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Halifax Reward Account - £5 reward (Jan 2012)
Has anyone received there £5 reward this month, i made the regular £1000 deposit last month (Dec 2011) but cannot see the credit. Usually credits are applied on the next business day and backdated to the first, but this does not appear to have happened this month Thanks Regards Sam
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Banks - to switch or not to switch??
Hi all, I'm with HSBC, and I have been for probably 6 years now, but recently they've been peeving me off a little. I very rarely go overdrawn, and never by more than £20, however, HSBC charge me £25 if i go overdrawn by £1 or more! Which is alot of money, because I've just turned 20, and earn just short of £150 a week at…
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Basic bank account or savings with cashpoint access?
Happy New year all! Does anyone know of any basic bank accounts that offer cashpoint withdrawals only but can't be used in store. OR, what used to be 'solo' cards I think? Which you could use to purchase in stores but only if the cash was actually available in your account. DD is trying to get her finances in order after…
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Lowering electricity costs
Currently I spend about 20 pound per week for electricity and was wondering if it's possible to reduce this cost by switching to a new provider? My current provider is Scottish Power.
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Higher online banking payment limits from 1 January 2012
Some of the online banking services have raised their online payment limits. The ones I know about have these new or unchanged limits, checked with customer service: First Direct: increased from £10,000 to £100,000. Still a star. NatWest: still £10,000 outbound. Unlimited inbound. Go to a branch during business hours to do…
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Keeping track of account balances
Hi I used to be with egg which I loved because they let you add log in details for all your credit cards, current accounts etc from different companies. It meant that when I logged on to egg I could see all my balances at once. I was just wondering if there was anywhere else I could do this now that egg is no longer an…
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Yorkshire Bank
Hello, I would be grateful if anyone who has experience of Yorkshire Bank could advise as to their performance. Thanks
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How does a bank decide your overdraft limit?
Hello, I'm looking for some advice please. Do you know how a bank decides how to set your overdraft as whatever limit it may be? could I ask what the average overdraft limit is here in the UK? I recently joined the Bank of Scotland and they've set my overdraft limit as £100... seems a little low, what do you think? they…
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Average 2 bed flat bill prices?
Hi guys, my partner and I are close to moving out but wanted to make sure that we can afford all the bills by having an idea roughly. Just wondered if anyone could shed any light on average 2 bed flat bills in Essex? we would both be at work in the day time going out at approx 6.30am, 1 of us coming back approx 3pm then…
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Deactivate Internet Banking?
Hi guys, About a year ago, I closed my bank a/c however assumed the I/B service would be deactivated a few weeks after closure etc. I tried logging on and was successful. Does it make a difference if it has not been deactivated, internet banking service that is? Or should I call up and tell them to deactivate it? Sorry I…
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MSE News: Co-operative Bank to suspend overdraft interest for three months
This is the discussion thread for the following MSE News Story: "Co-op will give a respite to some customers, but those who breach their overdraft limit will still pay fees of up to £20 a time ..." Read the full story: Co-operative Bank to suspend overdraft interest for three months
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Android App - Money Toolkit
Hi Folks, Apologies if this has been covered elsewhere. I bank with Smile and have recently started to use an App called Money Toolkit. It is available for Android and iPhone. It provides access to your bank balances, and allows a drill down to transactions in each account. I find it fantastic and the first mobile app that…
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Best document retention policy for domestic purposes?
What is the recommended document retention policy for domestic purposes? The 'End of the year' means sorting out lots of papers. Could someone give me some advice please about how long it is necessary to retain certain documents? Obviously some would be forever and some after so many years. I have always been a bit stuck…
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Payments above FP limit
As I'm sure all regular readers of the forums will know new rules came into place on 1/1/2012 to ensure all payments reach the recipient's account by D+1 at the latest. This fact sheet suggests that banks will still be able to charge for CHAPS payments over £100K, but there is an implication that any payment that is over…
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Small business online bank account, advice?
Hi I want to move my bank account away from Santander, who took it over from Alliance+Leicester. The main attraction of A+L was that it was completely free if you weren't paying in cash (e.g. like a shop), so it was great for my business. All our payments are b2b online transfers and the turnover is <£250k per year. We…
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Nationwide FlexAccount - Interest Added?
Just looked at my FlexAccount statement and found this confusing transaction: 31 Dec 2011: Interest added: Gross interest £0.00 Tax deducted £0.00: Paid out: £0.00 Confusing things: Interest on a FlexAccount? Never seen that before. It's stated as "Interest Added", but the £0.00 is in the "Paid out" column. Anyone else…
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Faster Payments Question
Hello all, Hope you had a good New Year Just a quick question on faster payments, I know the limit for transferring is into my account with Halifax is £10,000 per day but was wondering whether that applies to your set out accounts or just the account in question? For example I have 3 Halifax accounts- one sole, one joint,…
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Halifax £100 Opening Bonus
Happy New Year! I'm not sure if this has already been posted, but I noticed in my local Halifax that they'll be paying £100 if you switch to their current account for accounts opened from the 3rd of Jan.
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Humans making decisions!
Hi all I currently have a Natwest step account (went through a bad batch about 5 years ago so this was the only account I could get then) and although they keep trying to 'sell' me the upgrade, whenever I try they (their computers) always say no!! So that, along with the changes they have made recently, make me want to…
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Thinking of setting up a 2nd account with RBS only for my DDs
Does anyone else do this? I find it hard to keep track of my money, so I was thinking this might be a good method, just transferring the funds to cover my DD's to a separate account. Do I need another current account or is it called something else?
