Limited frills but great at what really counts!

I have been with Investec for a few years now. I have had my personal accounts, trust/business accounts, home loan and vehicle finance with them.

Investec may not have some of the frills of the other banks in terms of features, aesthetics of the card, etc. but at the same time are not bad but rather average on these. When it comes to core banking which includes interest rates on loans, the dynamics of the facilities which hold the loans, how they deal with queries, how they deal with clients a day to day basis and even their call centre ****tle to no wait times, staff who understand the business and customer needs, etc. I actually use the call centre more often than my private banker because it works so well); this is where you need a bank to perform and this is where they perform.

Some bank/people can go on about the frills of their banks and I recently compared for myself. To someone serious about money, having the frills without a well working core is useless because in that case you have your money with a loyalty scheme and not a bank so you may score some freebies but lose huge on interest rates and general day to day satisfaction.