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Nationwide Recommend a friend question
Hi I have a joint Santander 123 account with my wife. I have an existing Nationwide account. Can I recommend my wife as a friend thereby gaining £100 each or will Nationwide cotton onto the fact that I`m named in the joint account as I know you can`t recommend yourself. Just trying to see if I can bend that rule a little.…
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About USD against GBP, need some advice
Hi I was wondering if anyone with a bit more knowledge of currency rates could offer your opinion on the current exchange rate of the pound to dollar rising so much in the past few weeks, its gone from 1.33 to 1.43 in such a short period, in your expert opinion do you think this will go back down anytime soon or do you…
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Switching away from 1st Direct - keep reg savings?
I would like to switch my first direct account to HSBC to hoover up the £200. I am about 6 months into paying £300 a month into the first direct regular savings. If I switch away do I lose the regular savings interest, that is paid after 12 months of regular payments? Thanks in advance
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Joint bank account
Hi, my girlfreind and I are about to move into a house in the next few weeks and are looking into getting a joint account to pay the bills etc, does anyone have any recommendations on what account to go with? Thanks
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Switching Direct Debits
I have Santander 123 Account and also TSB Current A/c I have around 12 DD's leaving 123 A/c servicing Regular Savers and Credit Cards mainly. Ultimately I wish to have 2 or 3 current a/cs (plus the TSB a/c) How can I switch perhaps 3 to 4 DD's to each new a/c? Most new a/cs require you to avail of their switching service.…
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Cryptocurrency compensation v Standard Bank Accoun
[apologies if I've made any etiquette boo boo's - this is my first ever post] Hello Martin and all forum users, I see in the news today an awful situation where a Cryptocurrency trader was 'forced at gunpoint to make bitcoin transfer'. And I understand this is probably not protected. MY QUESTION IS: What are my protections…
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Rationalising Bank Accounts
We have had multiple Current Accounts & have been sweeping funding through them as appropriate to fullfill the account criteria for a lengthy period with the balance maxed out for interest purposes. Now with the end of the direct debit facility from Tesco I am unsure what to do to maximise interest We currently hold 3 x…
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which bank ??
We are shortly going to receive a lump sum from the sale a recently deceased home it isn't massive amount less then £100,000. i am in a bit of a delema as which bank to put it in it's not really for saving etc as we will be taking out amounts for general stuff like paying off our mortgage having work done on our house etc…
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Want to be a tart, am I doing this right?
At the moment, myself and OH have a Santander 123 account each and a joint 123 account. We have our wages paid into our separate accounts and have phone bills etc coming out of these, then a standing order each to the joint account where all our bills and spending come out of. We each have the 5% linked savings, mine due…
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Paying off overdraft
I am utterly, totally and officially skint 😪😳 Last year, my car broke down which ended up costing me £1000 in repairs and eventually I had to buy a new one. Because of this, my overdraft is up to its limit. This is adding to my already sky high anxiety and keeping me awake at night. Should I... 1. Cut down my spending and…
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Ontree budgeting
Hey all, Not sure if this is best subforum but I've been checking OnTrees on/off for a while, any ideas when they will open up to new users?
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TSB account update time - week-ends
Hello I am expecting one payment due on Monday - we are Sunday: I read somewhere else online that payments at TSB were shown on the account on the Sunday before between 12 and 14.00. This is not the case, but this information dates back a while (and in particular, before the TSB/Lloyd's split). Does anybody have more up to…
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Best alternative to Metro Bank?
I've recently opened a Metro Bank account and I love it. The online and mobile banking are hassle free (I only need my phone - I don't need a standard card reader or worse, a bank specific piece of kit) and I was given a debit card on the spot. I am looking for another account elsewhere (as a spare - I'm sticking with…
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How to switch banks accounts with an overdraft
Hi switching experts! I would like to start switching bank accounts to earn some cash. Ive been with First Direct for about 20 years. My account there has a #250 free overdraft so of course I use it. My understanding is that if I switch my existing account will be closed but I don't have #250 to pay the overdraft off with…
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HSBC switch
Can you get the bonus if you switch from first direct?
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123 Santander but no job
Can a 123 Santander account be opened if the applicant does not work? Savings of £150k so can easily fund the £500 per month
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Santander everyday current account - be in touch in 2 days ?
I’ve applied for a Santander everyday current account and received and email saying : Thank you, we’ve received your current account application. Thanks for your application. We’re looking through it now and we’ll be in touch in 2 working days with more details about your application including what you’ll need to do next.…
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Piggybanking
Hi I have only just come across piggybanking, i know, where have i been all these years....... Basically i have 2 accounts i actively use, santander 123 and a standard hsbc account from over 30 years ago with no perks. I also have a halifax rewards account which i just put 750 in every month for £3cashback then transfer it…
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Best banking account for us?
My partner and I want to open a joint account together, but we are both new to banking. what we are really looking for is somewhere to put money away like a savings account and potentially save for a deposit for a property but still able to withdraw/spend for everyday spending. We each have our separate cash accounts and…
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Online banking Best device
I have done a little online banking before using a windows 10 laptop. I have now just bought an Ipad and was thinking of trying one of the mobile banking apps but i notice there are no internet security apps. Apparently Apple devices don't need it? So i was wondering which way was the safest and best way of doing online…
