Hi John

We were originally with Alliance Leicester/Girobank and they were pretty good. Then joined Streamline through an FSB deal (there credit card rates were better than the others but debit cards not as good, but once I'd done a spreadsheet itemising it all decided they would be cheaper in the long run).

Finally, our banks have never been able to get close to the rates we've had but we are also with lloyds-TSB now and have a good relationship and they came to us recently and said whatever the deal we had they would either match it or beat it just to get our business and keep it all under the one roof.

We now have a rate that even Streamline weren't prepared to match/beat. Yes it meant signing another 3 year lease deal on the machine with a stricter cancellation policy than Streamline, but they are saving us money (both rates and rental).

So shop around and then go back to Lloyds and see what they can do for you.

Cheers

Sean