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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…
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Lloyds Bank app down??
Unable to log in via the app this morning, just getting a Something Wrong message. Anyone else with same issue? Lloyds site says no planned outages, but cannot find a link for current state.
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NatWest Premier application - rejected based on credit score?
I tried to apply for NatWest Premier account (mainly for the switch bonus) but got rejected due to "credit score". Trying to understand why as I seem to have a pretty normal/good credit score: Experian shows 994/1250 -- "very good" starts from 1001 TransUnion shows 618 -- excellent starts from 628 I don't have any debt…
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RBS Online banking needs approval with mobile app every time.
Today I'm finding that the Royal Bank of Scotland online banking requires me to authenticate with the mobile app every single time I try to login. It used to be the case the mobile authentication was only required when using a new browser. Is anyone else seeing this? If it's a new thing, it's annoying enough for me to move…
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RBS Stopping £1 monthly cashback for mobile app login
As above, for their Reward Account. Received email today with this change effective 1st October. I guess NatWest will be the same.
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MSE News: Halifax bank brand to be replaced by Lloyds – what it means for you
If you're an existing Halifax customer, you'll soon become a Lloyds customer instead, as Lloyds Banking Group – the parent company of both – has announced it's scrapping the Halifax brand completely over the coming months. Here's what you need to know… Read the full story:…
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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
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Ulster Bank BEWARE
Seduced by the promise of a good interest rate, and in the absence of any **warnings** on the comparison websites, I opened an Ulster Bank savings account although the process was far more labyrinthine than it usually is when opening an account. I paid quite a lot of money into it. The paying-in process was very easy. TOO…
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Changing old banknotes
I’ve found an old paper £50 note and I have no bank nearby only a post office that wouldn’t change it. is the only option to post it to the Bank of England or make a long to a bank (or give it to a charity- rather not donate the full amount £50 though)
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Co-operative Bank up to £200 switch and stay offer (06/07/2026 to 07/09/2026)
Update - 17th August 2026: The loyalty part of the offer has ended. The switch (£125) and spend (3 x £25) parts remain. The Co-operative Bank has launched a new switch and stay offer of up to £300 £200. It comprises: 1: £125 to switch, 2: £25 per month for 3 months to stay (the 3 months begin on the day after you receive…
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HSBC £500 Premier Account switch offer + £290 Premier Elite Mastercard cashback (23/03/2026 to TBC)
New HSBC switch offer starts today. While it's marketed at high earners, don't let that put you off. T&Cs (updated to reflect the £290 credit card offer). Update: 14/04/26: Switch bonus (now known as the "welcome reward") has been increased from £250 to £500. Update: 27/07/26: An extra £290 cashback is now available for…
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Danske Bank £200 switch offer (07/09/2026 to TBC) - NI only
Danske Bank have launched a new switch offer. T&Cs. You must open a new Danske Reward, Danske Choice or Danske Freedom account. To open one of these accounts you must be a resident of Northern Ireland. There is one exception where if you are already a Danske customer (e.g. you used to live in NI and became a Danske…
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I need to open a current account to switch into Santander.
Any recommendations for an account that won't trigger a full credit check as it will be closed pretty quickly….
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NatWest £1 for logging in ended a month early?
NatWest and RBS are ending their £1 reward for logging in from October 1st. Although I have received my £1 from RBS for September, I have not received my £1 from NatWest. Anyone else noticed this?
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£25 Amazon gift card for opening a First Direct current account (17/08/2026 to 02/09/2026)
OFFER HAS ENDED. This promotion is being run by MoneySupermarket via VoucherSent. Get a £25 Amazon gift card for opening a First Direct current account. This offer is separate to the £175 switch offer and can be done alongside it. + Register with VoucherSent and in the same session successfully open a new First Direct…
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Santander £240 switch offer (01/09/2026 to 07/10/2026)
Santander have launched a new switch offer. What you need to do: This offer is for the Everyday Current Account only and you must request your switch on or before 7th October 2026. T&Cs. Within 60 days of your switch request, you must: + Complete your switch (while the blurb says to open an Everyday Current Account, the…
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Natwest Premier switch - £500
Says you need a £100k income, but then also mentions you need to pay £15k within 90 days of switching. Unsure whether just paying the £15k (non salary) would satisfy the switching bonus criteria? Premier Reward Account | NatWest Premier
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Halifax to Lloyds - App notifications issue?
Oh hello, Just wondering if anyone else's app notifications have stopped since being moved from the Halifax app to the Lloyds app? Brand new Android phone I bought earlier this year on latest OS and app versions etc. I don't need techy advice as I work with phones, I just want to know if it's just me its broken for or not…
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Credit card for spending abroad!
For many years I have been using Halifax clarity card without a problem. Last year I was picking up my hire car in Spain and the car agency will not accept my Clarity card for the excess deposit as it did not have my full name (only initial and surname). They said the only option is to pay for their rediculousley expensive…
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£50 in Amazon gift cards for opening an Amazon Barclaycard credit card (ends 10/09/2026)
You can now get a £40 Amazon gift card for applying on or after 10th September 2026 and being accepted + a £10 Amazon gift card for activating the card in the app. This seems like a fairly simple offer. Apply for an Amazon Barclaycard through your Amazon account and if accepted you get a £40 Amazon gift card. Activate your…
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Barebones of my budget
Its not looking good guys and gals……………. Income £1820 per month after tax, no overtime, overtime optional, prefer not to do it. I pay the minimum into the work pension to match the employer. Outgoing: Rent £1360 Council tax £108 Electric £60 Water £54 OK lets stop here for a second, that leaves £238 I run a car and a full…
