-
Any benefit to staying with your current bank?
The Halifax Ultimate Reward account just seems so good (on top of the #125 reward). I have been with NatWest for nearly 20 years and always appreciated their service on the whole. I am not looking to buy a house within the next couple of years, but are there ANY benefits to staying with your current bank financially?
-
TSB Classic Plus direct debit cashback
TSB's T&Cs state the two direct debits need to be to two different companies. Do they mean this, or will two direct debits to two separate Tesco accounts work?
-
£2000 into interest-free overdraft thats' about to end...
So I've currently got a Santander Graduate Account with a £2000 'free' overdraft. For the past three years I've usually been in my overdraft and I'm about £1800 into the overdraft at the moment. Unfortunately now after three years, my account will be changed in September to a standard Santander 123 Current account without…
-
Husbands Wages
Hello, Could somebody please clear something up for us? My husband is in a full time job, he gets paid the last working day of the month (today) But! His wages are never paid in until late afternoon (not in yet) Does anyone know the reason this may be at all? I'm just slightly miffed because my thoughts are that wages…
-
Halifax Overdraft Charges to Change (sorry if in wrong section)
Hi, Went into the bank at the weekend and they advised me that all charges on overdrafts will be changing from November and they will be sending letters out on the 2nd August to all there customers. How it currently stands is a charge of £1 a day if below your overdraft limit and £5 a day when you are over it. What it will…
-
Hotel Pre-authorisation holds
Hi. I was wondering if anyone that works in banking could tell me if there's a set amount of time before a pre-authorisation "drops off"? I've never had the problem before, as whenever Ive checked out of a hotel, the final bill has always seemingly been matched against the pre-auth. However, 7 working days after Ive…
-
Opening US account from the UK
Hi, I have just finished my PhD in the UK. Before I start a new postdoctoral position here in the UK, I will soon start a new job for Stanford University in the US through a visa J1. I will work on this project for just 3-4 months before coming back to the UK. In order to be paid for my work at Stanford, I need a US bank…
-
How do you manage your household paperwork?
Hey all. I was wondering how most people managed their paperwork. I have a filing cabinet, with old agreements, sorted into categories. I have a pile of opened letters on my computer desk and I have a pile of opened letters in the kitchen. I keep telling myself one day to sort it out, but I never get round to that fateful…
-
Unsure whether to keep or close Nationwide account
I currently have a Nationwide FlexDirect account and the introductory 5% interest rate expired a few weeks ago. The rate is now down to 1%. I have since moved the money that was in it elsewhere. The account also has a linked regular savings account which offers 5% annual interest. According to Nationwide T&Cs the…
-
Joint current account deals?
I keep seeing details of deals with f I switch current accounts. I've done this successfully with my current account. I'd like to do this for my (plus hubby) joint account. Is this possible?
-
Question about a cheque being cashed into the wrong account
Hi All, Probably being paranoid: I cashed in a cheque for a relative today. Gave the account no and sort code to the cashier (it was on my phone, sent from recipient of cheque). I didn't ask the cashier to confirm if the account brought up was the right one - presumbly the cashier cheques that the account on the system…
-
My cash deposit at post office gone missing
On Monday 24th Jul I payed in £500 cash at my local post office. I bank with TSB and this was my first deposit at Post Office branch. Previously I always used TSB branch for my banking needs, but my local branch has been closed down, so I have decided to give a Post Office branch a try. Looks like it was a big mistake.…
-
New HSBC Business Cards?
does anyone know if HSBC have updated Business debit and credit cards along with the Personal cards? https://www.designweek.co.uk/issues/24-30-april-2017/hsbc-rolls-new-simplified-bank-card-design/
-
Opened Current Account but dont need it, should I close instantly?
So i was only half paying attention and opened a halifax current account for the cash back, then saw Id have to move and close everything I have with Santander to get the cash, not worth it. So my question is, is there any negative impact on me if i close the halifax account right away as I dont need it? Was looking for…
-
Santander Balances
Hi all, Quick question as it's causing some confusion. With Santander current account. Does your available balance on the app and online banking include your arrange overdraft limit? Or is this just the amount in your account and then you have your overdraft limit behind that? I.e £250 showing as available with a £200 OD…
-
Bank account for 11 year old nephew
I'm interested in helping my 11 year old nephew sign up to a bank account - to try and learn the value of money. At the moment he has never really been taught the value of saving, and I'm going to try and help him. The problem is if he has money to spend he is likely to spend it, but I'm going to try and help him change.…
-
Money cycling on a bank holiday weekend.
Like many others, I cycle my money between my bank accounts, to make the most of interest/rewards. Current set up is this: Day 1: Account 1: Salary goes in to this on the 25th (or before if 25th is on a weekend/holiday). Day 2 (26th): Account 1 pays £1050 to account 2. Account 2: Pays £850 to account 3 Day 3 (27th):…
-
Does your bank care if you're ill?
Interesting to see this from Lloyds Bank / Halifax Bank of Scotland who are apparently going to have a specific department for people struggling with finances whilst dealing with cancer. They will offer payment holidays of up to a year on mortgages as well as refunding charges on bank accounts etc. The new department opens…
-
Bank account open for long time
Hello, I have a question about one of my bank accounts that is open since 2007 wth HSBC. I thought about changing but never qualified for switching bonus or could not bother. When I went to one branch to do a transaction the employee was almost shocked with a disgusted face when she saw how long the account has been open.…
-
Dollar account
Hi Until recently, we had both Citibank UK & Citibank US dollar accounts as we have a flat in the US that we need to pay bills on (via the US one) and for travelling (using the UK one). The UK one has decided they do not make enough money from us and have closed our account. Mum who also owns part of the flat has her own…
