Thread edited to remove the SHOUTING and moved to subscribers' forum.
Neither of your suggestions work. I realise as a nooB you have heaps to read and take on board. To help that end, here's a thread created by aspkin that should assist. http://www.aspkin.com/forums/subscri...-end-list.html
Page one of above thread has the UK banks. It is preferable to use an account that allows the direct debit mandate. I prefer to use current accounts for that. Your idea of RBS as a bank is good. Rather than a savers though, look at making a key account with them. This bank has an advantage in that more accounts can be made online after the 1st account is created.
Read the thread & do feel free to pm me if you promise not to shout
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