They are unable to provide me with online banking because they have faulty IT platforms and yet they will not let me change provider without paying ridiculously high exit fees (much higher than other banks!) If they were adequate, they would not have to charge such high exit fees because people would not want to leave them! As it stands, they get away with being very inefficient at everything and nobody bothers to go through the hassle of trying to change providers! They keep pretending to try to resolve my issue by calling me during working hours to talk about it and go over the exact same things again and again. Trying out the exact same process that I have already tried online. They do this so that I do not escalate. If everything else is the same, try out another bank instead. you will save yourself a lot of distress and time (Their exit fees are ridiculous because they know that their online system is awful) Account reference: 84361762