Worst bank i have ever been with. Twice in one year my current account had a security breach, which resulted in my card being cancelled and having no access to money until new card arrived 7 days later, Both times i had a message to say to ring the fraud department ASAP and both times i could not get through and when i eventually did got told there was no-one there to speak to me - the 2nd time i actually demanded i speak to someone that night as I did not want to wait days again to find out why the fraud department was ringing me. Worst bank ever and worst customer service ever...save yourself some stress and go someone else. And also the person i spoke to on the phone admitted their security was not as high as other banks!