I banked with Woolwich for years and years and years. I used their online banking but never had a problem if I had to call or visit a branch. Now it's Barclays and it's a nightmare. Repeated written complaints are met with a standard pre-written letter explaining that there will always be 'teething problems' and they are sorry. That's it. When The Switch came about (and they had at least 4 years to prepare for it) it was a complete shambles. I the customer apparently didn't have to do anything. All DDs etc would be autmoatically transfered to my new account etc etc. Well no. My old Woolwich account disappeared and my new Barclays account failed to appear. Talking to someone in India who would only follow a set script was of no use what so ever. Multiple visits to Barclays in Peckham and LL and SIX WEEKS later I had a functioning barclays account. I use the word 'functioning' with hesitation - there are so many things that I can not do that were taken for granted with Woolwich. It's the little things just make life awkward. You have different usernames and passwords for phone banking, online banking and if you 'just want to phone up with a qeury'. Barclays doesn't have 'funds avaliable' on the online statement. You get your current balance and your max overdraft limit and it's up to you to do the maths. The receipt from the ATM shows you have no money avaiable if you are into your overdraft, even if you do have funds avaiable - the Woolwich would tell you how much you had to spend. You can't go back more than a couple of months of statements online. Woolwich you could go back a year. Try printing out an online statement from the Barclays site - talk about appalling lay out and page wastage, unlike Woolwich. In Woolwich if you wanted to pay in money you handed over your card and the money. Done. Barclays, oh no you get to fill out a paying in slip using their non-exsistant free pens. I get cheques in Candian dollars. First time I paid it into the Woolwich with no trouble, cashier didn't bat an eyelid. Took the second one into Barclays in LL and all of hell broke loose. They did not have a clue what they were supposed to do with it - one employee just said "oh, it's not English we can't handle that". (6) They were hesitant to even accept it incase it wouldn't be honored. The cheque was from The Great Lakes Fishery Commission of Canada, not from a private individual. It was only after I kicked off in front of other customers that I finally got to see the manager and they agreed to do the paper work. Two hours I was in there. As I have just finished being a student my finances are not good shall we say and right now I can't switch to another account without loosing that all important student's lifeline, the overdraft. But trust me, the moment I can move banks I will. D.