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Budgeting & bank accounts

Archives for March 2019

Santander ESaver
Hello, I've opened a regular esaver account today with Santander and I was wondering how I could set up payments via standing order from my current account into the esaver. My esaver only has an account number on Online Banking and so I was wondering what to do around this. I know it has the surcode but I want to be safe…
Which bank offer the best current account?
In your opinion which bank offers the best current account to include benefits such as monthly interest on the cash balance, cash back etc? Does anyone have experience of using the Santander’s 123 current account; is it any good and what is the Santander service like? Thanks in advance for any meaningful…
Payment declined/failed but funds taken as a transaction
Hi I tried to make a payment (£3000) by debit card and got a message saying it had failed and to contact the company I was paying before attempting to pay again. I called them. The said it had failed and not to worry the funds would fall out of my pending transactions and all be ok. I called my bank who said it had an…
What is a main bank account?
I have just applied for a credit card and was asked for the sort code and account number of my main bank account. They further advised me that this was to help identify me. I have two problems with this. First, that I have several bank accounts and don't know what criteria would apply to identify a main bank account. And…
lloyds unpaid cheque?
I deposited a cheque into my account yesterday via the app on my phone, it went though ok and showed in my account but was not cleared, today its come up as "unpaid cheque" Does this mean there was no money in the other persons account or is this an error with scanning the cheque? also this may be a silly question butwill…
Giving money to family members
What is your attitude to giving money to family members?
HSBC Advance Deposits
Hi all, I am new to this forum and decided to join because I need some help with a HSBC Advance account query. I have been a long standing current account holder with HSBC since I was little and never banked anywhere else, I decided to open a Advance account however done this via online as a switch, little did I know it…
Second bank account
We have recently downsized our house and used the Proceeds to buy a small flat to let out. We wanted to have a second current account to deal with but to let property only. The rent will be paid in each month and any expenses paid out. :TAre there any banks that offer a rewards for Opening a new account? I can only see…
Third party deposits into bank account
Does anyone know which banks do and do not accept cash deposits from third parties these days? Someone needs to pay cash into my account today so need to let them know which one will accept it. HSBC are thoroughly confusing as a family member tried to do it a couple of weeks ago and it was not accepted, but a friend paid…
What did you spend your first salary on?
Good morning and Happy Friday. Hoping this will be a somewhat lighthearted and reminiscent thread. What did you do with your first ever salary? I took the family out for a meal and the rest I’m pretty sure went to myself, including clothes and shoes...
Currency accounts that let you deposit cash
Hi, I work in a job where I travel abroad fairly often, and my job gives me a work ‘allowance’ in cash. Unfortunately, I often end up spending a lot on card and so I normally deposit quite a lot back into my UK account with HSBC. As I am travelling more and more, I realised that this was silly and I wanted to open an…
Yorkshire Bank Signature Current Account - Successful Refund of charged current A/C
Hi all, Just sharing a success story and have a question. In 2009 I took out a bank a/c with YB to replace an existing basic account that could not have a Switch/Cheque guarantee card or overdraft. I was told at the time only a Signature Current A/C had this option and it was £10 a month, so I took it thinking I didn't…
What should I do when I'm already unhappy about the bank before switch to it?
I won't name the bank, that's not the purpose of this thread. Week 0 The bank had a switch offer, and I wanted to take the free cash. Week 1 I requested to open a current account online with the bank. Week 2 The bank asked for the standard things, such as proof of ID and proof of address. I sent those to them on the next…
CIFAS mark category 6 2019
Hi, recently I discovered that my bank had issued a cat6 marker on 30/10/2018 a month after when I closed my current account on 20/09/2018. i was put down for a CIFAS misuse warning and I believe it is unwarranted. I had researched my statements to mark out any odd patterns, between 20/08/2018 to 05/09/2018 and I agree…
Failed recall
This is a long one so I apologise. We have basically paid our rent money into the wrong account (banking details supplied by housing association, I believe not be ours or banks error with bank details). So since Oct 2018 they have not received our rent. Mid Feb they contact us to tell us with we are nearly £4000 in…
Serial Switcher
Good morning all, I am a "serial switcher" and have a bank account that I use solely for switching. I have just seen the lastest switching offer of £150.00 from HSBC, along with this rule "You can't have had an HSBC account since Jan 2016". The problem is, I have no idea how long it's been since I had a bank account with…
HELP - Have I been scammed?
I am appealing for help to find out if NEXTCOINMARKET.COM and GETFINANCIAL.COM safe companies to trade with for ForEx and Cryptocurrencies. Sadly I have money invested with them and it comes to my attention they are professional scammers and thieves. The internet is full of mixed views of both these companies and some…
bank transfer scam HELP
Hi A friend of mine has recently been lured into a ponzi scheme type of game that involved sending money into 1 bank account. I'll try to explain it briefly so you get an idea. 8 different people have sent £160 into this 1 guys bank account and then once thats complete the man in the middle leaves and a new person joins…
RBS/Natwest Rewards First Utility to Shell energy
Dear all looking for the wisdom of crowds. You may have seen today that first utility has been renamed Shell energy…
Overdraft
Hey everyone, I have just a quick question that I would like to ask. I'm planning to borrow £50 planned overdraft tomorrow from Halifax, but I'll be paying it fully off next week. Just a short emergency. What affect will this have on my credit report?

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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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