i would say go for one with local call centres, or even a local Bank Manager who can give you the personal touch. at the end of the day, you are at their mercy, so if you can build up a good rapport with your branch and business bank manager the bank costs are not quite so important. Bank of Scotland set my account up, but did not get all the cheque books ready on time, then failed to implement my overdraft 2 days before pay day. we had to pay our workers out of our own bank account - they didnt care at all ! HSBC have set everything up already - including a higher overdraft, no solicitors, no hassle, just waiting for the change-over date. Brilliant !