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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 💸 Some useful links to MoneySavingExpert.com guides * How to open a bank account *…
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Danske £200 Switch Offer 18/4/24 (NI Only)
Good morning, This is probably quite a niche one as you need to live in Northern Ireland to open an account with Danske as a new customer but Danske currently have a £200 switching offer for those who don't currently have a Danske current account. See: https://danskebank.co.uk/personal/products/current-accounts/switch-200…
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Money to unknown account
Some time ago I transferred money to an account which apparently is not that of the intended recipient. What obligations do the banks involved have in regard to discovering where the money has gone ?
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HSBC blocked account after mortgage deposit
I just wanted to share a bad experience I have been having with
HSBC over the last couple of weeks with regards to my account being frozen over
two transactions. Currently, my wife and I are in the process of purchasing the
flat we currently rent from our landlord. My mum has very kindly gifted us the
deposit to get us…
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Halifax faster payment limits
Can anyone confirm if the Halifax online FP daily limit of 25k is per current account or per customer?
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Considering moving from Barclays to Starling for current account
I've been with Barclays for 40 years and thinking it's time for a change. I only really use Barclays for our joint current account and it usually has about £5k floating around in it. I've done research and for a start I'd get some interest on this balance rather than nothing. I'm just a little nervous. Any positive or…
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Santander Bank Switch ended
I applied to open a new Santander Current Account on 4th April (Their switch bonus end on 4th April, 11.59pm). My account finally opened on 11th April and the switch started on 11th April. Am I still eligible for the switch bonus? My account was opened after the switch bonus promotion ended.…
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Nationwide OFX file
I'm attempting to import OFX file generated by Nationwide into MSMoney Sunrise My “flex account” export to OFX appears fine as on import all transactions appear without error . My “credit card” export on the other hand appears to create a fully populated OFX file but only 4 of the 20 transactions are transferred during the…
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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…
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Does faster payments work instantly on bank holidays?
They are usually instant or withing 2 hours on a normal working day. Is that the same for bank holidays? Thanks (Sending from Lloyds bank)
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First Direct switching offer from 7 May 2024
The First Direct switching offer is back: Current Account | Open Online Current Account - first direct Terms and conditions: first direct CASS switcher offer Terms and Conditions
Effective from 7 May until the Offer is withdrawn. Who’s running the offer? first direct a division of HSBC UK plc (‘we, us’) is the promoter of…
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HSBC Advance £125 bonus + £80
Firstly, an update on the HSBC bank bribe. I opened the Advance account on 1st November, it took a couple of days, but my application was approved quite quickly, then it was just waiting for the account set up and card to arrive in the post (which it now has). These are the steps to qualify for the £125 bonus, in case…
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Co-op bank's obstructive and unhelpful "anti-fraud" policies
I'm currently looking for a new bank after several frustrating experiences with the Co-op. They claim that online transfers to another bank are "generally immediate", but in my experience whenever I attempt to transfer money to a new payee, they will put the payment on hold for at least several hours, and often for several…
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New Style Debit Cards
So which banks have the new Style Debit cards where all your details are on the Back the banks I know of so far that have done it, TSB Halifax First Direct RBS Chasse Starling Are there any other banks that are likely to change their debit cards in the near future, Do you guys/girls like the new design cards?
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Transferred money to closed credit card by accident
Hi, I transferred money from my Halifax Current Account to my old Halifax MasterCard account by accident. The MasterCard account was closed 5 years ago. Both accounts are with Halifax and in my name. This happened on Wednesday last week. I have contacted Halifax and I am getting conflicting answers as what to to do. Any…
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Cifas marker removal
I have recently found myself in financial difficulties and with the help of another thread I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any…
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Joint bank account for UK resident and non resident
I've been searching and am struggling to find an account I could open as a joint account for myself and my dad, who is non resident in the UK. Does anyone know of a bank account that can be held jointly by a resident and non resident? Thank you
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Joint account help/ideas needed
For various reasons I need to open a joint account, Starling fits the bill but I have had an account with them in the past and foolishly shut it down which means I can't open another one. I would appreciate any input as perhaps someone will give me an idea I haven't thought of, having looked at all the other banks I can't…
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Santander £185 Switch Offer: 18/03/24
From Santander website: Switch to Santander Edge, Santander Edge Up, Everyday or Private (v2) current account and get £185 Switch using the current account switch service. Within 60 days of telling us to switch your account, set up 2 active Direct Debits and pay in £1,500. Sorry we can’t offer this if you’ve received a…
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CHIP - number of debit card transactions per day
I know CHIP has limited the number of debit card transactions per day to six, but for the last few days I haven't been able to do more than three per day. Has anyone else noticed this?
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Full list of FSCS protected institutions in UK
Hello, does anyone have a list of all institutions in the UK that are separate from one another? I.e. if you had £1M that you wanted to spread across savings accounts (yes I know there are better ways, but just humour me), where could you put each of your £85ks (or £170ks in joint accounts) so ALL your money was protected?…