Ok. I have an account with ANZ, and am considering moving it...

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    Ok. I have an account with ANZ, and am considering moving it because I am a bit disturbed by their recent cavalier behaviour. The latter is not the point here, but I thought it would be interesting to get opinions on which is the best banker for a current account.

    The following are important:

    - not overly exposed to risk
    - immediate access to cash
    - low fees
    - online banking
    - ethics

    In the UK you can get a current account with NO fees, banks here seem to think they can charge you to lend them money in the form of a current account. Are there any exceptions?
 
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