I can only comment on their Internet banking service. As Jack says it is out dated and poorly designed. It is not useful for a business user. The site can only display transactions from the date a user is authorised, so no searching of historic transactions. The site is not designed for users with varying rights, if a delegate sets up a transaction, an error message is displayed warning the user has no signing powers and it is random whether the transaction is accepted or not. A confirmation of data entry would be much more useful, then a separate authorisation step could be carried out. I was surprised to see there is no card and pin system for logging in and approving transactions. As a delegate I was advised to download the authorisation app even though I had no signing rights. The business banking app itself is too similar to the personal banking app. I downloaded the wrong one and judging by the reviews it is a common complaint. The telephone helpline staff are friendly and try to be helpful, but I suspect their ability to help is hampered by the same poorly designed systems. On one occasion I was told to wait 24 hours, sometimes the systems will filter through.