-
Best account for paper statements
I need to build a collection of bank statements in addition to utilities for visa applications in the next few months (online/PDF prints are not accepted unfortunately). Are any banks particularly good at sending lots of paper, at a minimum monthly statements, without charging directly (or indirectly by losing benefits…
-
Santander or First Direct as current account?
Hi. After many, many years of not doing much with my money I'm looking to switch away from HSBC as I'm getting basically no interest on my accounts. I have a HSBC advance, flex saver and full cash isa with them that I haven't touched since last year. I'm planning on getting a Santander 123, filling it and leaving it,…
-
Transferring Funds between Account to Earn
Hi All, Does anyone do this to a meaningful extent to make money? My attempt is very small: Salary is paid into my Halifax account - I earn £3 per month. £1000 is transferred to my Nationwide Flexdirect account that earns me 5% on the £2500 balance per month. Overall I make around £13.66 per month from this. How does…
-
bureaucracy
Word of warning here! If applying to open an easy access account with Bank of Cyprus, be prepared for ultra bureaucracy. Unlike experiences in the past with Halifax and Leeds Building Society where you just open it online with your personnal details, thay want a certfied copy of either your driving license or passport,…
-
I get paid monthly he gets paid weekly
Hi all As in the title my pay is monthly OH pay is weekly. Despite having a very basic spreadsheet set up with incoming / outgoing etc we are constantly overspending. I dont think I have calculated my figures correctly. Any tips from anyone in a similar situation with weekly & monthly incomes? Thank you
-
Monthly Fee and Bank interest received
Several bank accounts offer a high interest rate and charge a monthly fee. So 3% on £20,000 is £600 but if you are a basic rate taxpayer (and have used your £1000 tax free) you will pay 600 x 20% = £120 tax as well as the monthly fees £60 so in effect you are only getting £420 which is 2.10%. Always worth looking at the…
-
Pocket Money
Morning Everyone! Hope you are well and had a great weekend? I've been busy sorting my own Flylady plan to keep on top of the housework. The OH is loving it already! My question though for this thread is that I have been toying with the idea now of drawing out my money and keeping it as little packs of 'pocket money' as I…
-
TSB Paper Statements
Hi everyone, recently changed to paper statements as it helps me keep on top of my finances better. Just wondering how often do TSB send out a paper statement, for example my first statement was sent out on the 22nd April, I know most banks do it monthly so will it be around 30 days after my last statement i.e. the end of…
-
Opening a second current account
I'm looking to open a second current account in order to transfer spending money to every month This is in the hope that I can steadily build up a buffer in my main account (where all my bills will be paid from). I'm just wondering if there are any of the cashback deals available which do NOT require closing the other…
-
Edward Elgar £20 Notes
Hi all, hope someone can help. I just got given a few hundred pounds of old £20 notes. I've checked the Bank Of England pages and that says I have to take them to BoE in London to cash them in. The person who gave them to me told me that high street banks will take them as a deposit into an account. We bank with Santander.…
-
Marks and spencer
Hi All planning to switch bank accounts (cahoot) to M&S bank but i dont have a salary going into the account being switched (cahoot), just a standing order from another account (first direct) which receives my salary and i dont want to close.Am i able to do this or will they only accept a direct salary payment for the…
-
What happens if you lose your Metro Bank debit card?
Do you have to go to one of their branches for another one printing? Or can they post you a new one out? I'm asking because I'm from Leeds and this is an account I discovered and been wanting to get since I was away for a while last Summer, although you can only apply within a branch but with them only having branches down…
-
Anyone tried Starling Bank?
MoneySavingExpert.com Insert: Hi, if you're looking into app-based banking we have a fully researched guide that may help. App-based banking Back to the original thread... Headlines (for me) are 0.5% interest (.25% above £2000 from June 2017) and no card fees for international use. Any experience (positive or negative)?
-
Some one using my address for bank accounts
Hi, i need help from somebody,who living my address before they still using my address for bank accounts ,and using redirection from royalmail.can someone give me idea how can i stop this people using my address please.
-
Impossible overdraft
I took out a business overdraft approximately 15 years ago to cover wage bills etc. After falling foul of a vat confusion I ended up restructuring my business but the 10k overdraft is still at 10k as a result of only ever being able to keep up with the charges they keep putting on it. At one time I was paying over £300 per…
-
Joint bank account with no effect to my credit rating?
Hi all, I'm hoping someone can help, I want to open a joint bank account with my boyfriend but his credit rating is not good, mine is not top ratings but good enough so I was wondering if there is any way of getting a joint bank account without his credit rating affect mine. Any advice would be greatly appreciated. Thanks…
-
Jade by HSBC Premier
MoneySavingExpert.com Insert: You can find the best buy Packaged bank accounts including Premier accounts in our fully researched guide: Top Packaged Bank Accounts Back to Pincher's original post... --- There I was, sulking that no Private Bank will have me, because I am too poor, a letter dropped in about the Jade by HSBC…
-
Banking - The Voluntary Code Of Best Practice
Hi, The Voluntary Code of Best Practice - In May 2014, the Payments Council established a voluntary code of best practise for banks to follow in order to try and make it easier for customers to reclaim misdirected payments. How do I find out whether my bank First Direct signed up to this code? Appreciate any help. Thanks
-
Budget overhaul advice
My situation: Household income of about £80k (dual income, no kids) Personal credit card debt of £8k Shared credit card debt of £10k Husband overdraft of £1k Savings in a crap rate ISA of about £1200 Homeowner with 16 years left on a lower than overage sized mortgage There's plenty more but I think those are the main…
-
Barclays stopping my mum buying a house
Hi My mum is an expat pensioner in Spain and right now I'm in the US on holiday. My mum is leaving Spain and buying a house in the UK. My mum has banked with Barclays for over 40 years and I have third party access. Unfortunately Barclays refused to give me internet access so I have to log into her account as her to make…
