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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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Why so expensive to get ID in the UK? Why no free national identity cards?
My partner and 16,19 and 21 year old sons need ID for opening bank accounts. Proving their identity is very difficult so we've decided to apply for passports for them even though we have no intention of going abroad. All the costs of getting 4 passports is going going to cost about £450 and they will need renewing every 10…
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Santander 7% linked account
Hi all I'm a serial bank switcher and am interested in switching to the Santander edge account as I have a small lump sum that I could also move to the linked 7% account that you get access to with the edge account but I don't know how long I would be with the Santander because if another switch offer became available I…
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Contactless use ATM
Is there any atms currently utilising contactless features for withdrawing cash or use via digital cards?
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Santander £175 switch offer 14th May 2024
There is a new Santander switcher offer but you can’t have ever had a switching offer from them before. More details here https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/#santanderswitch
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Moving abroad - savings rates and tax
Ive had enough and Im planning on moving abroad this year. So, wanting to know if my funds will be better off in the higher rate standard savings account (4%) than my ISA (2.5%) that I currently have? Which will out-pay between the two? If its the latter would I be better off sticking it all in the higher rate account and…
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NatWest/RBS My Rewards Update
Guessing it's for RBS too but got this from NatWest today:
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Joint First Direct "tasks" for £175
Just a quick question. We're opening up a joint First Direct account. Do both of us need to use our debit card 5 times, or is it 5 times between us in order to qualify for the joining bonus? Thanks in advance, I am confident someone here will already have done this. 😁
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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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Would I be subject to US tax and should I tell the bank yes?
(Repost because I prematurely put out the other post by mistake and it won't let me edit or delete.) Heya Sorry, if this is the wrong forum, please do move this post and let me know. I recently posted here two weeks ago asking about whether I was correct or not to opt for the everyday current account or whether I should go…
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USA Tax - do I need to state I may be subject to USA tax even if I don't make the theoretical £100k
Heya Sorry, if this is the wrong forum, please do move this post and let me know. I recently posted here two weeks ago asking about whether I was correct or not to opt for the everyday current account or whether I should go for the basic one first. So, I went to the branch this Wednesday like
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Co-Op withdrawing Everyday Rewards
Should save me some time each month
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Unethical Co-op Everyday Extra Packaged Travel Insurance. No longer fit for purpose...
From June 26th 2024 Co-op Everyday Extra is removing cover for "End-supplier failure" (insolvency) i.e.when any travel or accomodation or service provider become insolvent and fails to provide what you've booked and/or paid for, even if you've already booked your post-June 26th holiday prior to June 26th. Notwithstanding…
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Smile Bank suspended new phone app applications
I have been with Smile since 1999 and in the last few months I have noticed that they seem to be running down the services. First came with the smile more accounts no longer able to perform the benefits on line. Then I changed my phone and since then I have not been able to have the banking app on the new phone. Customer…
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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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First Direct - £15 e-gift card for 15 transactions. 16th Feb 24 to 7th Mar 24.
I did a switch to First Direct last month and received this e-mail yesterday. The T&C's (link) also mention a 2nd "incentive period" running from 8th Mar 24 to 28th Mar 24. Not sure if I only got this due to my recent switch. Debating if it's worth doing or not as I'd have to do more transactions than I normally do. I…
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TSB £160 + other perk switch offer 23/5/24
Good afternoon, TSB have launched a £160 switching offer, available to those who open a new Spend & Save or Spend & Save Plus current account and haven't received a TSB switching offer since 1/10/22. As with previous offers the offer is paid in parts, you will receive £100 for switching and making 5 debit card payments.…
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Suspect bank statement is fake
Ive have been given a bank statement from someone but Im quite sure its fake. Its a Natwest Bank transaction statement but despite contacting Natwest they wont verify if its a fake or not. So im stumped as where to go with this. I have nothing to compare it with but certain things dont look right like OD beside a zero…
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Money moved between my own accounts before being stolen. Neither bank willing / able to help.
Hi there, I’m not sure if this is the right place to post but I’m looking / hoping for some advice on any available options to try and resolve the situation outlined below. In short though, I: * Have had ~£3,100 of my own money stolen. * Am responsible for a £12,000 loan that was taken out in my name and stolen. * Am stuck…
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Nationwide £200 switch offer 23/5/24
Nationwide have now launched a £200 switching offer for existing members as of 31/3/24. To qualify you must switch a current account to Nationwide with at least 2 active Direct Debits. Those who have received a Nationwide switching offer since 18/8/21 are ineligible. For further details see:…
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Mother was a victim of Whatsapp scam fraud - will she get her money back?
May I first and foremost say I do hope that people will be kind and will not use this thread as a lecture to say how silly she was or that it is her own fault. With that said, my 75 year old Mother fell victim to the "Hi Mum" Whatsapp scam that has been doing the rounds and she transferred just under £1,000 to a complete…