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Budgeting & bank accounts

Discuss bank accounts, banking apps, budgeting hacks and how to organise your money.

New to the Budgeting & Bank Accounts board? Start here
💸 Some threads you may find useful * What's your financial setup? Forumites explain how they organise their accounts * Which simple phrase or motto sums up your budgeting philosophy? * Living with a new partner: organising your finances * An Archived List of Switching Offers * Savings/investment DDs and debit card deposits…
Virgin Money 12%
Just in case no one has heard of this, (I haven't yet seen it on Money Saving Expert, apologies if I'm late to the party!) Virgin Money is offering 10% for switchers into some of their current accounts, one of which gives 2% interest. It's only on £1000 and only for a year, you have to switch with two direct debits, good…
Halifax Scrapping £5/Cinema ticket Rewards.
i think its worth it's own thread, some info added on to the end of the "slow rewards update" thread... originally posted by pokemaster and thanks to WillPS for: https://becleverwithyourcash.com/halifax-to-scrap-5-reward/
Santander switch question
Hello all I have a quick question about the 180 pounds switch money. I already have log in details for Santander but closed my accounts long time ago, well bank accounts anyway, may have had savings accounts still sitting there (hope that does not disqualify me). Anyway what I wonder is, I have my donor account ready to…
Kroo
Anyone signed up and used Kroo? I see that they have a great interest on current account, no savings account required. Just wondered how they are and how popular they are? thanks
How do I figure out how much to spend on groceries?
Are there general rules of thumb, and how do I figure out ingredient ratios for meals etc?
Barclays Bank - online banking
I have been on Barclays Bank business online banking - trying to fill in a change of mandate form. Part of the form has a drop down menu which just isn't working - I have tried deleting all my cookies and trying another browser - so far tried Safari and Chrome but just can't get it to work. Anyone else having this trouble?…
How to get a Santander Edge Saver without using the current account
Hi All, I'm looking to get the Santander Edge Saver and adding 4k for the 6%. I see that I need an Edge current account do it. But I already have a Santander 123 Lite account and think I am better off keeping that for the cashback. Can I open an Edge current account, get the £30 Amazon voucher via the MSE link, and then…
Zopa Current account
I just logged into Zopa and it's offering current account states beta. Not available to everyone yet. Had anyone applied, any issues/reviews. Do they carry out full credit check or soft checks. Thanks
How to prevent payment being removed from my Halifax debit account
Any suggestions on how to stop this occurring again on the 01st July, please. Seems there`s no facility within my account to allow me to prevent this payment. Left it late because only just checked for entry allocations following previous payment being taken & there appears to have been a cessation in ticket allocation…
Current Account switching question
Hi, I was just wondering, if I switch current accounts do I have to phone all the companies I've got direct debits/standing orders with to let them know my new account details? That would be a bit of a pain in the neck!
NatWest + RBS £175 switching offers June 2025
New switching offers from NatWest and RBS, see below. Terms seem to be more or less identical between the two banks, so I've listed the T&Cs for the NatWest offer for reference. Biggest difference between past offers is that it seems to apply only to "new and existing customers who don’t hold a NatWest/RBS current account…
IBAN child account to receive flight compensation
A 7 year old child needs a bank account to receive flight delay compensation. As the compensation goes to passenger named on ticket rather than the adult who paid for ticket. Emirates won't deal with Starling Bank UK or Revolut. I created a Lloyds Bank Child Saver, but Emirates stated the IBAN provided is not an…
LHV App login 30/06/25
Is anyone else having problems logging in to the app. today. It always worked perfectly before. I’m now in EU, but surely that’s not the reason. Il getting the attached screenshot.
LHV current account uncapped 3.25% interest
Seems to be app based. Fully regulated. Maybe an alternative to Chase ? It is the first new current account to launch in Britain since 2021 when Chase Bank burst onto the scene, and it already offers savings accounts and loans. LHV which has been operating in the UK since 2018, after establishing itself as the third…
NatWest Adapt account
Does anyone know how I can either freeze my son’s account or reduce the amount he spends online? I can’t seem to be able to do either. He is 13 and spending too much money on online gaming. Thanks.
Bank account switch.
I am seeking some guidance on switching banks. I am in the Halifax at the moment and would like to switch to another bank. In my Halifax account I have a current account, an ISA and a savings account. But what happens to all these accounts when I switch. What do I need to do to ensure all money is transferred to the new…
TSB 20 card payments question
For the TSB switch offer where you get £15 cashback each month as long as you make 20 debit card payments - if I used my card to tap on a TfL bus twice (return journey an hour later) I know TfL only take the one amount out, but would this be classed as 2 payments, given I tapped my card twice? The same goes for tube…
Nationwide £200 switching bonus starting 29/05/2025
https://www.nationwide.co.uk/current-accounts/switch/ How to get our £200 switch offer For a limited time, members can switch their main account to us and get £200. Terms apply. * Be a qualifying member as of 31 March 2025 * Complete a full switch online using the Current Account Switch Service to a new or existing…
£30 voucher for opening Santander Everyday or Edge account
Credit to @goatfaced for bringing this up in the 123 Lite thread. https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/#santanderedge Filling the form in results in a 'Something went wrong' message for me on Safari, but in Firefox it worked just fine. Closes tomorrow. New & existing customers. No switch or…
Chase - contacting them via the app
Seems to have changed since I last used it. Used to have to go to support & then there'd be some obvious chat to us thing where you'd ask your question. I'm sure it's clear as day to you guys but they seem to have moved it with an app update & I can't find it. Where should I be looking? I'm hoping they've not removed it…

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MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
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Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
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Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Budgeting & bank accounts

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