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Beehive eSaver Instant 9 rate reduction 1.45 to 1.0%
Just got this secure message. It's a bit unclear if this is applied to everyone on this account or me 'cos I've had 12 months on the higher rate, but it'll be on its way....either way. "Savings Account Subject Important information: Rate reduction to your eSaver Instant Issue 9 account Body We regularly review our savings…
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Direct debits for switching bonuses
As i am still fairly new to this bank account switching, I have just read the MSE article to give me more of an idea. https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/ one bit i could do with a little clarification on is regarding direct debits. Taken from the article: "Some switching bonuses or perks…
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Student account and current overdraft
Hi there, I'm hoping to go back to university in the next couple of years and wondered if anyone would know what would happen to my current overdraft? If I stayed with my current bank, would the overdraft become interest free or would I still pay interest? Thanks in advance!
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Norwegian Bank account & transferring pay to UK
Hi all, I’m working in Norway and I’ve had to open a Norwegian Bank account up. What is the easiest/cheapest way of transferring money in to my UK Bank account please? I’ve been told about transferwise, but want to know of any other options. Regards
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Barclays not responding to my letters
I have a Barclays mortgage with reserve facility. I use this as my one and only current account. I paid nearly £4000 into reserve in order to pay for emergency plumbing work. Upon trying to transfer the payment to the tradesman I found that the reserve account had been frozen. I have no access to money for everyday…
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Current Account for Children
I was thinking of doing this for my children (aged 11 and 9). I know there is a Go Henry account, but I don't particularly want to pay for an account. What is the best way to go about getting an account for them? It will be for everyday spending that I will be putting their pocket money on. Not huge amounts, thinking of…
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Ultimate reward account
I had a ultimate reward account with Halifax when I worked and earned over £900 a month. I stopped working to be a stay at home mum and the only money going in was child benefit. I know it’s my own fault for not cancelling but should the bank not of seen i wasn’t earning and advised i changed my account. Despite not…
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Paying in a large paper cheque.
Can anyone advise the best way to pay a large cheque into a bank, an amount over 50k. In terms of Identity for clearance etc. Should I take additional ID, should I phone ahead to save any clearance delays? I bank with Natwest and Santander, is either of these preferable for large cheques or anyone have bad experiences of…
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Co-operative Bank £4.00 or £5.50
When usually they will give this £4.00? i had fulfill all the requirement last month (October) and still £0 in 2nd November.
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CASS and standing orders
Firstly, excuse my ignorance if I seem a bit thick here, but I would appreciate some clarification. My partner has a NatWest current account, which we are looking at switching to Lloyds for the £125 switching bonus. There are no direct debits payed from this account, but there is a standing order payed from one of my…
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Bank Fraud Check and privacy
I made some payments today. Their nature flagged a fraud check on my account and a call to see if I want to release the funds. I was happy that they were valid but not impressed that the bank tried to insist I tell them what the transactions were for. There is no reason for me not to tell them - except that it is none of…
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While Switching Bank Account to HSBC, being asked for Experian password.
I've been banking with Natwest for more than a Year, but was planning to switch to HSBC. So Applied online for the switch application from the HSBC Website. It has been more than two weeks since then, now Everytime i call HSBC to get my progress on the Application process. They say i have to provide them my Experian…
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Unable to open HSBC Premier account due to previous account closure?
A couple of years ago, I got into a little financial trouble due to dissolution of my relationship and then the loss of my job, none of this was helped by Thames Water being useless and then HSBC. With HSBC I relocated and I went in branch to update my address to ensure I get letters, all was good and then I got a letter…
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HSBC app Balance After Bills
This is useful but doesn't take into account money coming in, even if regular payments, only what is in your account at the time you are looking. We have money from different places coming in so I know we can comfortably cover bills but according to the app we'll be broke after all our regular DD have gone out.
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transfer to portugal
need to transfer €105,000 euro to portugal,my llyoyds charge would of charged a rate of €1.12 today,the FX rate was €1.16 plus £10.00,santander charge £15-00 but their website doesnt state the ex rate,is it worth using an option?
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Birmingham Midshires DD error on CASS switch
CASS switch from BOS to Lloyds completed 29th Oct (Tuesday). £1 regular payment DD for BM pulls on 5th of month. For some unknown reason BM has taken a £1 payment from the Lloyds a/c 30th Oct (day after switch completed). It's showing as a credit in the BM a/c on 26th Oct (Saturday, during switch period!). BM now has…
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How to budget on monthly and 4 weekly payments
Due to mental health issues I am claiming UC and PIP. I get UC on the 21st and PIP every 4 weeks (my next payment is due on the 14th of the month). I pay all my DDs monthly on the 22nd. Am I better doing my budget from the 21st?
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Monzo - foreign transaction still not showing
Hi, did try and find an existing thread but nothing too recent, so here goes... Just returned from Berlin where I mainly used my Monzo card, every single transaction was showing on the app within about 10 seconds of me doing it....except one on Wednesday which as of 12.55pm today, 48 hours later, still isnt there. Live…
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YNAB on self employed income
Hi everyone Are there any self employed YNAB users here? I have two streams of income but I don't get paid a set amount on a set date. What comes in can vary quite drastically month to month and I wondered if this kind of zero based budgeting would actually be helpful in my situation? It would be for managing spending and…
