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Budgeting & bank accounts

Archives for March 2016

Monthly payment advice
I've just set up a few a/c's for interest benefits. I've got a couple of TSB's, and I know I can transfer the £500 between the 2 TSB a/c's to satisfy the criteria. I have just opened 2 Club Lloyds, 2 Tesco current accounts, and 2 Bank of Scotland current a/c's. My question is (that I'm sure has been asked but I couldn't…
Halifax Issue - "collections"
Hello Im new here and really need some advice. I had a lloyds bank account with a large overdraft which went into a Debt Relief Order last year, I since opened a halifax account. Its a basic one but they told me if I use it well for 12 months they would probably upgrade to a full current account blah blah I since found out…
TSB vs RBS
Hi all Classic plus TSB is a great account but my income is very small to really recieve many of the benefits of it RBS select account doesn't give anything but heard the app is really good. Any thoughts ? Looking for good customer service and good banking services. Also will using one bank account (salary paid in bills…
Joint accounts
Good evening moneysavers. My partner and I have decided that we want to open a joint bank account together so that we can better control our household finances. We would both like to keep a separate account so that we can pay into it a little 'pocket money' each month and still use a debit card. I know we can both get…
Apple pay
Hi all, I currently have an Apple Watch, and have waited a very long time for Barclays to pull their finger out and support the service (they're the last major UK bank to adopt the service), only to be told today that they won't offer the service to me, as I only have a "Basic Barclays account". I'm unable to upgrade my…
Bank account name important?
Hi i am just in the process of opening a natwest account. my name kevin was autocorrected thanks to google autofill to kev. (the name on my email short address) this was carried forward onto the account application and i didnt realise. The account was opened all my correct details etc except account name kev pearson not…
Halifax has been showing pending transaction for two weeks
If you use Haifax online banking you'll notice a small plus which you can click for additional information it shows there's a pending transaction of £250. I tired to deposit £250 into a site on the 17th but it was declined the first time so I tried again and it was accepted, £250 was taken from my account last week but…
Switching after applying for credit...?
So I have just switched my personal account and am now looking to switch our joint account, but just yesterday we applied for credit to get new doors and windows. is it best to wait until the credit is up and running before switching?? Or can I switch today and the creditor will be told of this?? I'm new to the whole…
Club Lloyds Monthly Saver standing order?
Upgraded my old account to Club. Opened the Monthly Saver. Can see both in my online account. Monthly Saver is supposed to be credited monthly by a SO. However, when for Club Lloyds I click More actions > DDs and SOs > Set up a SO > To One of your accounts - I don't have the Monthly Saver in the drop down menu "Your…
Advice - Couple getting 'joint account' without linking names in credit history
Hi everyone, I would be very grateful if you could help me. My boyfriend and I want to get a joint bank account so that we can pool a percentage of our wages. However, we don't want to get a joint account because this will link our credit histories. What is the best solution? I was going to open a second bank account in my…
UK Banks & Data Aggregators (Yodlee)
Hi, I have recently started looking at personal financial software apps such as Money Dashboard and Pocketsmith. Whilst the premise looks good it's still unclear as to where this leaves you regarding bank fraud guarantees if you provide your login details to these services. I notice Halifax have added the below clause to…
First Direct - service not so great anymore
Hi, I just wondered if anyone else has found this? I used to find nothing but brilliant reviews about this bank so I switched to them a couple of years ago and so did my husband. When I originally switched over to them I was really impressed because whenever I called them the would often answer the call immediately/ after…
Quick question about moving money between accounts ?
Ive recently opened a santander 123 account and have had all my direct debits switched and my wages are now going to be paid in to it. Im planning on keeping £20,000 worth of savings in this account to make the most of the 3.0% Im also planning on opening a nationwide flex direct 5% for 1 year account. Im planning on…
Best Rewards Card
Hello, I currently do the TSB 5% cash back on contactless purchases, and then once I've spent the £100, I spend on my Barclaycard for there Freedom Rewards points. My question are there any other/better reward schemes for cashbask/point bonuses on any cards Thanks James
Natwest, Take money from my LTD account for personal arrears
Good afternoon, Not posted here for a while but twice Natwest have took money from my LTD Company account to pay my personal mortgage arreas without any authorisation from me. This has caused many problems because this money is the only money I have, also it is needed to pay wages, the time it happened I was living out of…
Switching to an ethical bank - which would be right for me?
Hello everyone, I've been doing a bit of research for opening a current account with a more ethical bank. I think the most important things for me are 1. Online banking 2. Easy access to my money 3. The ability to withdraw my money from a cash machine in foreign lands (particularly europe and south america, but across the…
Money Stolen From Account ?
Hi All My daughter is going through a marriage breakdown, As a result they have split up and moved apart, she left with only the children and personal belongings. They had a joint account with the Nationwide but no access to it. She could not close this account as it was a joint account and had an outstanding overdraft. My…
Donor account turn around time
I suppose this is more of a success story thread than anything else. With the end of CB/YB £150/2% switch TOMORROW and the end of M&S £100 and £10 a Month TUESDAY What is the quickest time people have managed to: 1) Open donor account - Who, When, How, etc 2) Set up required DD's - Did you wait for first payment, Wing it,…
Joint bank account questions
Hi guys, I live with my partner. Previously we took turn purchasing joint things individually (food, travel, etc.). We then decided to use one of my credit cards as a "joint card" and she transfers me half. This is still a bit of a pain, as she's not paying me on the credit card bill date, so I manually have to calculate…
Santander Gold Current accounts
During a recent phone call to Santander I was invited to 'upgrade' my debit cards on my two 123 accounts to 'Gold' cards Having done this I now notice that the product name for one of my accounts is just Gold Account but the other is called Gold A/C Switcher.... I MAY have 'switched' into this account years ago when I…

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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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