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Budgeting & bank accounts

Archives for June 2019

Best saving accounts
Best saving accounts So I'm looking to gather up enough money to get back kn the property ladder and was wondering what's the best account to have. I plan to hopefully buy within the next months to a year t So want access to my money. I have my savings spoly up into the following accounts Nationwide Flex direct…
What happens to ISA when switching current account?
I want to switch from my Barclays current account to HSBC to make use of their switching bonus. However, what happens to my Barclays ISA when I switch? The only way I currently access my ISA is online using the card linked to my current account, or visiting in-store in the same way. So I can't see how I will be able to…
U account pre paid mastercard
Hi I made a transfer from my U account which is a pre paid mastercard to my friend this was last night at 20.20pm but she is yet to receive the payment
switching from think money to monzo
just wondering, has anybody used the current account switching service from Think Money to Monzo bank. I'm trying to persuade my wife to leave Think money who charge a small fortune to monzo who do the same thing for free
Second current account in case of emergencies?
I would like to go backpacking in the future. I have heard that its wise to have more than 1 bank account with debit card in case of emergencies, i.e I lose my main card. I already have a credit card but it has a low limit... Can I ask which is the best bank to open a second account with, I only intend to have emergency…
Collective account
Can anyone recommend a community bank account. I work with 150 people and would like to have an account for gifts, cards and special occasions. My preference would be online to easily track transactions- similar to monzo. Thanks!
HSBC...switched current account but savings account still active
I recently switched my HSBC current account which has now been all closed, but they have left open the savings account I had with them which I had assumed was 'linked' to the current account but obviously not... Either way there is currently nowt in it as I stuck any balance into the current account before switching across…
From TSB to the wrong Transferwise account
Hi, I have just sent money from my TSB bank account to my Transferwise account but somehow the Transferwise account number changed so I didn’t receive the money. Do you think will be possible to get the money bank contacting Transferwise (which I did)? Is my old account number assigned to another transferwise user or it is…
Switched to RBS ... ended up with 2 accounts?
I noticed the £175 offer for RBS switching a couple week ago so initially did it for myself & then helped the rest of my family do it as they wanted some free money also. I'd say i'm 100% sure everyones applications had the correct details on it for them but then when something goes wrong there's often 0.00000000000001% of…
Detailed Transactions on Statements
Does your bank provide you with the details (sort code and account number) of payments you’ve made out of your account? Whenever I look at my online statement, or download a pdf, it only shows the name of the recipient that I save it as, instead of the sort code and account number. I’ve deleted he recipient (myself but…
Monzo Account
Hello everyone, I have heard good things about the Monzo bank account https://monzo.com/ I am wondering what everyone's experiences have been? Also, I presume they do a credit check as a bank. I don't want to apply and get a hard search on my report as its low as it is. Does anyone with poor credit and previous bankruptcy…
Club Lloyds & BoS Vantage Interest Rates Dropping
Both are dropping from 1st October 2019. Club Lloyds: Bos Vantage:
switching to RBS URGENT help
i'm trying to switch to RBS tonight to get the offer however I have tried to complete the online application, i got to the stage it says I qualify for the account but there is nowhere for me to put in details of what account i'm switching from thus it seems they are just treating it as me opening a bank account & not…
BOS Vantage
Quick question: anyone know if a £1000 movement from one of my BOS Advantage accounts to another one of mine will qualify for the £1000 per month necessary to get interest. I think I read somewhere that it does, but I'm not certain. Thanks.
RBS offer switch £175 end today
I had my Natwest offer last year and close my nat west already. Can i take this RBS offer? I cannot find the T&C
HSBC advance account
Thinking of switching to this account as they are offering £175 + I can open the linked saver at 5%. The min monthly pay in is £1750/month which is higher than my salary. What I want to know is whether it requires to be paid in at once or can I withdraw the money as cash from the account then pay it back in a few days…
How soon can I switch away?
I switched to Halifax at the end of last year to get their insecntive of £135 - £50 upfront and £85 6 months later. The £85 has just gone into my account a few days ago and I had planned on staying but I can see that RBS are currently offering £175 to switch but only until midnight tonight. Could Halifax take back my bonus…
Building Society AGMs
I have received an AGM notice in the post. Usually I just discard these as it’s just a place to keep my money if the interest rate is fair. This time I have taken time to read this one. Some quite interesting information and the meeting if attended has lunch! Has anyone here actually attended a building society AGM and if…
Bank account still open but I closed it
Good morning. About eight years ago I walked into my branch of Santander,which is now closed, cancelled all my direct debits and closed my account. I have now been told by a credit agency that, not only is my account still ooen, but it is also showing a debt on it, over £500 I was informed. I'm very concerned about this as…
budget/money app recommendations
Looking for recommendations for app that will track spending put it in categories & show it in a graph/chart Ideally one that doesn't require me to link a bank account & also one that will allow me to input my expenses as I mainly work cash, so one that will only draw data from my account activity isnt going to cut it! A…

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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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
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Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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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
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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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