Banking

jesus, paying £156 to have an account seems outrageous.

Certainly does - especially when you look at it in terms of the annual overall payment...

If the insurance / other crap is useful, and you might otherwise pay for it, then yes, it's worth it.

Logical, rational, and absolutely spot on.

I used to have a Smile More account (when it was £10 a month) as it gave me travel insurance and Green Flag membership which was useful when I had a car. I changed back to their standard account when I got rid of the car as it made no sense to pay £120 a year for travel insurance.

I do have a car, and it's got quite a few miles on the clock, so I may well need the breakdown cover, but from the look of things it's probably best to pay for these things separately - especially as I'd have a say in who actually provided those services.

Cheers for the help - I didn't know if the people who paid that little bit more got a better level of service, but Smile have always been pretty good with the standard account, so I might give it a miss...