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Budgeting & bank accounts

Archives for January 2019

RBS £150 current account switch
Looks like RBS are offering £150 to switch current account I don't think any direct debits are needed but need to check
Transferring euros to UK bank account
We have sold our house abroad and need to transfer a large-ish amount of Euros to the UK. I've seen Transferwise recommended on this Forum and have just opened an account (awaiting authorisation). NB; our Euro account is in Greece and capital controls mean we can't transfer via our usual currency broker - the money will be…
Fraud Bank issues. Seeking advice
Good morning. I awoke this morning to find out that I had nil in my account after 28 transactions were made to my account yesterday. These transactions were all made at boohoo.com ranging from £25 to £48 each. I am currently with Bank of Scotland and contacted them immediately telling them that these were fraudulent…
Make CHAPS payments online.
It seems that most personal current accounts require CHAPS payments to be set up by phone, or at a branch. Which banks' personal current accounts allow CHAPS payments to be made online without requiring any telephone contact?
Anyone successfully switched joint TSB account to Monzo?
Hi, Signed up to Monzo to help with budgeting out joint account spending, just realised they don't support joint account switches though some say on the community forum it is possible. Has anyone managed to do this from a joint TSB account, based on the ridiculous experience setting up our TSB account in the first place I…
Downgrading Santander 123 to 123 Lite
Does anyone have any experience downgrading the Santander 123 current account to the 123 Lite account? Can you confirm whether or not you retain the same overdraft facility? And whether your sort code/account number and regular payments stay the same?
Overdraft Charges
Hi, does anybody have any guidance on claiming back bank charges and overdraft charges? Thanks
YNAB 4 anyone else having issues?
YNAB 4 has defaulted to a trial mode on my laptop. It won't recognise the activation code so I'm guessing in 30 days it will go kaput. Has anyone else had the same problem?
Any advice for current account?
Hi I currently have a Santander 123 current account with the max amount in, I only have one household bill which pays cashback, usually around £1 a month. I understand with the £5 fee, this is not the best account for me, though I don't know where i should be switching to. Maybe someone can help? With the santander account…
Considering switching banks and am looking guidance
I live in Northern Ireland and have a current account with Bank of Ireland. I have had a few issues with them in the past that got resolved but am now considering switching to a more modern bank - one that at least offers Google Pay. My current considerations are Barclays, Halifax or Nationwide. I just need a current…
Serious GDPR/DP Breach from bank
Hi All, Looking for a bit of advice here - My father and I have a serious GDPR/Data Protection breach issue with Halifax that has not been resolved after numerous visits to branch spanning the last 6 years. It is worth noting that we both share the same name & address. I have had an account with Halifax for over 10 years…
Google Pay Send coming to UK?
Google Pay was updated on my phone a couple of days ago, and I notice a new option under Settings saying "Sending Money" - but is greyed out for now. I know friends in the US have had this for a while (and this has been available here using the web interface). Be a nice way of sending ad hoc payments when it comes!
When does the fees stop?
I have this abandoned RBS account. I left it with a small positive balance and no activity. I have not logged in some 6 years. For some reason I remembered about it today and see that I cannot log in anymore. Whats the worst case scenario? I imagine bank might have charged some account/card related operating fees that…
Have barclaycard but declined barclays bank account
I've had a barclaycard platinum card for years, straight of they gave me a £6k limit, going by there monthly credit score I'm classed as excellent. I applied for a barclays bank account declined. Why would this be?
Debit card issues
I’m really annoyed with both my banks at the moment! Barclays cancelled and sent a new card because they suspected fraud. Their explanation was the card was used in two diffeeent areas in a week! This happens all the time due to where I live and work! And never had an issue before and have really struggled putting in a…
Impossible to get a student credit card with my income
Hello, I am looking for a student credit card but my income of around £5000 is restrictive and is causing problems with eligibility. I have not formally applied for any credit cards yet. Halifax gave a 50% chance of me getting their credit card but this probability is far too low and I worry that I am ineligible for that…
Barclays - Gadget Insurance
I have been paying the monthly fee to Barclays for mobile phone and gadgets insurance (Tech Pack). I am wondering it this is worth it? I am confused about their terms and conditions, because they say they will only cover items which are less then two years? Is that right. My tablet is about 4 years old now. So it my phone.…
Part switch-joint account to single
Anyone know if its possible to switch using 'switch guarantee' from being 1/2 of a joint account into a single
Banks still using SMS
Why are banks still using SMS to communicate with customers when SMS is known not to be secure? For example im with Halifax and just set up a new faster payment contact on the app. Soon as i did i got an SMS confirming i had set the payment up and if this wasnt me, contact this number (it then gave a number to ring).…
Bank closure letter. Need advice.
I need some advice. I have a Barclays Premier account. In the last year I had around £200,000 going in and out and never had an issue, the Barclays Premier team use to ring often, to offer me some service or another but other then that all was good. Well my situation is I been sent a letter telling me after a review on my…

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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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