We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Budgeting & bank accounts

Archives for December 2021

I'm due a FPS payment today and it hasn't gone in.
A FPS is a full payment submission. Is this because today is regarded as a bank holiday?
Switching account after switch - time
Hi all, I recently switched to HSBC but I have regretted it a few days after opening the account with them. Every single bank transfer to my wife or my other account trigger a fraud warning and it takes long calls to clear them. I now want to switch from them but here's my question - can I do the switch at this point (I…
Full amount of our bills in joint bank account ready for the following months bill payments
Me and my partner have opened a joint bank account for our bills. Would it be easier once we have both got paid (we get paid around the same time at the end of each month) once we have been paid we put the total of all the bills in the bank account so for example if all the bills add up to £1200 we put this total in the…
Santander - New UI for paying existing payee
Without notice it seems that Santander are making payments to existing payee use their "improved" UI. Santander is my main account and over the years I've accumulated many payees (mostly to the best rate savings accounts and other current accounts opened for special offers). I've always kept a record of the mandate number…
Is a "Bank Holiday" treated any differently to a "weekend day" by the banks?
I use faster payments to transfer money on a Sunday from Tesco Internet Saver to my "Hub" current account to cover outgoings from the Hub on the Monday. I assume these FP`s will also work on a Bank holiday eg Tuesday 28/12/21 and Monday 3/1/22?
Nationwide
23 December and a payment still hasn’t been taken from my account, the company has tried twice now. It’s “only” for dog food but it’s needed early next week and changing his food won’t be a good thing to do. Is anyone still having problems with Nationwide?
Closed savings account statements?
Is it possible to get old statements from a close Halifax savings account and also a closed ISA account? I know you can get them for old bank accounts, but can’t find any info regarding savings. I tried to phone them today but couldn’t get through when I got a chance to call. I’m trying to sort out my Mothers estate and…
Lloyds/Halifax online banking down?
Is anyone else unable to get into their Halifax / Lloyds / BoS online banking? I keep getting errors on both the websites and the apps...
Transferring Euros back to the UK
I am trying to transfer some euros from my Sabadell account to the UK. Sabadell wants to charge me a large fee to transfer to a non resident euro account ( I will not be changing back to GBP). Apart from using a currency broker, is it possible for me to open a euro account with a Spanish bank in the UK such as Santander to…
Business Bank Account for a Parish Council
Hello All, Not sure if I am allowed to ask this question as it is not personal banking, it is about a business account. I am a Parish Council Clerk for a small village. We currently bank with HSBC but we are now being charged £5 for the facility of the bank account, and 40p for every cheque. I have not been happy with HSBC…
PayPal payment as a DD
I hope this is the correct place to ask about this. I'm asking on behalf of a relative. They have made a donation to a charity, via PayPal and from their bank account, and it was a 'one time' donation. However they have seen on their bank account that it's down as a DD, the payment has now been taken/paid out and is also…
Ticket Refund on Switched Bank Account
Hi All, I would appreciate some advice please. I bought tickets in September for a gig that has now been cancelled, I bought the tickets through PayPal and the money has been refunded through PayPal but it has gone to an account I have switched out of (Lloyds to Santander), I have also switched again since (Santander to…
Nationwide customers unable to receive or send payments
Nationwide customers have been unable to transfer money in or out of their bank account since around 7am, leaving some without wages just days before Christmas. The bank says it is trying to resolve the problem, which means there is currently a delay on outbound and inbound faster payments... Read the full story here:…
Dormant classic account at Lloyds - any fees to expect?
Hello, at the end 2017 I moved abroad and since then I've not used my classic account at Lloyds Bank. Back then I didn't know when would I come back to the UK so I left my account opened, just in case to have it in the future. I withdrawed all the money so that there were only about 5 pounds left on my debit card. Sounds…
escalation past FOS possible?
As this is an ongoing case I'm afraid my background info will be brief. Basically though I went via Resolver (case opened April 2020) to claim against a bank. This was escalated within Resolver to the FOS in August 2020 , this sat undealt with (although I sent regular reminders to the FOS that this was waiting for…
Nationwide On A Go Slow
Quote: We’re sorry, all incoming and outgoing payments are delayed at the moment. Your payment is in a queue, there's no need to re-send. Probably busy counting the extra money they will be making due to the BOE interest rate rise, whilst not passing it onto savers. :neutral:
recieving money for services from overseas
hello, I'm trying to work out what would be a safe and affordable way to receive money from overseas. Money would be paid from a Greek bank and I would either want to receive in GBP or transfer to GBP myself. Options seem to be PayPal, but fees are very high really. Will be a couple of transactions a year of around 4000 -…
Unpaid overdraft (Please help).
Hi all, Just looking for a bit of help. I'm currently on a journey to becoming debt free at last. A few years ago I got caught up in a cycle of payday loans and I'm now starting to pay back my creditors and debt collectors etc. There's one I'm confused about though. When I was a student (around 4-5 years ago) I had a…
TSB has a OTP delay (around lunchtime today)
Tsb one time password is currently.... kind of working ,may not be working or the OTP just takes alot longer too arrive . Just passing it on .
MSE News: HSBC customers should triple check payments when transferring cash
HSBC customers who use the company's mobile banking app should carefully check the value of any transfers they make after the bank changed the way people enter payments, with some warning they nearly transferred thousands of pounds by mistake... Read the full story: 'Warning: HSBC customers should triple check payments…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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.

View All

Budgeting & bank accounts

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Budgeting & bank accounts

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free