had been locked down, making it inaccessible to myself and my business partner. The money was rightfully paid to our account and CardOne banking were withholding it. The customer services team were less than helpful, with the calls to their helpline being expensive and charged astronomically for having to call them to sort it out! They don't update you with details of your account being put on lock down and I was told they can't call everyone! No - but Natwest or HSBC can notify you by email - what a revolutionary idea! Even when money shows as cleared, you are then told it they are withholding it and every cheque, money transfer, BACS etc is convoluted, takes days to clear at a cost implication to yourself and the process is far from user friendly. I would not rate this bank in the slightest. Additionally, my colleague phoned for assistance with the online account and it took nearly 2 weeks for them to send another password letter out meaning she was unable to move money or pay herself until such time as receiving new login details. The cheque books cost you money for issuing if you require more than one and not to mention that you can't pay in cheques over £500 in any one week which is not conducive to working with a client who insist on paying by cheque only. Cheques also take a whopping 8 working days to clear extending the standard cheque clearing time by 3 or more days! When my client paid money into my account they negated to provide all the beneficiary details and consequently CardOne locked my account and were asking to see all invoices for the amount paid in. This is completely unnecessary and unjustifiable. So long as the client could agree the money was rightfully placed in our account and confirm the figure of money, there should be absolutely no need to send each and every invoice to justify payment! What a ridiculous tedious and massively unnecessary process just to be paid the money you are owed! AVOID AVOID AVOID!