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Budgeting & bank accounts

Archives for October 2017

Switching bank with weekly wages.
If i switch bank accounts will my old account be closed?, i get paid weekly for one of my jobs and don't want a wage payment lost to the void while everything transfers. Thanks.
Lost SWIFT transfer
I instructed a US bank to wire money to my UK Bank. The money was not received. The US Bank provided MT103 information which I sent to my UK bank and they determined the sort code was wrong. It is a sort code owned by my bank but not the sort code for my bank account. My UK bank told me that the funds would be…
Spending ap for Android Smartphone?
A friend of mine has an ap on his IPhone where he can input what he spends each time, so for example, shopping, drinks, etc etc. I'm trying to get a handle on where all my money goes so this would be ideal for me, but I can't find it in the store for Android. Just wondered if anyone can recommend something similar?…
M&S Internet Banking Woes
I switched banks recently (from Clydesdale Bank) to a M&S Current Account. The official 'live' date was today. I have never switched bank accounts before and have been with the Clydesdale for over 30 years so I was a bit apprehensive, however the switch itself went well. What I am really unhappy about is the website for…
Can you switch current accounts if it's not your main one?
I use the Halifax reward current account purely to get the bonus and have the two direct debits set up and bounce 1k a month through it. I keep seeing current account bank switching offers. Could I take advantage of them by switching my Halifax account or does it need to be a clearly active main current account with…
First Direct switching (& wages)
Has anyone here experienced this side of a switch? I've switched in the past with another bank which brought over most of my standing orders & direct debits (annoyingly it didn't bring them ALL over!) but not wages. So do First Direct somehow locate your employers contact details, write off to them & tell them to not pay…
TSB statements
I can't seem to find anywhere on the TSB website to download your monthly statements. There is an option to print at the bottom of the page, but this only shows the transactions which are viewable on that page. All the other banks I use have e-documents in a section, and you can download the monthly statements with ease.…
Bank account which doesn't show my name when sending money
I am looking for a bank account which doesn't show my name when sending money. This is just for sending a gift, and not for anything dodgy. I have looked into offshore corporation formation, which would show a company name, but this is over £1,000 to set up. I was wondering if there was a cheaper, easier method. I tried…
What happens to internal transfers when switching?
Consider a current account with Nationwide set up with an automatic monthly transfer into a Nationwide regular saver account. What happens if this current account is switched to another provider? Does the (previously internal) transfer automatically become a standing order, or does it just disappear? (And before anyone…
Leaving Nationwide...
Hi all, I have been looking at potentially switching bank. I currently have a Flexaccount with Nationwide, along with a Flexclusive ISA. I think this is only available to Nationwide customers. I contacted nationwide to ask what I would need to do with my ISA if I left, they have said that it would be unaffected. Does this…
Bank with lowest fees to accept payments in USD?
Hello, Can anyone recommend the UK bank account with the lowest fees for accepting payments in US$ please? I've recently been having a dabble on Merch by Amazon and they send the payments in USD to a UK bank account once a month. At the moment I am using Nationwide and they seem to be keeping a fair chunk of it. Any…
New M&S terms and conditions - hmm!
Just been notified that M&S are adding - amongst others - the follow T&Cs: Now people aren't in the habit of sending me payments by mistake, and if they did I'm sure I'd know and agree to reversing. But it does strike me that a canny ID thief might be able to use this, maybe with a bit of social engineering, to get…
Watch out for new charges on BBVA cash machines in Spain
For a while now, if you are using a UK debit card in most cash machines in Spain, they offer to charge your bank either in euros or in pounds (with their own around 3% markup). In recent months, if you choose euros, they add scary messages about how much they are going to charge your bank. That wasn't a problem for me (as…
Barclays Packaged Bank Account - Success
Hi, A Big Thank You to this website and the Resolver application. On 27 September I used the Resolver complaint form to complain to Barclays Bank that I had been mis-sold a Packaged Bank Account. I received a text that same day from Barclays to say they had received my complaint. On 26 October Barclays called me with a few…
MSE News: Cheque clearing to be cut to 'next working day'
You'll soon be able to clear a cheque by the next working day thanks to a new image-based system being rolled out from today....Read the full story: 'Cheque clearing to be cut to 'next working day' - and you may be able to pay in using your phone' Click reply below to discuss. If you haven’t already, join the forum to…
First direct question...
Do First Direct give any financial reward for opening an account with them and NOT switching ..?
which bank now...
Hi All, I'm a little stuck as to what to do now with my current account. I've been with TSB since March this year but they have an irritating lack of online contact and no branches near me, that I want to move... But, wanting to make as much as I can from interest etc. I'm struggling to figure out whether I should move and…
New HSBC app
Anyone tried the new HSBC app? Thoughts? A million times better than the old one but missing key components which other banks have such as Pending Transactions and the ability to view/cancel Standing Orders and Direct Debits. Hopefully these will be added in a later release. Tip - to find the new app in the relevant app…
Anyone having issues accessing First Direct banking app?
Since Saturday I haven't been able to access the First Direct banking app on my mobile due to an "Announcement" when I open it that states services will be down for 1hr20m on the morning of 29th Oct. Great! But I want to access it now - not at the specified 'out' time. I am unable to get past this Announcement. Next step…
RBS online banking help
DON;T BOTHER. ITS WORKING NOW :) can someone with RBS online banking try this for me please to see if its working for them. after logging in, select 'Cards' from the left hand menu click on 'order a replacement for a damaged card' I keep getting an error message, but don't know if its at my end or theirs. Thanks in advance

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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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