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Budgeting & bank accounts

Archives for April 2005

Clearing times and "Floating monies" RBoS
I have a Royal bank of Scotland Credit Card and all my accounts are with RBoS. I use internet banking for the majority of my transactions. I Recently made a payment to the credit card using the internet, April 7th. The money was removed from my current account straight away. It appeared on my credit card statement (online)…
HSBC counter service
Thought people might like to know.. Just been to the HSBC and they have a small notice on the counter which I wouldnt have noticed but for the queue that says from 23rd May to improve counter service for customers they will provide counter service to HSBC customers between 11 and 2 and non HSBC will be charged £5 per…
How long should you keep bank/credit card statements?
At present I keep bank statements for 12 months. I keep all my credit card statements. I also keep all my statements to do with my loan, currently 18 months of 3 year loan. Just wondering how long you should keep this kind of stuff for and why? Apologies if this has been covered elsewhere (I have done a search) and thanks…
free £50 without putting salary?
after transferring my abbey account over to Lloyds TSB classic plus account, I thought the t&c said you had to pay in your salary each month of at least £1000 in the account. I've only had it for nearly two months and I've had put in £1070 and still got a £50 bonus. Not sure if anyone else had the same experience, but im…
HELP! should i get rid?
i currently have a £600 overdraft. this month i got paid a lot more than i thought, now should i get rid of my overdraft now i can afford tolive without it for a month or not. - does it look good to creditors to have it - its just im always in it! every single month by 4 or 500 pounds.
A&L vs Lloyds vs Citibank
Hello, I am thinking about transfering my current account from HSBC to Alliance & Leicester 5% on 25000. Martin's recommendation is however for a higher salary to go with Lloyds TSB, since it pays 4% on 5000. For those even higher Salary should Citibank direct 4.5% on everything be the better choice. However I don't see…
NATIONWIDE current account
Wanted to open one for my hols. I was informed that they would have to do a search for their flex-account, but not for their BASIC a/c. I would want to use this no-frills a/c for cash withdrawls in Spain. Has anybody used this route and how easy is it to find Citrus cash machines in Spain?
Can't get a UK account
A friend of mine (currently living and working in Germany) recently took out an IVA. She has since applied to a number of UK banks for a current account, without success. The reasons given vary from her being unable to provide a utility bill with a UK address, to NatWest refusing on the grounds that she's bankrupt! ( she's…
HBOS predicting my moves. Just not right
I am with Bank of Scotland, now Halifax also. I have money coming off in a few days which I am aware of and shall be putting cash in to cover this tomorrow. The bank however are aware it will be coming off in a few days time and will not allow me the money now. Cant get to grips with this at all. I have many items pending…
Sunday is working day for Bank
Isn't it strange how my bank takes out money on a Sunday, but will not count Sunday as a working day when it comes to clearing a cheque. I am with the Halifax, and below is my online statement from yesterday: 24 Apr 2005 Standing Order - 150.00 Standing Order - 1,170.00 This is from my online bank statement the Halifax.…
Living Abroad with UK Bank Accounts
I am moving to Italy for a couple of years this summer and will be retaining my UK bank account and credit card. My bank charges 2.75% and my credit card 2.65% when I use my card abroad and there is also a charge for withdrawing cash from an ATM (Min £2.00 Max 4.50). Does anyone know of a better option or a bank account…
joint current accounts ??? best and pros and cons ???
My partner and i are looking for a joint current account she is french and has difficulties opening a simply bank account (why do banks do this ???) so was wondering if you folks knew a way around this or what is best to do ! Facts i earn less than 15,000 a year she is pregnant so assume no income for now(while we wait on…
do nationwide charge for going overdrawn for 1 day
:confused: Recently money has been tight and my partner and i have overspent on our joint flexaccount but has always transferred money from my flexaccount to the overdrawn account at what point do nationwide charge for being overdrawn as we appear not to have been charged yet is this because we transfer money that day or…
Can we have an Offshore Account discussion or article please?
Hi I recently joined the site and posted a request for information on offshore currrent accounts. I received just two responses, one of which I didn't understand fully and posted to that effect. However no further explanation has been made some weeks later. Whilst plenty of advise for onshore customers is given, there…
Banking in France ???
Does anyone know what the banking system in france in like ??? i have a french partner and we travel maybe 5 to 6 times a year to visit family and holiday. so rather than bring moeny with us use an account there instead. my partner has no idea about the banking system either here or there just so long as she has a card to…
3 day clearance tactics
Can anyone confirm if this following is right? I have a big sum of cash which I want to transfer from account A to Account B, using webbanking for account A. A pays 3% interest, and B pays 5%. If I understand right, it will take 3 banking days for the electronic transfer, during which I will earn no interest. But I think…
Bank Account Setup Proof of Address
Hello All, I've just moved to the UK and I'm having BIG troubles with the UK bank's proof of address requirements. I'm currently renting a room in someone's apartment. It's not an official tenant agreement and I do not have an utility bills in my name as my landlord pays all of them. There are agencies who seem to…
Abbey: stupid charges for telephone banking and a way round
I wanted to transfer some money from my Abbey current account into my sister's account at another bank (not abbey). They wanted to charge me £20 or so (don't remember exactly) for an electronic transfer! Didn't think about it at the time, but next time I called I said I wanted to make payments. They asked if these were…
cahoot £250 interest-free O/D
How is interest charged if you breach the £250 interest-free zone? I've taken it down to -£245 and left it there. So far I haven't been charged anything. But if I have a direct debit taken out of the account [still remaining within the O/D limit of £500] and I then top up the account the same morning to take it back above…
Bank card= switch/vasa debit/connect?
Can anyone enlighten me to what banks provide what cards? Since a lot of the banks have got rid of switch and changed around their debit cards, can anybody give me a list (or just an idea of what your bank provides) with regards to the debit cards they supply? ie - Abbey went from Delta to Visa Debit and Halifax went from…

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Budgeting & bank accounts

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