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Budgeting & bank accounts

Archives for April 2012

Banker’s Draft, Building Society Cheque or Postal order…
Which offers the best value and where to get them? I need £60 for a holiday Visa application and the embassy only accepts these three methods of payment. I was shocked when I looked into this and saw the wide range of prices. I thought I would update MSE on what I had found out so far, and invite peopleto chip in with some…
List of Banks not doing contactless cards
They all seem to be sending these annoying contactless cards out now, and I was hoping that somewhere there was a list of banks that wont be having these or that you can have a card without it as I dont want it. I've just had to cancel 2 credit cards due to being told that the new cards issued by them can only have the…
change sort code
How do I change my sort code number. I opened a current account with Halifax online a few weeks back, and the sortcode was allocated to the branch nearest my house. However as I have to now use two current accounts with Halifax I opened one. Today at a branch outside where I live yet I still have the sortcode of the branch…
Which Current Account is Best for me Barclays or Lloyds ?
A bit of advice needed. I have two current accounts, one with Lloyds which is the Premier Vantage (Yes I do make use of all the benefits) and the other a Barclays Cash Card account. The Lloyds one I have 5k in and use it more for savings with no Direct Debits or anything, and anything that comes in to it I transfer to my…
Current Account with Contactless card for 15 year old.
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Santander ignored my complaint and continue to do so even after I involved the F.O
Hi Guys! I am going through a nightmare situation! 3 Years ago I read somewhere that I could reclaim bank charges and unarranged overdraft fees. Considering that I have paid £100's over the years, I thought I would give this ago, since I had nothing to lose. Santander agreed to cover new charges which we're applied after I…
Minimum deposits into bank accounts
Many bank accounts require you to pay in a minimum monthly amount, at least to get various benefits (e.g. Halifax Reward, Nationwide Flexaccount, Lloyds Classic with Vantage, First Direct 1st Account). My impression is that it's completely permissible to transfer in the required amount of money from another account and…
Should i get a student bank account or a normal one?
So I'm 17 at the moment, in the last year of sixthform, i have condition offers from universities but for 2013/2014 year, I am taking a gap year, so can I open a student account at the moment or will I have to get a normal account, and what accounts would you recommend, I generally wont have large summs of money in there,…
Recommend me a bank account for a teenager please
Hello, My daughter has just turned 13yrs old and is interested in a bank account Perhaps there's accounts aimed at teenagers. Perhaps some offer incentives. All help appreciated. :)
when is BoS Vantage current account interest paid
I opened a BoS Vantage current account on 21st March and have transferred over £1000 from my Halifax Reward account into it. When should I expect any interest to be paid into the Vantage current account?
Santander blocked VISA debit card notification time scales.
Have any Santander current account customers come across the time scale that the bank complies with to inform customers of a blocked debit card or declined debit card transactions ? Please quote the text or URL. If not, is there anything similar in general terms about accounts? There is provision in the online banking T&Cs…
Salary paid late, Company say its on time now compared to being early before
For the last 10 years I always been paid on the 23rd of the month. All my bills are paid on the 24th and the money must be in the account by end of bankign on the 23rd. Worked fine for the last 10 years. This month I wasn't paid on the 23rd, and after inquiring they said they are learning a new system and some payments may…
Joint accounts for bills/renovations
My boyfriend and I are very excited to be moving in together, and want to sort out our finances before we do. We are buying a house which is a good price but needs a lot doing to it, and so we've decided to set up two joint accounts: one where we both put a large lump sum in (maybe £20,000 each), which we will then use for…
A bit confused about bank accounts!
I'm self-employed as a freelance contractor and am looking to open up a second current account to hold my pay in and pay myself a regular monthly wage so my accounting is a bit clearer. I don't really want to swap my main account (Barclays), although I know that I'm missing out on various rewards and incentives because of…
Faster Payment - not so fast, 4 months later and still hasn't got there!
Back in December I made a faster payment to a Capital One Credit Card. I've made numerous payments both before and after to the same credit card and all have got there apart from this one in December. Nothing has changed with regard to the payment details at all from my end, it's the same card number, sort code, account…
First Direct - Standing Orders
Does anyone know if these go by fast payments (so arrive on the day they are sent) or BACS (taking 3 days). Thanks
Banking Weekend Woes
I am intrigued to establish why it is that when we are all encouraged and, progressively, required to conduct financial transactions on-line, the Banks do not work over the weekend. I am a customer with NatWest. I am paid on the last day of the month. My mortgage (also with Nat West) is taken on the last day of the month.…
Banking Blues & Insurance Woes
I'm new to this so please excuse any blunders. In 2002 my husband and I opend a new bank account. Included in the account was free travel insurance. In 2004 we were transferred to South Africa. We informed the bank in writing that this was taking place. I am in receipt of a letter from the bank thanking me for informing…
Pros & Cons of an Overdraft
What are the pros & cons of an overdraft? I got my first (very modest) one recently when applying for a new current account with a new bank. I have read that the best use of it is to have one but to never use it. Does using even £1 of your overdraft display poor money management with regards to credit history etc. I have…
business bank accounts - where??
Please help, Long story short I have a business , all great, have a business bank account because i have good credit, my partner does not, she consolidated debts 3yrs ago and has been happily paying them off. Now i was selling my old business on day of completion the landlord was found to had been in administration for the…

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Budgeting & bank accounts

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