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Transferring Current account advice needed.
I'm currently looking to transfer my current account from TSB to a First Direct current account which offers better rates for my overdraft (which I'm aiming to get rid of). I've looked into several options and transferring my account is the best option. My query is that I've got 4 accounts with TSB (Current x 2 - one for…
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Making a SEPA transfer efficiently
I want to transfer £2K, via SEPA (and Euros), to Coinbase. I am a UK resident. I need to do this in 2 steps.... First transfer the £2k to an EUR account. Then do the SEPA transfer. HSBC are quoting me a rate of 1.050558 EUR, if I use a HSBC currency account, while the spot rate is 1.0865. So they are charging me 3.5% to do…
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Upgrading from a Current Account
Hi, I hope everyone is well. I'm about to finish my PhD but start a job lecturing next week on a permanent contract (>£30k). I have a basic current/foundation account with NatWest. Is it worth sticking with this account or upgrading/moving? I also have a savings account where over the past few years any bursary £ from the…
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Package bank account
Just revived letter from bank saying they will uphold my complaint of the miss selling of my packaged account but will deduct &5 per month as I used the £100 interest free overdraft facility at my calculation this is 50% APR on £100 can anyone advise if this is correct as I believe on a fee free account the interest would…
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Warning regarding Tesco Bank Debit Cards
Tesco Bank assigns your account either an 'online only' or an 'online and offline' card when you open an account with them. Nothing wrong with that, quite normal. What I've learned today is that there is no way at all of moving from an 'online only' debit card to an 'online and offline' debit card without closing down your…
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Co-operative Online Banking
Hi Guys, I'm thinking of switching my bank to Co-operative. One of the main things (OK, only thing) I like about my current bank is the online banking has an option to export statements as .CSV files and I can open them in excel. Does anyone know if the Co-opertive's online banking allows you to do this Thanks!
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Paypal Direct Debits
Just tried to move money into Paypal by direct debit (in order to meet the min 2 dd requirements), and the option to move money by dd seems to have disappeared from Paypal. Has anyone else noticed this?
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Banks and sharing data
Hi, new to the forum just after some advice. In dispute with Lloyds at the moment. I've been a customer for over 20 years and they've generally been ok, however it's caught my attention recently that in order to get any savings account or service off them, the terms and conditions dictate that the "may share your details…
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Unpaid cheque Santander
Anyone else had a similar issue? I paid just shy of £5000 for building work and was shocked to see that the money was returned to my account this afternoon saying that it was unpaid. On querying it Santander said that I hadn't signed the cheque but I know I did because I'd taken a picture of the cheque before sending it.…
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First Direct
Is it me or do they deliberately make it very hard to pass the credit check?
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Secure Trust Bank - online options
I have a 2 yr fixed bond with Secure Trust which I am happy with. I would love to open another account with them as they have decent interest rates but the lack of online money transfer is what is stopping me. I also have an easy access account with Charter Savings bank which makes it easy to transfer money around, however…
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Metro Bank
Hello I want to open a Metro Bank account. I do not have the best credit file, no CCJ's, two late payments and high utilisation of available credit. I want to close anotherbank account inthe process and transfer direct debits etc, so the basic one will not be suitable. Does anyone know what they are like with adverse…
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Changing Large Amounts of Euro's back to Pounds
Hi, I have a large amount of Euro's in cash from a sale of a property abroad. Most of the cash is now in the UK. Can anyone advise the best way to convert this into sterling at the best rates without large commissions. Do i need to open a Euro account to put the monies in first before exchange? Or are there ways of paying…
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Direct Debits 'Missing'
Hi all, Bit of a dilemma here. I've got a switch completing tomorrow from TSB to Co-Op for the £125 incentive. I have 4 DDs, all at different amounts, with 2 DDs each going to two popular supermarket savings accounts I hold. All 4 of the DDs have been taken today, however on the list of DDs for the TSB account, its only…
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Woking in Ireland, paid from UK to UK account
Hi, I'm moving to Ireland from the UK and the company I work for in the UK have agreed to let me work remotely from Ireland. Because it's a UK-only company they'll be paying into my UK bank account. This money will obviously need to go towards bills and rent and general living in Ireland. My concern is that I'll be dealing…
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Holding Multiple Current Accounts
I have posted over in the mortgage section about applying for a mortgage whilst holding 15-20 current accounts between my partner and myself. Currently our deposit is spread over these accounts, ISAs and monthly savers in order to earn the most interest and monthly reward payments off the banks. At the moment I'm managing…
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Contactless refund doesn't work
I spent some money in VC's using chip & pin. However noticed that an item I bought was overcharged. Asked for a refund but did it contactless. Since 31st July still waiting for the refund to go though. My bank black horse advises me that contactless refunds can't or don't go through back onto your account. They gave told…
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Opening a Joint Acc on low income
Hi everybody, Wondered if anybody could please kindly advise. My partner and I receive about £600 pm for bills and food. We would like to open a joint account solely for paying the utility bills, however, I don't think any bank would want us as we are on such a low income? Am I right? I don't want any frills, just…
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I Hate Santander
Just had to email the CEO office with this. I hate Santander, I have lost count of the number of times they have messed up with anything that isn't a basic enquiry. Dear Sir I am emailing you on the back of yet more appalling customer service and banking knowledge from Santander. My husband and I have banked with you for a…
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£2 cash back - theft!
Hiya, Not sure if this is in the right place, but I would appreciate some advice! Went away for the bank holiday weekend, and this morning I was going through my receipts and noticed one where the cashier at a local store has put a £2 cash back through on top of my £17 purchase in the store! I never asked for cash back,…