What is your opinion of your bank? Are their charges and interest rates high or low? Will they lend you money? Would you ever change bank? I am very happy with my bank. I have two accounts, one current account(to pay in my salary and where I can pay some of my bills) and one saving account that gives me 2% interest rate if I make a commitment to save 200 pounds a month. I have also only one debit card ( to use in cashpoints machines or shops), because I think that having a credit card only makes you spend more money. When I appplied for a mortgage, they gave me without any problem, also they gave me a loan a few months ago at a low interest rate. They don't me charge any fee for using their services: withdrow cash from a cash machine or transfer money to another account. My bank has an exceptional online platform, so, to do banking, I don't need to go to their local bank, that is for example to look the statements, apply for another card, My bank manager is quite friendly and helpful. I’m not going to change banks! How do people do banking in your country? Do they prefer to go to the bank or bank online? Nawdays, it is almost unnecesary to go to your local bank. On the one hand, as Iternet is now accesible for many people, I think do banking on line is becoming more a more common nowdays in my country, as it save a lot of time.Besides, online banking is popular because it’s 24/7 Through bank's online platforms you can do almost everything, for example you can open an account, transfer money between accounts, look at your statements, ask for a credit or debit card and so on. In addition, You can also use cashs points machines to withdraw cash. On the other hand, it is still necessary to talk with the bank manager, for example, to apply for a loan or for a mortgage. Besides, there are people who aren't be able to use fluently Internet and platforms could not be secures. --- I never used to look at my bank statements. But the other day I had just a look at them, and I had a nasty surprise. My current account and my savings account were costing me 2.5 pounds a month, each. When I opened these accounts they told me that they wouldn’t have any fees!!. I wet to visit my local bank to complain. The bank manager check the conditions of my accounts. They verified that they have the commitment to no charge for the first year, and now this time is passed. It seems to me that they should have informed me better