I’m sure it will be at least as good as a Co-op Bank cooked breakfast 
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Ahem…
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the past is another country.
My first contactless card was one of these:
which was an all-in-one credit card and an Oyster card. At the time the contactless limit (if you could find anywhere that accepted it) was £10.
I think the main draw was the introductory offer of a year of 5%(!) cashback on TfL spend - so I’d have to go online or to a ticket machine, and use the credit card to top up the pre-pay balance or buy a Travelcard with it, and load it onto the Oyster side of the card.
It was discontinued just ahead of TfL launching contactless payments.
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It’s still not a crazy idea. Lots of workplaces will pay for annual travel cards and you then need a separate Oyster Card for it.
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It’s usually a canapé reception followed by a fine dining meal.
The main focus is for networking with other clients of the Bank.
I’ve even managed to acquire clients from such events.
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I watched a Geoff Marshall video where he mentioned this. I think it’s pretty cool tbh.
It was very much an idea of its time. The reason it was discontinued was that the card reader wouldn’t know whether it should charge the Oyster or credit card - basically card clash in one card!
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Everyone’s superyacht keys in a diamond bowl
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Not me, if it’s anything like the bank it would take you three weeks to receive your food
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Who does everyone keep their investments with?
If multiple platforms please say with and what you use them for.
I use:
Hargreaves Lansdown for my Stocks & Shares ISA & General Investment Account
Not sure this is the right thread for it, but:
- pension - Nutmeg
- GIA/ISA - Charles Stanley (previously Freetrade)
Still have some stuff in Freetrade, but I don’t like Freetrade anymore and would like to seem greater competition for them. I’ve dabbled a bit with Prosper and lightyear. Both are promising offerings.
I’m always open to alternatives. Been wanting to get away from Nutmeg since Chase bought em, but there’s nothing close for me and Monzo let me down with their product. Charles Stanley too. Freetrade had replaced them until they lost their way and went back. I want good fintech offerings to use instead but they don’t seem to exist (yet; prosper has potential).
Wealth management is part of private banking, so reasonably suitable.
I’ve my SIPP with AJ Bell and ISA with T212.
Can’t believe that I’ve been with AJ Bell almost from when it started over 25 years ago (it was called sippdeal then, though still part of AJ Bell).
Pension is with Nest which I’m too lazy to change and ISA with Vanguard. I do have accounts with T212 but they are empty.
You might want to check out their performance Vs the Vanguard options: Compare fund performance | Nest Pensions
It’s my workplace one, they won’t change it to anyone else and I can’t be bothered arguing lol. I pay way more into my ISA than my work pension anyway.
You can transfer it and let your employer continue to pay into the nest account. My work one is in Standard Life but I transfer it out to AJ Bell every couple of years.
Bulk of my investments are with an HSBC InvestDirect ISA which, despite the ancient interface, is a very cheap place to hold ETF portfolios that you only re-balance maybe once per year (£10.50 per quarter, regardless of the amount invested). This is to satisfy the minimum Relationship Balance required for their Premier account.
Also have ISA and GIA with Trading 212 to avoid putting all my eggs in one basket.
I have an account with Hargreaves Lansdown but have nothing invested at the present time.
It’s a shame it’s not for funds too. Would be a good option with their own All World due to its lower fees, though probably still worth itif you have enough for Premier as it’s basically a £42/yr fee for it.
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You can’t do partials out you’d have to completely unenroll etc and miss contributions in the meantime. You can’t even pick more than one fund.
I just waited till I changed jobs to transfer Nest out.
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I can’t do a partial either, but what I do is put in the transfer to AJ Bell (which Standard Life can’t action until it’s no longer a work pension), along with an application to open a new work pension (and explain things in the email). Twice so far and no problems.
PS You don’t miss any contributions, but I pop it in just after the Christmas pay to give them more time to process it.