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Budgeting & bank accounts

Archives for May 2019

Best account for large currency transfers?
Particularly GBP and Euros Revolut found to be cheapest and best FX, but £5000/month limit Tried Fineco but rates werent so good for larger amounts Starling have Euro account but "coming soon" unless previously signed up for updates Transferwise fees not so good Others or is that the best of the bunch?
HSBC android app
Hi all, I am extremely tempted by the £175 switch offer at the moment but I have concerns around the quality of the android app. Can anyone that banks with HSBC please comment on how they find the app and how it runs. I do all of my banking online and use it daily. I have heard that HSBC online banking takes forever to…
Old Halifax card cash account with ex
Hi I had an old Halifax card cash account that I used for Xmas savings (I know I shouldn’t have used it). However he has disputed it saying that I have been using it to get credit cards etc... I haven’t. So I have 700 in there belonging to my kids and now the Halifax won’t unlock it, with out both of us going in and…
Natwest switch bonus conditions question
Yeah yeah I'm lazy... thing is, I can't work this out from the bumf I have. To get the initial bonus you open an account, switch before 7 June, log in, and pay in £1,500 before 12 July. OK, got that. To get the extra one after a year, you have to pay in £1,500 a month and use the debit card once a month. Here's the…
Second bank account
Hi Looking to open a second bank account I already have a nation wide one so want one which isn't part of the same group. I can't find the article which says which banks are independent of each other ? Anyone recommend a bank for a basic bank account, not looking to switch , just want an additional one. Thanks
Duplicate Lloyds Mobile Banking app Cheque Deposit
Just a quick heads up for all you lovely peeps. I banks with Lloyds and last Friday 24th May I deposited a cheque to my account using their mobile banking app. When checking my account balance this morning it appears that the cheque deposit transaction has been duplicated. My account has been credited twice & the drawers…
Weird Direct Debit
Hello! Hoping someone can help. I have a weird direct debit with the reference "AZP HE COVER" and I have no idea what it is. I've spoken to the bank and they've told me it was set up on a day I wasn't in the country - however I may have done it! Google isn't any help so I'm hoping someone may be able to shed some light on…
4 DDs for bank switch - can I use the same DD 4 times?
Can I set up four £1 direct debits with the same company in order to do a bank switch? Or will the bank view this as just one DD since it's only with one company?
Santander regular saver matured
So my regular saver at 5% with Santander has matured today and interest has been paid. I was going to transfer the money out but the account now says its a REGULAR ESAVER (ISSUE 7) and the interest rate is showing as 3%. The total balance is not now earning 3% is it ???
Mum becoming homeless due to frozen account.
Hi all, I am hoping someone will have either dealt with this issue or has some advice for this unique circumstance. My Mum got taken into hospital in March and my dad also got taken in the next day. They are both over 70 with a joint bank account they have had for nearly 50 years with the HSBC. My mum is now confined to a…
Account Switch failure
Back in March I switched my bank account from Barclays to Nationwide. Everything was accepted and I got my new debit card mid March. A few of my direct debits failed and were cancelled for example my car tax, insurance, life insurance and pet insurance - resulting in some fees for me to pay as I had to manually call places…
Safety deposit boxes ring fenced?
With an obvious nod to metro, it is a shame what is happening to them, it is quite a pleasant place to do your banking, hope the get over the current nonsense. I have a box with metro and I see news reports of people rushing to empty their boxes, which left me wondering - why? It is surely not possible that should a bank…
Monzo apologises for bank transfer problems - MSE News
App-based bank Monzo is investigating a problem that is delaying bank transfers, or causing them to fail...Read the full story: 'Monzo apologises for bank transfer problems' Click reply below to discuss. If you haven’t already, join the forum to reply.
Direct debit- Closed Branch
Good morning, I'm trying to set up a direct debit but my RBS branch for which I was registered is now closed. What address should I use for my bank's address. The main RBS head office address? Many thanks.
Budget
Hi, I have been really militant in trying getting my monthly payments down as much as I can, wondered if anyone can see any further improvements HSBC Mortgage - £450 HSBC Mortgage Overpayment - £50 Avro Gas and Electric - £55 Water - £35 TV Licence - £12.54 Council Tax - £89 Virgin Mobile Sim Only 16GB - £10 Talk Talk…
direct debit indemnity claim back
Hi, I did a deep clean of my bank statements and saw that i had two direct debits on my account coming out of my account every month for (one was for around one year, the other was for around two years). Exactly how does the direct debit indemnity claim work? I contacted my bank and you have to fill out a form (dont know…
Switching Bank Account after remortgage
Hello We have just completed on a remortgage with Nat West. We are considering switching our going bank account (currently Nationwide) to Nat West also as they offer a food rate dor switching and be nice to have everything with the ome bank. Just wondering if this is an good idea so soon after the remortage (obviously I…
Switching banks with CASS
Hi Folks. Want some knowledge from those who have gone through the Current Account Switching Service (CASS) as about to hit the trigger to change bank accounts. I am with Santander with a current account, savings accounts and a credit card which I manage via the Santander web site from my PC. Using CASS I understand my…
Moving back to UK from abroad
Hi, I am moving back to the UK in a couple of weeks (UK citizen been out of the country for almost 4 years) to start a new job. I have nowhere to live yet so I will be staying with friends. How do I open a bank account with no proof of address (utility bills etc)? My husband (who is not coming with me) has an N26 account…
non switch current account
Hi, I am looking for a current account to drip feed small amounts of earnings in. No minimum pay in, no DD. No bonus etc. May transfer funds to a saver at a later date. Any recommendations? Cheers

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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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