Im with Halifax and Natwest. Ive never had any problems with Halifax, they handled an incident where my card was cloned really well. Natwest on the other hand have been utter shit. They mess up all the time, used to hassle me for money to be paid in when i was a student (i was £500 overdrawn which is bugger all compared to the £2.5k overdraft they advertise). Halifax didnt complain once so now they get all my wages now. I find there online banking to be excellent as well.