Raphaelsbank 

Not the best costumer service.
I was unlucky to have my transaction time out while using one of their ATMs, and even though I didn't receive the money, I was still charged from my account.
After contacting them, they told me to contact my bank,which I had done. My bank said they had 48 days to reply to the chargeback.
After contacting Raphael bank to see if they could give me an update or speed it up as I obviously needed the money and it wasn't a low amount, they replied asking for details about the transaction to identify it, and after providing it, they stopped replying.
As a result, I didn't get my money for 60 days and had to borrow it!!! Over an error that had nothing to do with me.

Raphaels Bank are great to work with, always a supportive and accommodating team.

They offer traditional banking with customer friendly explanation of lending and saving services.

We are extremely happy working with Raphaels Bank, which lives to the expectation to be a traditional bank with a caring service that is difficult to find in the high street.

A concise selection of banking, savings and lending products, so all in all it's easy and very clear to identify their offers, interest rates and bank charges if any are applicable.

The interest rate attracted me .I telephoned to inquire . Print off an application form from the website and send a cheque I was told. Sadly I stumbled on the I.D side of things which all had to be scanned , verified / signed by an accountant or solicitor .I have neither so contacted a local solicitor who agreed to sign for £35 which although reasonable took most of my profits .Add that to recorded delivery for letter and most current accounts now don't automatically issue cheque books.