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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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Co-Op Debit Card declining all online transactions, no blocks enabled
Anyone else having problems with using their Co-Op Debit card online recently? I can still use the card in physical shops, but when I try to use it online, the transaction is declined, even to merchants I've used the card with before without any problems. First noticed a couple of days ago when trying to make a deposit…
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Bank switching bonuses
I keep seeing people claim they make £1,000+ a year from bank‑switch bonuses. I did a few switches myself a couple of years back, but now I’m blocked from most offers because I’ve already held or switched to those banks before. Do people genuinely pull this off every year, or is it mostly hype from those who still qualify?
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Ulster Bank £200 switch offer for opening a Select Account (26/05/2026 to TBC)
New switch offer launched today. T&Cs. Requirements: Exclusions: Anyone who has ever received switching cash from Ulster Bank, NatWest or RBS (but in reality we know that unless something has changed, they don't seem to check between banks). You must not have held any Ulster Bank current account on 26th May 2026. Other…
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Barclays £200 switch offer for opening a Bank Account (10/03/2026 to 28/05/2026)
Barclays have launched a new switch offer for their Bank Account. Excludes anyone who has ever received a switching bonus from Barclays in the past or anyone who had any Barclays current account open on 10th March 2026. T&Cs. Offer now added to the switching archive for future reference.
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I want to swap banks but have no photo ID. Quickest solution?
Aged 60+, but no passport, because I’ve never been outside the UK, and driving license is the old paper style. A quick google suggests an upgraded photo ID driving license, might suffice, but looks like a passport, would be required. Passport looks to be a 10 week process. I guess that’s the route I’ve got to take, unless…
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Bank of Scotland £175 switch offer (19/05/2026 to 29/06/2026)
Launched today. Applies to Classic, Silver and Platinum Accounts only. + Requires switching over 3 active and paid direct debits as part of the switch (please see UPDATE below in this post). + No requirement to move any cash across. + You must open your account and start your switch on or before 29th June 2026. + You must…
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Going from Quickbooks to Starling's built-in accounting facility
Quickbooks recently told me about a "forced migration" where they insist I move to another of their offerings - and pay more for it. They moved me from Sole Trader to Simple Start. They claim is to do with it being compatible with HMRC's Making Tax Digital. The fact that I don't make enough money to be affected by that…
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HSBC £220 switch offer for opening a Bank Account (15/06/2026 to TBC)
New HSBC switch offer launched today. T&Cs. 1: Open a Bank Account in the HSBC app on or after 15th June 2026 but before the offer is withdrawn. 2: Within 60 days of opening your HSBC Bank Account: + Complete a full CASS switch which includes at least 2 direct debits. + Deposit at least £2,000 into your HSBC Bank Account.…
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Is Starling a good bank for a joint account?
Hi My girlfriend and I would like a shared 'Holiday Fund' account. We would each make a monthly payment into the account. These funds would then be used for holidays, spending overseas etc Ive done a little research, and it seems Starling has no fees at all, including for spending abroad. It uses the Mastercard exchange…
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Nationwide Switch offer 21/5/26
Don’t think it’s been mentioned yet. £175 switch offer launched today https://www.nationwide.co.uk/current-accounts/switch/
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Switching banks. Anytime of month?
we looking at switching joint from halifax to santander. Is there a good time do thir or does it not matter? our bills come out 22nd month. Some 1st of every month Thanks
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Foreign Currency
Hi, I am going to receive a USD payment from my employer, currently designated to be deposited my UK high street bank account. I am concerned that when the USD hits the GBP account it will be converted to GBP at a lousy exchange rate and/or attract large fees. Is this is fair concern and if it is what is the best account…
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Old bank notes
A relative died and i have £5000 in old paper bank notes in bank bundles dated 2011 , my local bank branch has closed down and they say I can only pay in £250 in old notes per visit, this would mean 20 bus trips to the next city and cost me £120 just to pay it in. is my only option to pay it into my account via the local…
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Chargeback or S75
I just wanted to make sure I was making the right claim.If a company has taken 3 payments instead of just one is it a chargeback and not a S75 claim? Company is still trading and is reputable but a bit clueless about finance. Paid on a credit card, 2 payments show on one day and one on the next day. My bank states all 3…
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Barclays Bank
After being unable to make a transfer of £15 yesterday - error code 9802 - I have spent 1 hour and 45 minutes on the telephone to Barclays Bank this morning. After carrying out all the "help" persons instructions I now have no access to my account. Not even to check the balance. Anyone else having problems with Barclays…
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How to stay safe when shopping online, and avoid scams and identity theft
Hi, I'm not sure if I'm in the right section but any advice would be appreciated. I am not techy savvy at all and I easily get muddled up/confused with it all, but I want to try some shopping online. I am very anxious about online scams and identity theft. I've tried to read up on it all but found it even more confusing…
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Current Account Switching
Hi there, I was just after some quick advise on my options after Ive used all of the banking switch deals.There is no bank that I haven't used that offers the service and I'm now using some of the other banks to refer friends and family to get cash back. What other incentives could I try now that Ive exhausted all these…
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Lloyds switch for up to £500, 24 February to 30 April 2026
Switch to a new Club Lloyds for £200, or Lloyds Premier for £500. Open a Current Account Online | UK Bank Accounts | Lloyds https://share.google/6K20M5Iy0knuEbtVi https://www.lloydsbank.com/current-accounts.html £200 Club Lloyds switch offer Terms & Conditions. To qualify for the £200 switching offer (“the offer”) you must…
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Why do some banks help scammers?
When you approve a payment via your bank app for a specific sum, why does the bank algorithm not have an alert when a much higher, unauthorised amount is taken by the retailer? Why don't they require you to re-authorise the larger sum? It seems that authorising a small sum effectively opens your account for potential…
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NatWest / RBS £200 switch offer (06/05/2026 to TBC)
Launched today. £200 switch offer. NatWest offer RBS offer 1: Open a new Select or Reward account from 6th May 2026. 2: Complete a full switch using the Current Account Switch Service. 3: Pay in £1,250 (all together or in smaller amounts) within 60 days of switch completing. This must remain in the account for at least 24…
