On the subject of Icelandic banks, I had to wait 1.5 months to get a reasonable sum of cash back from Kaupting Edge. And now I'm waiting for my interest payment! Citigroup will be fine, but there are better banks out there if you did want to change. Personally, I'm with Nationwide, as I'd rather be with a mutual. If you do any amount of travelling, then they are really the best option for reasons already mentioned.