My wife has had a current account with Lloyds TSB for a number of years, while I have banked with Royal Bank Of Scotland for well over a decade. When we got married (recently) we decided to consolidate to a single current account and ended up opting for Lloyds TSB (the wife won that debate). We went and set everything up with Lloyds in person, signed all the forms, produced all the necessary ID etc. but a few days later when (via Lloyds phone banking, which I had set up at the branch) I tried to move a large amount from the low interest Lloyds current account into a high interest online savings account that we have, I was met with complete resistence and rudeness. The person I spoke to would not explain why they wouldnt move the funds, even though I had proven who I was with entering my password etc., insisting instead that I must go into my local branch to prove who I am. Not very satisfactory as I had been through all this at the local branch a few days previous plus I wouldn't be able to get to my local branch for quite a few days, so really I wanted this done over the phone and wasn't given any reason why this couldnt be achieved. My wife called them that evening and was also not given any explanation for why I needed to prove my identity - then when she tried to initiate the transfer herself (as I had tried to do earlier) they tried to talk her out of it telling her they'd be able to offer her a better rate if she opened a savings account with Lloyds! So it started to look like all the obtrusiveness was purely down to the bank not wanting to let go of the money - this I find worrying in the extreme. In short, we don't need any of this nonsense - we need a bank that will provide a good, efficient service - one that wil willingly follow a basic instruction without question or hesitation (let alone resistence). If TSB Lloyds cannot provide such a service then we will maintain our current account with another bank (such as Royal Bank Of Scotland), its as simple as that.