Absolutely without doubt the worst bank ever. Attempted to open a fixed rate ISA and at every single turn there was a problem. Their photo ID system did not work on my android phone. Had to get someone with an iphone to do it for me. Then they failed to send me the activation code. I tried every day to call them, on one occasion waiting 1 hour 25 mins on hold and spoke to nobody. Eventually hit on the idea that they may have a Facebook messenger and contacted them there to be told, bad luck, too late, you've missed our imaginary deadline, can't put any money in and guess what? You've lost your ISA allowance for this year too. Complained formally by email and 3 days after the maximum deadline allowed in banking law they wrote me a letter with entirely the incorrect details. When I finally spoke to the clueless author, she promised that it would get sorted out, my interest would be backdated and it would all get sorted. I probably shouldn't have been even vaguely hopeful as she then admitted that she hasn't a clue about ISA's and had been drafted in from another department to deal with the flood of complaints about the product. Since the 5 more weeks have passed and 2 conversations where she once again promised resolution. Hi hi, hi ho, its off to the Ombudsman we go!