I'm also a fan of 'say no to 0870'. I often use it. Unfortunately, the 'overseas' number I tried on this occasion only got me the general enquiries section - I had to use 0845 to get the specific help for complicated online banking.

I'm not sure who grandad42 is, though I suspect that I know him in real life given the number of friends we have in common in ZZ9. Feel free to friend me.