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Packaged and Current Accounts - UK - July 2014

“Tesco Bank has finally launched its current account offering. The account performs strongly in a number of areas, and will offer clients the chance to earn interest on balances. One of the main attractions of the newly launched account is the link to Clubcard points."

– Stevan Obradovic, Financial Services Analyst

This report looks at the following issues:

  • Tesco Bank finally enters the market
  • Offering customers the chance to choose the perks on their account
  • Impact of branch closures on consumers and switching behaviour

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Table of contents

  1. Introduction

      • Report scope and product definitions
        • Abbreviations
        • Executive Summary

            • The market
              • Number of current accounts remains relatively stable
                • Figure 1: Estimated number of current accounts and current account holders – UK, 2014
              • Market factors
                • Current Account Switch Service gets off to a good start
                  • In-depth current account comparison service to launch in 2015
                    • Complaints about packaged current account surge in 2013/14
                      • Overdraft market under further investigation by the FCA
                        • Companies, brands and innovations
                          • Several firms vying for the top spot in the current account market
                            • Figure 2: Top 10 current account providers, by share of main current account market, May 2014
                          • Co-op Bank’s image suffers due to high-profile issues
                            • Figure 3: Attitudes towards and usage of brands in the packaged and current accounts sector, April 2014
                          • Who’s innovating?
                            • The consumer
                              • Ownership by type of current account
                                • Figure 4: Type of current account held, May 2014
                              • Attitudes towards paid-for current accounts
                                • Figure 5: Attitudes towards premium and packaged accounts, May 2014
                              • Most popular features and benefits of paid-for accounts
                                • Figure 6: Desirable features of paid-for current accounts, May 2014
                              • Current account switching activity
                                • Figure 7: Main current account switching activity, May 2014
                              • Motivation for current account switching activity
                                • Figure 8: Reasons why consumers have moved their current account in the last five years, May 2014
                              • What we think
                              • Issues and Insights

                                  • Tesco Bank finally enters the market
                                    • The facts
                                      • The implications
                                        • Offering customers the chance to choose the perks on their account
                                          • The facts
                                            • The implications
                                              • Impact of branch closures on consumers and switching behaviour
                                                • The facts
                                                  • The implications
                                                  • Trend Application

                                                    • A la carte current accounts
                                                      • The human touch
                                                        • Mintel Futures: Brand Intervention
                                                        • Market Drivers

                                                          • Key points
                                                            • Current Account Switch Service launched in September 2013
                                                              • Comparing current accounts will become easier in 2015
                                                                • Complaints about packaged accounts up significantly
                                                                  • Figure 9: Number of new complaints about current accounts to the FOS, 2012/13-2013/14
                                                                • Banks making changes to their packaged account offerings
                                                                  • Tesco Bank finally launches current account offering…
                                                                    • …with others also set to enter the market
                                                                      • FCA examines the overdraft market with potential measures to be unveiled in late 2014
                                                                        • Overdraft rates remain high despite low BoE base rate
                                                                          • Figure 10: Average monthly overdraft interest rate, three-month LIBOR and official bank rate, January 2009 – March 2014
                                                                        • Retail deposit balances up slightly in 2013
                                                                          • Figure 11: Retail savings balances from households, by sector, 2004-13
                                                                      • Who’s Innovating?

                                                                        • Key points
                                                                          • Club Lloyds part of Lloyds Bank’s new current account offerings
                                                                            • M&S Bank launches its first fee-free current account
                                                                              • Tesco Bank finally enters the fray and will offer Clubcard points on spending
                                                                                • TSB wants customers to try out the re-launched bank
                                                                                  • Cashback and rewards launched by several firms
                                                                                  • Market Size

                                                                                    • Key points
                                                                                      • Number of current accounts remains relatively stable
                                                                                        • Figure 12: Estimated number of current accounts and current account holders – UK, 2013 and 2014
                                                                                      • Only a minority have paid-for packaged/premium accounts
                                                                                        • Figure 13: Type of current account held, May 2014
                                                                                    • Market Share

                                                                                      • Key points
                                                                                        • Several brands jostling for top position in the current account market
                                                                                          • Figure 14: Current account provider rankings, by share of main current account market, May 2014
                                                                                      • Companies and Products

                                                                                        • Lloyds Banking Group
                                                                                          • Company description
                                                                                            • Distribution mix
                                                                                              • Recent financial performance
                                                                                                • Figure 15: Key annual financial data for Lloyds Banking Group, 2012 and 2013
                                                                                              • Recent and marketing activity
                                                                                                • Barclays
                                                                                                  • Company description
                                                                                                    • Distribution mix
                                                                                                      • Recent financial performance
                                                                                                        • Figure 16: Key annual financial data for Barclays Plc, 2012 and 2013
                                                                                                      • Recent and marketing activity
                                                                                                        • Nationwide
                                                                                                          • Company description
                                                                                                            • Distribution mix
                                                                                                              • Recent financial performance
                                                                                                                • Figure 17: Key interim financial data for Nationwide Building Society, 2012/13-2013/14
                                                                                                              • Recent and marketing activity
                                                                                                                • HSBC
                                                                                                                  • Company description
                                                                                                                    • Distribution mix
                                                                                                                      • Recent financial performance
                                                                                                                        • Figure 18: Key annual financial data for HSBC Bank Plc, 2012 and 2013
                                                                                                                      • Recent and marketing activity
                                                                                                                        • Santander
                                                                                                                          • Company description
                                                                                                                            • Distribution mix
                                                                                                                              • Recent financial performance
                                                                                                                                • Figure 19: Key annual financial data for Santander UK, 2012 and 2013
                                                                                                                              • Recent and marketing activity
                                                                                                                                • RBS Group
                                                                                                                                  • Company description
                                                                                                                                    • Distribution mix
                                                                                                                                      • Recent financial performance
                                                                                                                                        • Figure 20: Key annual financial data for RBS Group, 2012-2013
                                                                                                                                      • Recent and marketing activity
                                                                                                                                      • Brand Communication and Promotion

                                                                                                                                        • Key points
                                                                                                                                          • Advertising on current account and associated services up by 20% in 2013/14
                                                                                                                                            • Figure 21: Overview of expenditure on current accounts and other money-transmission services, 2011/12-2013/14*
                                                                                                                                          • Over 40% of advertising expenditure is focused on brand building
                                                                                                                                            • Figure 22: Advertising expenditure on personal current accounts and related money-transmission services, by product sub-category, 2011-12 and 2013-14
                                                                                                                                          • Top ten advertisers account for majority of adspend
                                                                                                                                            • Figure 23: Top ten advertisers of current accounts and related money-transmission services, 2011/12-2013/14*
                                                                                                                                          • Television and press dominate advertising expenditure
                                                                                                                                            • Figure 24: Share of advertising expenditure on current accounts and related money-transmission services, by media type, 2011/12-2013/14
                                                                                                                                          • A note about adspend
                                                                                                                                          • Brand Perceptions and Social Media

                                                                                                                                            • Brand perceptions
                                                                                                                                              • Key brand metrics
                                                                                                                                                • Figure 25: Key packaged and current account brand metrics, April 2014
                                                                                                                                              • Brand map
                                                                                                                                                  • Figure 26: Attitudes towards and usage of brands in the packaged and current accounts sector, April 2014
                                                                                                                                                • Correspondence analysis
                                                                                                                                                  • Brand attitudes
                                                                                                                                                    • Figure 27: Attitudes, by packaged and current accounts brand, April 2014
                                                                                                                                                  • Brand personality
                                                                                                                                                    • Figure 28: Packaged and current accounts brand personality – macro image, April 2014
                                                                                                                                                    • Figure 29: Packaged and current accounts brand personality – micro image, April 2014
                                                                                                                                                  • Brand experience
                                                                                                                                                    • Figure 30: Packaged and current accounts brand experience, April 2014
                                                                                                                                                  • Social media and online buzz
                                                                                                                                                    • Social media metrics
                                                                                                                                                      • Figure 31: Social media metrics of selected packaged and current accounts brands, July 2014
                                                                                                                                                    • Twitter leads social media engagement
                                                                                                                                                      • Banks with high satisfaction earn fewer mentions
                                                                                                                                                        • Online mentions
                                                                                                                                                          • Figure 32: Share of conversation of selected packaged and current accounts brands, 30 June 2013 – 28 June 2014
                                                                                                                                                        • Co-op Bank’s annus horribilis reflected in online conversation
                                                                                                                                                          • Barclays leads in share of conversation
                                                                                                                                                            • Figure 33: Share of conversation of the top four brands by share of conversation, excluding Barclays conversation around football, 30th June 2013 – 28th June 2014
                                                                                                                                                          • NatWest outage causes biggest spike
                                                                                                                                                            • Figure 34: Share of conversation of selected packaged and current accounts brands, 30 June 2013 – 28 June 2014
                                                                                                                                                          • TSB’s initial spin off from Lloyds creates conversation in two stages
                                                                                                                                                            • Banking issues cause conversations for smaller brands too
                                                                                                                                                              • Sponsorship helps Santander increase share of conversation
                                                                                                                                                                • Topics of discussion
                                                                                                                                                                  • Figure 35: Topics of discussion around selected packaged and current accounts brands, April 2014
                                                                                                                                                                • Consumers preoccupied with accounts
                                                                                                                                                                  • Scandals driven to forefront by The Co-operative Bank
                                                                                                                                                                    • PPI chatter on the wane
                                                                                                                                                                      • Figure 36: Proportion of all banking conversation related to PPI, 27 December 2009 – 28 June 2014
                                                                                                                                                                    • Mobile and apps generate more conversation than branches
                                                                                                                                                                      • Where are people talking
                                                                                                                                                                        • Difference in where the majority of people talk about different brands
                                                                                                                                                                          • Figure 37: Type of site that brands have been mentioned on, 30 June 2013 – 28 June 2014
                                                                                                                                                                        • Brand Twitter activity will become more crucial
                                                                                                                                                                          • Figure 38: Mentions of brands’ Twitter handles, by week, 30 June 2013 – 28 June 2014
                                                                                                                                                                        • Analysis by brand
                                                                                                                                                                          • Barclays
                                                                                                                                                                            • Figure 39: Topic cloud around mentions of Barclays, 30 June 2013 – 28 June 2014
                                                                                                                                                                            • Figure 40: Topic cloud around mentions of Barclays, excluding football-related mentions, 30 June 2013 – 28 June 2014
                                                                                                                                                                          • What we think
                                                                                                                                                                            • Co-operative Bank
                                                                                                                                                                              • Co-operative Bank has seen fall in trust
                                                                                                                                                                                • Figure 41: Shift in perceptions of The Co-operative Bank’s trust and differentiation, July 2012, December 2012, June 2013, January 2014, April 2014*
                                                                                                                                                                              • The Co-operative Bank still has an element of social responsibility and ethicality
                                                                                                                                                                                • What we think
                                                                                                                                                                                  • Lloyds Bank
                                                                                                                                                                                    • Lloyds has second highest proportion of mentions around scandals
                                                                                                                                                                                      • What we think
                                                                                                                                                                                        • NatWest
                                                                                                                                                                                          • NatWest systems go down on 2 December 2013
                                                                                                                                                                                            • Figure 42: Topics of discussion around NatWest systems failure, 1 – 8 December 2013
                                                                                                                                                                                          • @NatWest_Help drives customer service
                                                                                                                                                                                            • Social media furore dies down after a week
                                                                                                                                                                                              • Figure 43: Share of bank brand conversation earned by NatWest, 3 November 2013 – 4 January 2014
                                                                                                                                                                                            • What we think
                                                                                                                                                                                              • Santander
                                                                                                                                                                                                • Figure 44: Topic cloud around mentions of Santander, 30 June 2013 – 28 June 2014
                                                                                                                                                                                              • What we think
                                                                                                                                                                                                • Halifax and Nationwide
                                                                                                                                                                                                  • Both Halifax and Nationwide boast long running house price indices
                                                                                                                                                                                                    • Figure 45: Topic cloud around mentions of Halifax, 30 June 2013 – 28 June 2014
                                                                                                                                                                                                    • Figure 46: Topic cloud around mentions of Nationwide, 30 June 2013 – 28 June 2014
                                                                                                                                                                                                  • What we think
                                                                                                                                                                                                    • TSB
                                                                                                                                                                                                      • TSB conversation focused around Lloyds and share offer
                                                                                                                                                                                                        • Figure 47: Topic cloud around mentions of TSB, 30 June 2013 – 28 June 2014
                                                                                                                                                                                                      • What we think
                                                                                                                                                                                                        • First Direct
                                                                                                                                                                                                          • First Direct Arena creates everyday mentions
                                                                                                                                                                                                            • Figure 48: Topic cloud around mentions of First Direct, 30 June 2013 – 28 June 2014
                                                                                                                                                                                                          • Other conversation is limited due to lack of scandal and lack of customer complaints
                                                                                                                                                                                                            • What we think
                                                                                                                                                                                                            • Channels to Market

                                                                                                                                                                                                              • Key points
                                                                                                                                                                                                                • Branch networks continue to decline
                                                                                                                                                                                                                  • Figure 49: UK bank and building society branch networks, 2002-12
                                                                                                                                                                                                                • Almost 60% of adults use online banking at least once a week
                                                                                                                                                                                                                  • Figure 50: Channels used to access banking service provided by current account providers, May 2014
                                                                                                                                                                                                                • Mobile banking much more pronounced among 16-34-year-olds
                                                                                                                                                                                                                • Current Account Ownership

                                                                                                                                                                                                                  • Key points
                                                                                                                                                                                                                    • Current account ownership is almost universal
                                                                                                                                                                                                                      • Figure 51: Current account ownership, May 2014
                                                                                                                                                                                                                    • Affluent people more likely to have several accounts
                                                                                                                                                                                                                      • Joint account ownership is higher among the over-55s
                                                                                                                                                                                                                        • Figure 52: Joint account ownership, May 2014
                                                                                                                                                                                                                      • Adults with multiple accounts more likely to have a joint account
                                                                                                                                                                                                                        • Figure 53: Joint account ownership, by current account ownership, May 2014
                                                                                                                                                                                                                    • Ownership by Type of Current Account

                                                                                                                                                                                                                      • Key points
                                                                                                                                                                                                                        • Some 70% of current account holders have a standard account
                                                                                                                                                                                                                          • Figure 54: Type of current account held, May 2014
                                                                                                                                                                                                                        • Affluent consumers significantly more likely to own a packaged/premium account
                                                                                                                                                                                                                          • Packaged/premium account holders more likely to cite Santander as their main current account provider
                                                                                                                                                                                                                            • Figure 55: Main current account provider, by type of current account held, May 2014
                                                                                                                                                                                                                        • Attitudes towards Paid-for Current Accounts

                                                                                                                                                                                                                          • Key points
                                                                                                                                                                                                                            • Two fifths of adults are not prepared to pay for a current account…
                                                                                                                                                                                                                              • Figure 56: Attitudes towards premium and packaged accounts, May 2014
                                                                                                                                                                                                                            • …with older adults even more against paying for additional features
                                                                                                                                                                                                                              • Figure 57: Attitudes towards premium and packaged accounts, by age, May 2014
                                                                                                                                                                                                                            • Affluent clients are more likely to be considering premium/packaged accounts
                                                                                                                                                                                                                              • : Figure 58: Agreement with the statement ‘I am considering taking out a packaged/premium account in the next 12 months^^^’, by gross annual household income, May 2014
                                                                                                                                                                                                                            • Allowing people to pick their own benefits could help attract customers and increase fees
                                                                                                                                                                                                                              • Figure 59: Agreement with the statement ‘I would be willing to pay/pay more for a packaged/premium account if I could select the benefits that are included’, by type of current account held, May 2014
                                                                                                                                                                                                                            • Reduced hassle in arranging products appeals to premium/packaged account customers
                                                                                                                                                                                                                              • Figure 60: Select attitudes towards premium and packaged accounts, by type of current account held, May 2014
                                                                                                                                                                                                                          • Most Popular Features and Benefits of Paid-for Accounts

                                                                                                                                                                                                                            • Key points
                                                                                                                                                                                                                              • Market developments reflect consumers’ preferences
                                                                                                                                                                                                                                • Figure 61: Desirable features of paid-for current accounts, May 2014
                                                                                                                                                                                                                              • Over-65s more likely to want higher interest rates on their current account holdings
                                                                                                                                                                                                                                • Household income influences desirable features
                                                                                                                                                                                                                                  • Better savings rates appeal to those who feel paid-for accounts are a waste of money
                                                                                                                                                                                                                                    • Figure 62: Agreement with the statement ‘Current accounts where you pay a monthly fee for additional benefits are a waste of money, by desire for a higher interest on savings products in paid-for accounts, May 2014
                                                                                                                                                                                                                                  • Branch access and counter services relatively low on list of priorities
                                                                                                                                                                                                                                  • Current Account Switching Activity

                                                                                                                                                                                                                                    • Key points
                                                                                                                                                                                                                                      • One in two adults have never switched their main current account provider
                                                                                                                                                                                                                                        • Figure 63: Main current account switching activity, May 2014
                                                                                                                                                                                                                                      • Santander is benefiting from its 1|2|3 account
                                                                                                                                                                                                                                        • Figure 64: Main account provider, by main current account switching activity, May 2014
                                                                                                                                                                                                                                      • Difficult to find an angle to convince non-switchers
                                                                                                                                                                                                                                        • Figure 65: Desirable features of paid-for accounts, by main current account switching behaviour, May 2014
                                                                                                                                                                                                                                    • Motivation for Current Account Switching

                                                                                                                                                                                                                                      • Key points
                                                                                                                                                                                                                                        • Switching activity more likely to be driven by pull factors
                                                                                                                                                                                                                                          • Figure 66: Reasons why consumers have moved their current account in the last five years, May 2014
                                                                                                                                                                                                                                        • Local branch closures pushing away a minority
                                                                                                                                                                                                                                          • Higher interest on in-credit balances a big reason why consumers move to Santander
                                                                                                                                                                                                                                            • Figure 67: Main current account provider, by select reasons why consumers have moved their current account in the last 5 years, May 2014
                                                                                                                                                                                                                                          • Packaged/premium account holders are much more likely to have moved for cashback and interest on balances
                                                                                                                                                                                                                                            • Figure 68: Consumers who have moved their current account in the last five years to get higher interest on balances or cashback on spending, by standard and packaged/premium account ownership, May 2014
                                                                                                                                                                                                                                        • Appendix – Market Share

                                                                                                                                                                                                                                            • Figure 69: Main current account market share (top seven providers), by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 70: Main current account market share (top seven providers), by demographics, May 2014 (continued)
                                                                                                                                                                                                                                        • Appendix – Brand Research

                                                                                                                                                                                                                                            • Figure 71: Brand usage, April 2014
                                                                                                                                                                                                                                            • Figure 72: Brand usage, April 2014 (continued)
                                                                                                                                                                                                                                            • Figure 73: Brand commitment, April 2014
                                                                                                                                                                                                                                            • Figure 74: Brand commitment, April 2014 (continued)
                                                                                                                                                                                                                                            • Figure 75: Brand diversity, April 2014
                                                                                                                                                                                                                                            • Figure 76: Brand diversity, April 2014 (continued)
                                                                                                                                                                                                                                            • Figure 77: Brand satisfaction, April 2014
                                                                                                                                                                                                                                            • Figure 78: Brand satisfaction, April 2014 (continued)
                                                                                                                                                                                                                                            • Figure 79: Brand recommendation, April 2014
                                                                                                                                                                                                                                            • Figure 80: Brand recommendation, April 2014 (continued)
                                                                                                                                                                                                                                            • Figure 81: Brand attitude, April 2014
                                                                                                                                                                                                                                            • Figure 82: Brand attitude, April 2014 (continued)
                                                                                                                                                                                                                                            • Figure 83: Brand image – macro image, April 2014
                                                                                                                                                                                                                                            • Figure 84: Brand image – macro image, April 2014 (continued)
                                                                                                                                                                                                                                            • Figure 85: Brand image – micro image, April 2014
                                                                                                                                                                                                                                            • Figure 86: Brand image – micro image, April 2014 (continued)
                                                                                                                                                                                                                                            • Figure 87: Share of conversation of selected packaged and current accounts brands, by week, 30 June 2013 – 28 June 2014
                                                                                                                                                                                                                                            • Figure 88: Share of conversation of selected packaged and current accounts brands, by week, 30 June 2013 – 28 June 2014 (continued)
                                                                                                                                                                                                                                            • Figure 89: Topics of discussion around selected packaged and current account brands, 30 June 2013 – 28 June 2014
                                                                                                                                                                                                                                        • Appendix – Channels to Market

                                                                                                                                                                                                                                            • Figure 90: Usage of online banking, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 91: Usage of online banking, by demographics, May 2014 (continued)
                                                                                                                                                                                                                                            • Figure 92: Usage of mobile banking, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 93: Usage of mobile banking, by demographics, May 2014 (continued)
                                                                                                                                                                                                                                            • Figure 94: Usage of in-branch counter services, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 95: Usage of in-branch counter services, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 96: Usage of telephone banking, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 97: Usage of telephone banking, by demographics, May 2014 (continued)
                                                                                                                                                                                                                                            • Figure 98: Usage of in-branch advice services, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 99: Usage of in-branch advice services, by demographics, May 2014 (continued)
                                                                                                                                                                                                                                        • Appendix – Current Account Ownership

                                                                                                                                                                                                                                            • Figure 100: Current account ownership, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 101: Joint account ownership, by demographics, May 2014
                                                                                                                                                                                                                                        • Appendix – Ownership by Type of Current Account

                                                                                                                                                                                                                                            • Figure 102: Type of current held, May 2014
                                                                                                                                                                                                                                            • Figure 103: Type of current held continued, May 2014
                                                                                                                                                                                                                                        • Appendix – Attitudes towards Paid-for Current Accounts

                                                                                                                                                                                                                                            • Figure 104: Most popular attitudes towards premium and packaged accounts, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 105: Most popular attitudes towards premium and packaged accounts, by demographics, May 2014 (continued)
                                                                                                                                                                                                                                            • Figure 106: Less popular attitudes towards premium and packaged accounts, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 107: Attitudes towards premium and packaged accounts, by demographics, May 2014
                                                                                                                                                                                                                                        • Appendix – Most Popular Features and Benefits of Paid-for Accounts

                                                                                                                                                                                                                                            • Figure 108: Most desirable features of paid-for current accounts, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 109: Desirable features of paid-for current accounts, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 110: Least desirable features of paid-for current accounts, by demographics, May 2014
                                                                                                                                                                                                                                        • Appendix – Current Account Switching Activity

                                                                                                                                                                                                                                            • Figure 111: Main current account switching behaviour, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 112: Main current account switching behaviour continued, by demographics, May 2014
                                                                                                                                                                                                                                        • Appendix – Motivation for Current Account Switching

                                                                                                                                                                                                                                            • Figure 113: New providers’ offerings (pull factors) which motivated consumers to switch accounts, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 114: New providers’ offerings (pull factors) which motivated consumers to switch accounts, by demographics, May 2014 (continued)
                                                                                                                                                                                                                                            • Figure 115: Old providers’ failings (push factors) which motivated consumers to switch accounts, by demographics, May 2014
                                                                                                                                                                                                                                            • Figure 116: Old providers’ failings (push factors) which motivated consumers to switch accounts, by demographics, May 2014 (continued)

                                                                                                                                                                                                                                        Companies Covered

                                                                                                                                                                                                                                        • Abbey
                                                                                                                                                                                                                                        • Alliance & Leicester
                                                                                                                                                                                                                                        • Barclays Bank plc
                                                                                                                                                                                                                                        • Bradford & Bingley plc
                                                                                                                                                                                                                                        • Cater Allen Ltd
                                                                                                                                                                                                                                        • Cheshire Building Society
                                                                                                                                                                                                                                        • Derbyshire Building Society
                                                                                                                                                                                                                                        • Dunfermline Building Society
                                                                                                                                                                                                                                        • First Direct
                                                                                                                                                                                                                                        • Gourmet Burger Kitchen
                                                                                                                                                                                                                                        • Grupo Santander Central Hispano S.A.
                                                                                                                                                                                                                                        • HBOS plc (Halifax Bank of Scotland)
                                                                                                                                                                                                                                        • HSBC Private Bank (UK) Limited
                                                                                                                                                                                                                                        • Lloyds Banking Group
                                                                                                                                                                                                                                        • London Stock Exchange plc
                                                                                                                                                                                                                                        • Marks & Spencer
                                                                                                                                                                                                                                        • Nationwide Building Society
                                                                                                                                                                                                                                        • NatWest
                                                                                                                                                                                                                                        • Portman Building Society
                                                                                                                                                                                                                                        • Royal Bank of Scotland Group plc
                                                                                                                                                                                                                                        • Royal National Institute of the Blind (RNIB)

                                                                                                                                                                                                                                        Packaged and Current Accounts - UK - July 2014

                                                                                                                                                                                                                                        £1,995.00 (Excl.Tax)