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Budgeting & bank accounts

Archives for January 2021

Bank address changes
Hi again, apologies for my queries! I just want to ask about changing addresses for things... I still have all my details (drivers license and job) registered to my dads address (it’s accessible as a family member still lives there, but I don’t) and it’s only up the road. I have however just changed the address with my…
banking in Austria
Can anyone recommend (for my son) which bank to use in Austria (Vienna). Need a current account to have wages paid in and debit card etc. Want one that has good record with security as his present one N26 has been subject to fraud 3 times now. The same transaction, amount, place etc. TIA
How much interest on Nationwide Start to Save account?
I have a Nationwide Start to Save account paying 1% interest. I have put £100 a month in since March 2020. I'm currently 10 month in and have £1000 saved. On interest maturity this March I'd have saved £1200. How much interest would I have earned on this at 1%?
Bank APP scam rejection and possible lax security measures
I wrote a letter on behalf of a family member to his bank as he was the victim of an Authorised Push Payment scam. Basically he was duped into thinking it was someone from the bank and to transfer money into a safe account, he told me straight after he’d done it and I said phone then bank immediately as it was a scam.…
BoS Easycash now on credit file
Not sure if this is for this forum or the Credit File forum. Anyway, I've had an old Bank of Scotland Easycash basic bank account since 2009 which I've not used for years and I assume is dormant due to not receiving a new card when the last one expired. It has never been listed on my credit files until this week when it…
Santander mobile app
Anyone else having problems with Santander app? It updated this morning & worked ok. Now I can’t access with fingerprint and when I enter passcode as requested it just ‘circles’ for a few seconds but nothing happens EDIT Please ignore. Working ok now.
Opening many current accounts within a relatively short time frame
In August, I opened a Santander Student account. In November, I closed my Barclays account and opened a Nationwide FlexAccount (using the current account switch service). I early January, I opened a Monzo account but I really wasn't a fan so I closed the account within a week. Because of this, I opened a NatWest account a…
Amazon UK payment enquiry
I recently registered an account with Amazon and added my debit card. I then ordered a digital audio player which is classed as used from the Amazon warehouse. The item is still in the ordered process. However, payment has been debited from my bank account even when it’s still in the ordered process. According to what I’ve…
Bank account fraud investigation procedure
Hi, I’ve heard a lot of things from people regarding the bank fraud investigation procedure. Some say that after identifying fraud the bank does an internal investigation, if they suspect it’s fraud then they close the account and then do a further investigation after which they give you a cifas marker. Other things I’ve…
Mysterious money appeared in my account
I have just checked my online banking and a substantial sum of money has appeared in my account. The letters by the transaction are SBT which stands for 'Screen Based Transaction' and apparently this is 'A transaction processed by a bank branch on your behalf'. I will be going into the branch but not till next Tuesday as…
Trust Bank Account for Disabled Person
Hi all We need to find a bank that offers “Trust Bank Accounts” so that we can setup an account for our daughter. I am told that this can be difficult as banks are not interested in providing the service. Does anyone have any experience or can you recommend a bank that will help? Our bank (NatWest) stopped providing the…
Email for HSBC CEO or complaints?
Hi everyone, I don't suppose anyone has an email address for HSBC, CEO or complaints department or really anyone who I could send a complaint to? Twice now I've typed out their stupid online complaints form to be told it doesn't work - due to the nature of the complaint this has only added frustration. I refuse to call…
Prepaid card claiming a 4yr old top up is an unpaid debt???
Hello, I need some advice please? So, I have a prepaid credit card, a Spree Card. Have had it a number of years and use it infrequently. It’s a Cashback one so basically use it (when I remember) at particular retailers. Anyway, I’ve just received an email from them (well Spree, not the actual brand of my card which is PS…
Revolut applies for UK banking licence
At long last, Revolut are trying to become an actual UK bank and become part of the FSCS. https://techcrunch.com/2021/01/11/revolut-applies-for-uk-banking-license
No response from Lloyds Bank
On the 14th of January, I applied for a current account from Lloyds Bank. I submitted my ID and selfie. The page then said they would review my application and I should be sent my card and account detail within 7 days, however, I still haven't heard anything (not an email or a letter. Absoltely nothing since subbmiting my…
JP Morgan / Chase - New digital Bank coming soon
It's hard to see what JP Morgan's unique selling point will be to take on the crowded UK marketplace. Many competitors are already well established. - Monzo, Revolut/Sterling etc. JP Morgan to launch digital bank in UK The Wall Street company JP Morgan is to launch a new digital bank in the UK, in a move that threatens to…
Leaving Santander
After at least 15 years with Santander we are having to leave them, mainly as i want to use there banking App, but am having issues with them and my mobile phone details, they have the right mobile number but wrong country code, been trying for ages to get them to change it, i did go into the local branch a while back and…
Contactless limit may increase to £100
As per title. https://www.bbc.co.uk/news/business-55826118
Club Lloyds
Does anyone use or know anything about upgrading to a Club Lloyds current account at all please? Tried to work out what (if any) the advantages would be but finding it a bit complicated. Any help or advice would be most welcome.
Lloyd's by default bliss
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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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