AVOID AVOID AVOID I wish I could leave a negative review. We opened a business account, had a VAT repayment one month ago, and the balance is still showing zero. Can't logon EVER using security questions set up, so you have to ring them - they have confirmed the receipt of the money from HMRC but still over one month later, zero balance in account so we cannot get the money. 11p a minute to ring, they keep you hanging on the phone and we will be closing this account as soon as HMRC have updated our records. Fortunately it's not a great deal of money, but why should they have it! We paid £55 to open the account, and why should they have a penny more for such an appalling lack of 'service'. As far as I am concerned they have STOLEN our money, and I shall NOT let this drop. AVOID AVOID AVOID