Budgeting & bank accounts

Archives for December 2018

Nationwide accounts same app?
Hi guys I currently have my own Nationwide’current account and reg saver account. I have the app and can obviously see both accounts. I have just opened a joint account with my partner( only got welcome email so far and not account no / sort code). Will I be able to view this joint account along with my other 2 accounts on…
TSB T&Cs
Attracted by the 5% on in-credit balances of £1.5k but was shocked to see this declaration at the end of the TSB application: "I acknowledge and confirm that I would like to open an account and I agree to the terms and conditions. I have also read the information about the overdraft charges that apply as well as the…
Which bank for me?
So I’m trying to move away from HSBC for various reasons (the end of my interest free graduate account, and to separate what I owe with my “good” finances). I’m a bit of a nerd so I like a good mobile/online banking experience and UK call centres is a big plus (for the rare occasion I need to call), branches I don’t really…
Bank sent cheque for refund then wanted it back
Hi folks Posting on behalf of a friend who is worried about her daughter. The daughter has a loan with a bank and a while back (month or two I believe) sent a cheque saying they'd overcharged interest or something so were giving her a refund. She has spent this money. A week or so ago the bank contacted her to say the…
receiving income in AUD, using Revolut
I am UK resident. I expect to receive soon a small stream of regular income in AUD from an Oz company. What is the best way to minimize fees (transfer, conversion, etc..): - I have Revolut where I have created an AUD sub-account. But this AUD sub-account does not look like a regular australian bank account (i.e. complete…
First Direct back to £100 current account switching service?
When does First Direct back to £100 current account switching service? I remember they did like gift worth £250 and also online course.
Jake's 2019 diary to savings
Hi all, Please tell me if this is the wrong place. I've written a quick state of affairs for my current situation as I need to start saving for a mortgage, or my masters degree (if work aren't funding) either way I need to save. I've written down my expenditure that I can figure out, but I need to find out where the…
Online win
Hi. I won 50,000 online poker. I want to use this money to buy a new house. Do I need to pay any tax or tell anyone official?
Can a parent take a child's savings for herself?
My friend's ex-wife has taken money from their 13 year old's savings account to reimburse herself for a cancelled break which their son refused to go because he didn't want to spend time with her new boyfriend. Can she do this?
Lloyds closing my accounts!!
Last week Lloyds had blocked all of my accounts and got told that they were in a processing delay? they couldn't even tell me what that was. Today i had a message from them saying they are closing my accounts in 60 days? has anyone else had this? i rang Lloyds and have been told to go into branch and get one of their…
Bank account/s for 17 year old
Paid some Christmas money into kids' savings accounts this morning and asked about a cash card for 17 year old. Long conversation later and assistant says she can't have the existing account any more and we should have closed it, despite us contacting them on her birthday especially as she's got a part time job and her…
Multiple Current Accounts
Hi, basically, I'm 17, and I have current accounts with HSBC, Lloyds and Starling Bank. I also have a savings accounts with HSBC, and a Help to Buy ISA with Halifax. I've seen a savings account by Nationwide that offers 5% interest, but you need to have a current account with them to open it, but I don't want to switch…
Nationwide Refer a Friend (am I doing this right?)
Got my mum to recommend me to open. Got the switch letter with 'FSW' code. entered it and then went to a second page where they asked for identifying information - so I put mine (as the referred party.) Did I do that right? [b/c it thought they would already know who I am from the FSW code that links me to the referrers…
TSB/Post Office?
My Mam has a basic bank account at the TSB and she needs to pay a cheque in, but the nearest branch is about 8 miles away. Can she (or I) pay the cheque in using my local PO? Thanks
Too Many Payments
Hi. My wife opened a new Tesco Bank savings account. I paid 4 amounts in over 2 days from our Lloyds current account. Only one arrived and could be seen in the above new account. I had not read the terms and conditions which states that only one payment can be made(as it's a fixed rate account.) . Being this is the case…
BACS Scam - Advice/Experiences wanted :)
Hope this is the right place for this, so sorry in advance if it isn't! I'm posting on behalf of my partner, he has been a victim of a gumtree scam (you do not need to lecture me on this matter, I would never have let him do what he did had he have mentioned it to me at the time as he was REALLY silly and I'm happy to say…
Bit of a mystery...
Bank withdrawals of £1 and £1.50 by "eddisons commercial pr"? A few people i know have had the same and have no idea who who or why. any ideas?
complaint to Cooperative bank
Dear all - I hope you can give me some information/links about any rules and regulations that might assist me in getting my cash (concerning the kind of situation below). Many thanks ================== Dear Sir Re Steven Carpenter [account details deleted] I am complaining for several reasons Normally I have received a…
Moving house and switching bank accounts - which order?
I am buying a new house and plan to complete at the end of January. My new mortgage is with Nationwide and my application has been approved. I also want to move my current account to Nationwide but unsure about when to do so. Having read lots of MSE posts about mortgages I am aware that moving bank account and the…
Id fraud
A couple of months ago i stupidly gave enough of my personal details to who i thought was a friend to enable them to defraud me of money. I lost money from my bank and PayPal and they also took a loan out in my name..... All this was done through Facebook and then WhatsApp. As soon as i realised i contacted banks and loan…

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MSE News

NatWest and RBS to close at least 134 branches in 2023/24 – here's the full list, plus alternatives
The NatWest Group will shut at least 143 of its bank branches throughout 2023 and 2024 following its latest announcement.
Bank of Scotland, Halifax and Lloyds to close 35 more branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, have announced they'll close at least 35 more branches between them over the next 12 months.
Martin Lewis: Are you an E.on customer? Here's an easy way to cut what you pay for energy
E.on Next's 'Pledge' tariff could be an easy way to cut your bills over the next year, according to MoneySavingExpert.com founder Martin Lewis.
Martin Lewis: Urgent warning for savers as base rate held at 5.25%
You should open a fixed savings rate NOW in case rates are cut, MoneySavingExpert.com founder Martin Lewis has warned.
Second cost of living payment to be paid from 31 October – here's who qualifies and how much you'll get
Over eight million households on certain benefits and tax credits will receive their second cost of living payment from 31 October.
E.on Next's Pledge tariff costs £50 less than the Energy Price Cap – should you switch?
E.on Next has launched an energy deal for existing customers that costs around £50 a year (around 3%) less than the Price Cap for typical users, making it one of the cheapest deals available.
Workers aged 18+ could benefit from a hidden pay rise in future as new pension auto-enrolment rules get the go-ahead
Workers aged 18 and above may benefit from a 'hidden' pay rise in future as the Government now has the power to lower the age limit to be automatically enrolled into workplace pensions from 22 to 18.
Find HIDDEN supermarket discounts in the ‘world foods’ section – up to 80% off herbs, spices, tinned goods & more
You know the old saying, 'it's not what you know, it's who you know' – well, the same can be applied to navigating the aisles of your local supermarket – in this instance, 'its not what you shop, but where you shop'. We’ve uncovered baby aisle bargains and how you can save by crouching down . Now we’re unearthing secrets in the ‘world foods’ aisle…
Virgin Media to hike prices by 13.8% for millions of customers – but you can leave penalty-free
Millions of Virgin Media broadband, TV and home phone customers will see their bills increase this spring by an average of 13.8%.

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Budgeting & bank accounts

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