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HSBC or Lloyds - opinions please
I’m wanting to open an account with either HSBC or Lloyds as they are both in my town. I really can’t decide between the two as the product offering is very similar. So if anybody on here has experience with the two, which do you think is the best one to go with for a current account and to build a relationship with? I…
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MSE News: Santander to scrap unarranged overdraft fees on 123 accounts
Santander is to remove all unarranged overdraft fees on its current accounts that charge monthly fees, including its popular 123 and 123 Lite accounts - though a small minority could be worse off under changes to its other accounts...Read the full story: 'Santander to scrap unarranged overdraft fees on 123 accounts' Click…
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New Bank Tart - Recommendations for "mule" or dummy account?
Hello experts, I have decided to jump on the Bank Tarting band wagon to try and generate enough to take the kids to Disneyland Paris :-) I think i get it, and plan to be super organised but just wondering if anyone can recommend a plain old vanilla account to open to start using for switching that doesn't run the risk of…
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Hsbc no overdraft?
Please can someone help me. I have been with hsbc for 15 years I have no overdraft yet I can take money out all the time even if it isn't there!! I then get changed up to 80 a month! I have challenged this with the ombudsmen of hsbc twice and been told nothing can change or be done about this. I could cry I am a single…
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Problems with HSBC fraud protection
Hi All Am wondering if anyone knows of a good bank that won’t give me the current problems I am having with HSBC. Roughly every 9 months HSBC blocks my debit card without notice and tells me the card has been copied by fraudsters and needs to be replaced. This is usually associated with me using the card on a reputable…
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Natwest and HSBC question
I am thinking of switching to one of these accounts and my question is about their internet banking service. How easy is it to use and if you forget your password can you get a new one straight away or do you have to wait for a letter?
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Test your fraud detection skills
This link came up in a FB post from an ex-banking colleague today, to test your ability to determine if a message claiming to be from your bank is genuine or not. I got all 8 right, as I hope most of the regulars on this board would, but I thought it was quite a tough test. https://takefive-stopfraud.org.uk/takethetest/
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Moving from Self employment to full time employed.
Hi all Ive been self employed since 2011 , full time, and im now looking at returning to full time employment again. Im just wondering how this effects working tax credits or will I get pushed onto universal credit? I live in a full universal credit area and currently get working tax credits and child tax credits and…
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Is there a required amount of time after joining a bank for its switch bonuses?
Hello Guys, I am looking for some help advice. I am looking to change banks to take advantage of the bank switching bonuses. After reading Martin's weekly emails on story of becoming a bank tart, I am interested as I need to get as much money as I possible can, as me and partner are getting married in a few years and the…
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Switching banks Cash back question
Hi I this is my first ever forum question :j I have just switched a bank account that I don’t use to get the £125 bonus for switching. I was wondering if I use this bank account for switching to a different bank to get cash back from a different bank would I be able to switch a bank account I do use every day to first…
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PIN taken a knifepoint
My 22 year old son got mugged last Friday night walking back home from the tube. Five youths surrounded him, said they'd got knives and told him to hand over his wallet and phone. They demanded the PIN for his bank card and said one of them would run to an ATM and get cash. If he gave them a wrong number, he'd be sorry.…
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MSE News: Current-account switches topped...
Current-account holders switched their bank more than 900,000 times last year according to the most recent figures - here's how you can bag up to £200 for free when switching...Read the full story: 'Current-account switches topped 900,000 in 2017 - here's how you can get £200 for swapping banks' Click reply below to…
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Bank Switch Bonus - Min Amount Pay in Monthly Question
Morning all, Am new to switching and have opened 2 mule accounts to take advantage of offers. My question is regarding the minimum pay in each month. HSBC's T&C's state you need to pay in £1750 minimum a month. Can I just switch £1750 from my savings and then straight back out (literally within minutes) to satisfy this…
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Bank current accounts that Pay Cash Back
Those accounts such as Natwest/Santander that pay 2% or similar back on bills - is this classed as income/interest and therefore potentially taxable?
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Will additional account improve credit score?
I have one basic Barclays account and I’m trying to repair my credit file. I believe I will find it easier to budget and manage my finances if I have two accounts, one for spending and one for wages and bills. I’m thinking of opening a Lloyds basic account for spending money which I’ll transfer into it. I’ll only be…
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Switching business accounts- Help!
All this hoopla about account switching. My understanding is it is applicable to retail current accounts and does not apply to business accounts. Can somebody confirm this? Importantly, are there any cashback offers to switch business accounts? Peka
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Marital Joint Account
Evening All I am after some general advice regarding marital accounts with regards to paying bills etc. as there appears to be a differing of opinion between husband/friends/family/colleagues!! I work part time (have children) earn around 10k a year. Husband earns around 42k a year. From my salary I pay for all the food…
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Natwest Bank £125 Rewards Offer - £1500 Pay In
Just double checking that after registering for online banking or mobile app all I need to do is pay in £1500 and sit back and wait till April for my £125 (paying £6 in fees) Am I ok leaving it in overnight and then transferring back out again the next day? Or does the cash balance need to stay in till the £125 reward…
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Reconciliation Help With Monefy
I did a search of "monefy" not much seems to come up. Is anyone able to help me? I have migrated all of my current accounts and credit cards over to Monefy to reconcile them instead of using iOS Numbers Spreadsheet. I am loving me able to categorise my spending and I want to keep the data on Monefy line for line the same…
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MSE News: How to play the bank bribe bonanza game and earn £1,000+
The battle to win your banking custom has reignited this month, with a host of players willing to pay you to switch to them - and you can join the hidden bank-tarting movement sweeping the UK by switching again and again...Read the full story: 'How to play the bank bribe bonanza game and earn £1,000+' Click reply below to…
