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Budgeting & bank accounts

Archives for July 2015

Australian Dollars in the UK
I have Australian Dollars in an AUD account in a Turkish bank (long story). Can I open an AUD account in any UK bank so I can send it from my Turkish AUD account to the UK one?
Paying US DOLLARS cash into a UK account
Hi Can you pay US dollars into a UK bank account or is the only way you can do this is to convert the dollars to pounds first?
Nationwide Android banking app
Is anyone else unable to use Nationwides "quick balance" bit of their banking app ? I used to be able to get a balance, without logging in - no longer - it just sits there, and fails ......
Tesco Savings
Just transferred some money from Internet saver to a current account - no probs but tried to transfer from my Instant access and got 'unable to complete transaction at this time' (or wording simlar.....) Logged out and back in again.....same Cleared funds are there and 'available' Anyone else had similar probs?
rbs blue debit card
Hi sorry if this is another post about similar topic. Just received my rbs debit card - i live in england and its blue does this mean its the good or bad version cant work out if the offline card is blue or not. Its contactless if that helps
Lloyds Bamking Group First to announce!!
The change of term and conditions regarding the government agreement in 2014 to allow customers to have a fee fee basic account. Allowing basic account holders to withdraw up to £500.00 at an atm :)http://www.lloydsbank.com/assets/media/pdfs/current-accounts/personal_banking_terms_and_conditions.pdf#page=28
Most popular bank
Perhaps not a money saving question as such, but with lots of us switching our bank accounts, I wondered if there were any figures on how many customers each bank now has. I've seen a few articles about how many customers banks were gaining and losing, but they don't seem to mention how many customers each bank still has…
The bank of Pleb
Is it not about time someone set up a bank for plebs, to hold an account with the bank of Pleb, your income must be above 10k, but not exceed 50k. Account holders must be employed. The debit cards will be made from a high grade material, and branches will have log fires with tea and coffee provided. You will pay £10 a…
Prepaid Card
Hi guys, I'm looking for a Prepaid card (or rather two - one for my partner) simply to use on the Tube and other transport while we're in London for a few days. I don't want to use my normal bank card for obvious reasons. It needs to be contactless and fee-free or as close to fee free as possible. I've considered Kalixa…
Maintaining Santander 123 with Redundancy Payout
I've been made redundant from my current job. I'm using the money to give myself a bit of a career break, but I hope to be working again by Christmas (or perhaps before). I have a Santander 123 current account, which has been generating a small amount of interest and cashback.. I know the account only pays interest if you…
Foreign currency accounts
Hi there, I'm new to the MSE forum but thought I would post this here since I've gotten great advice on many topics before. I have a current account at Lloyds Bank but I want to be able to exchange currencies and store credit in a USD or a EUR bank account. I know people who do this quite a lot in other countries (e.g.…
Best joint bank account
Hi, Me and my boyfriend are about to buy a house and move in together, we are looking to set up a joint account for the bills and mortgage payments. Can anyone recommend a good one? I couldn't see any reference to joint accounts in the normal 'best bank account' section, and a quick search of the forums found nothing! Do…
rbs royal bank of scotland are they reliable now?
I have opened a spare account with them for spending and they have offered me a good credit card also. Bit unsure of how they are at the moment. Any one able to give recent feedback good or bad etc?
Direct debit's that don't cost money
Hi, I'm a big fan of switching accounts to get the switching bonus and have an account with 2 direct debit's just for this purpose. I want to switch to another account but I need to have 3 d/d to qualify for the bonus. I have no reason to set up any other accounts as I have no other bills to pay. Whats the best way of…
Masters Course Bank Account
Good morning, My girlfriend completed her undergraduate degree more than 3 years ago so is ineligible for a graduate account. She is now intending on starting a masters course in September. Please can you advise which student account (if any) is most suitable. Her masters course will last 1 year so she is not able to get…
Santander 123 account DD.
Yesterday I was accepted for the above account and want to know what direct debits pay the cash back. Apart from council tax, when I search the list nothing noticeable comes up. It says Virgin underneath the box but it doesn't come up when you search it. I'm wondering if EE, Virgin and Scottish power pay it? Has anyone got…
Claiming switch bonus twice at the same bank. Has anyone managed it?
Hi A quick question really. Has anybody opened a bank account at say TSB claiming the £100 switching bonus, switched it out to Co-op to claim their bonus a few months later, then, during the next round of switching offers gone back to TSB to claim again. I only ask because I've gone through all the offers the banks have to…
Declined debits taken off available balance.
Can't find much about this problem so thought I should investigate further. My story is as follows: I used my debit card last Wednesday to pay for a £30 family ticket at a local heritage railway. The first attempt was DECLINED even though the PIN was verified and I had over £200 of cleared funds in my account. The lady…
Halifax offered compensation for Control account
Hi, I want to know if I should accept Halifax's compensation offer of £75 plus any accrued costs or expenses or should let the Ombudsmen take the matter further. This is what has happened for me to get this point.... I have a current account with Halifax but accepted to have what they call control put on it. This is when…
Reclaiming bank account charges
Hi, this is my first time on here so not sure I'm posting in the right place - hope so! Anyway, I have started to claim my bank account charges back with a company. I understand they will take a fee, I'm just not happy with the amount of time it is taking, I have rang them a couple of times and they have said its with the…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Budgeting & bank accounts

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