I made an enquiry online about a car loan. A consultant called me days later but I missed the call, so the consultant left a number to call on. They never answered, despite days of calling back. Finally, I got through to the bank on their main phone number (after waiting on hold for 25 minutes). We went through all criteria for the loan and the consultant said all was good, until the computer rejected the application as unaffordable. The reason? The system would not accept that multiple people in a household contribute to rent, and instead considered me to be responsible for the entirety of the rent. This is archaic and ridiculous. All up, not worth the effort of waiting.
Beyond Bank helped us refinance our home when a lot of other banks wouldn't take us, even when had accounts with them. So we are very grateful for their friendly and helpful service and trust in us.
They're very friendly & nice, but haven't really got many bells & whistles like rewards cards or the like. Regular debit card isn't viable for every day use as too many limitations on it, and interest rates are only just competitive.
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