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What's a sensible buffer?
Hi folks, We're looking at taking another step up the property ladder, and trying to figure out how much of our own money we can sensibly pour into this. If you take my word for it that our income stream is totally safe, what do you think is the minimum amount of money we should keep back as a buffer against unexpected…
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Bank Account for Poker Player
Hi I currently have a paid for bank account with HSBC (HSBC Premier I believe). I am looking for a recommendation on a bank account that will allow me to hold my money (preferably with a decent interest return!), but more importantly will allow me to withdraw relatively large sums (up to 2k per day) on a regular basis and…
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Paper Statements
I always kept my Nationwide account set to paper statements for ID purposes, however as I've gone for the 5% on FlexDirect, I won't get paper statements for the moment. This leaves me with Halifax or Tesco Bank to get paper statements from. I'm leaning towards Halifax as it's a high street bank, however I just wanted to…
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Natwest Rewards Current account BEATS Santander 123 !!!
Hi All Just stumbled upon the Natwest Rewards a/c. Done a comparison and i am losing money with their calculators and i'm losing money with Santander with the £5 month increase fee. Anyone else looked into this ? Cheers
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Prolific Spender, needs help
i will tell you a bit about myself, and then the issue: I was diagnosed with Autism (now ASD) at 18 (i was recieveing benefits - DLA - since 16 and Incapacity since 18)... My dad never let me see my money, if i wanted anything he would just give it to me (it went into his account you see). My parents never taught me how to…
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M&S Reg Saver now needs DDs....
...on the current account that feeds it. I've just read terms of their new switching offer and they state that 2 direct debits are required on the current account before a 6% regular saver can be opened or renewed. http://bank.marksandspencer.com/pdf/CACass.pdf Can they apply this condition to current accounts opened under…
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TSB Online Problem with Standing Orders
Hi Folks, I have had a problem for the last few days with my TSB online account management. I am unable to view my Standing Orders and I am unable to create any new Standing Orders. Everything else is working correctly. Is anyone else seeing the same thing or can anyone else confirm that it it ok for them? Many thanks, SB
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advice on bank accounts for self employed purpose
Hi I need to set up a separate account for self employed work and I am not sure if I really need a business account or not or whether I can simply have another current account in my self employed name. It is not a limited company and its purely freelance tutoring alongside day to day paid employment so we are not talking…
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SEPA Payments from LLOYDS or other UK Bank
Hi There, Here's a question for you, guys: Regulation (EC) No 924/2009 on cross-border payments in the European Community eliminates the differences in charges for cross-border and national payments in Euro. It applies to payments in Euro in all EU Member States. The basic principle is that the charges for payment…
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FlexDirect interest cap
i have been keeping £2500 in my Nationwide FlexDirect account in order to generate 5% interest on the full amount. my understanding was that funds above that level would not generate interest at 5%. but i have just been told that holding a balance above £2500 has prevented me from earning 5% on the £2500. does that seem…
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will i have to speak to anyone if i sign up for online banking?
i have been thinking about signing up to online banking considering i haven't done so. it would be very useful as well, but i don't want to have to speak to anyone or answer a ton of personal questions to do so. my bank is halifax if that helps.
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M&S Switch voucher now £220
Only for new switchers and accounts but you now get the £100 plus £10 per month if you pay in £1000 and switch 2 direct debits. http://bank.marksandspencer.com/pdf/CACass.pdf Edit: this is a M&S voucher, not cash, unfortunately
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App for That?
Hi all Daft question. How do you keep track of your finances? Currently I have a excel spreadsheet. A tab for each month. I'm now finding it antiquated. I enter each entry, and move the money across when the money has left the account. Surely there is an app that would help. Does any one have any advice which are the best?…
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HSBC online issue - the other side
You have every right too be angry, expect answers and complain about the online banking issue that's stopping you from logging on and checking your account and making payments. I understand that you need to do important things on your first day back from the Christmas holidays. I understand that payments need to be made to…
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Lloyds blocked my account
Alright, so used my account on some Chinese website and I think it shows as I used my card in China. I have to go into the branch to get my account unblocked. They said they left me a voicemail with a code that I could of used to unlock it through the phone, couldn't find it, so have to go in with ID to confirm…
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MSE News: HSBC customers hit by online banking outage
HSBC customers have been unable to access or use their online accounts since 8am today (Monday) after a major technical problem with its internet banking system....Read the full story: 'HSBC customers hit by online banking outage' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t…
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£157.50 cashback from TCB for opening Co-Operative Bank Acc
Seems like very easy money! No monthly fee Online and mobile banking 24/7 support Contactless card (subject to status) Overdraft can be arranged (subject to status, you must be over 18) Must be a UK resident aged over 16. Potentially no mention of any switching :/…
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Charged twice!! Overdrawn
Hello Okay i will start with the fact my husband purchased a tumble dryer from john lewis. They then decided to charge twice, all that has been explained to me by customer services is they hold his money we have heard of a term called ring fencing however have no clue how this all works. The part we are very frustrated by…
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Vodafone vs TSB
Hi! I'm looking for some advice.... Back in November I opened a new account with TSB. It offered £125 cash back when £500 was deposited and two direct debits transferred to it. I put the money in and called Vodafone to transfer one of the two direct debits required (the other direct debit went though successfully). However…
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Switching bank accounts within the same group
Is this possible, or because they are owned by HSBC will the switch incentives be rejected? RBS > HSBC (£120) > First Direct (£150+£100) > M&S (£100)
