I have a smilemore account, very good service...was with hsbc but if I went the slighteset bit overdrawn they would slap a £25 minimum charge without notifying me or early warning. smile is £500 and no charges

I only find bank transfers take time if coming to or from a natwest account - ie. my housemates... otherwise smile <--> hsbc is instant.

I like the fact that they dont hide all the information in hard to find places and are easy to speak to on the phone (in my experience)

card reader is a pain though, but I guess they are all heading that way now.