Budgeting & bank accounts

Archives for November 2022

Switching Joint Accounts
Does anyone do joint accounts as well? I notice that a lot of the T&C's says that you cant be an existing customer/ever had an account with bank/ever received a bonus etc. Well, if you do your singles first then does this exclude you from doing a joint as you will already have recd a bonus/become a customer etc? Or
Forgot to put reference on transfer
I have just paid off my mortgage via bank transfer . The money has gone out of my account to Lloyd's bank plc . But stupidly i did not put in a ref number .Will they be able to trace it or will the money be lost. I'm frantic with worry
First Direct Application timed out
Apologies if this has been asked before, but my First Direct application timed out* after the credit check. I haven't had any email come through, but reluctant to apply again in cas eit did go through. Has anyone had this before? Will call them in the morning, but without a confirmation email I expect I'll have to start…
The best way to receive money from abroad
I am looking to receive a small amount of money from my friend in the Phillipines. It will equate to around £20, which is approx 1,200 peso. What is the best way for them to send me the money? Thank you
My comparison of banking apps (Monzo, Starling, Lloyds, Natwest and others)
I made a table comparing some of the features of the most common banking apps. It is not an exhaustive list - I did for myself, other people will have different priorities / preferences. I use an Android phone. 1 that's my understanding but I haven't tried myself 2 Lloyds customer support said yes, but when I opened the…
Paypal payments linked to bank account - purchases / timescale?
Looking for some clarification for future ref. My paypal account has always been linked to my debit card, but I've recently added a bank account (different to debit card bank). If I made a purchase using the bank account option, is there a delay compared to payments made via linked debit card? I'm sure I've read somewhere…
HSBC Switch Criteria - £200
Hi, Im unable to ask HSBC via their chat function, so was wondering can the account only have 2 standing orders to be eligible? It says 2 direct debit or 2 standing orders, but i am worried without DDs it will not be successful. Thanks.
Random Bank Giro Credit
I've received a random bank giro credit of £550 and even my bank don't know who it's from. We just have a reference number but no name. Ref J246E00A00J3NSPB PB3187721205 - it doesn't give any clues who it's from. Any ideas?
switching santander account concern
hi my daughter has never switched before but wants to take advantage of the nationwide offer, she wants to switch her santander current account, she also has her help to buy isa with santander, does anyone know if that will be a problem, can she keep that account without the current account please
HSBC switch fail
Anyone have their switch fail for no reason and have to start again?
Can my accountant be "read only" on business bank account?
Said it all in the title really, but I hear that Natwest charge extra for this and Lloyds don't but are there any others that let your accountant or an employee have "read only" access. By that I mean they can see statements and transactions but not spend money.
Chase unauthorised increase payment
:# Hi, On Friday, I authorised a payment to Fossil for £195.00. I received notification from Chase and invoice from Fossil for same amount. On Saturday I got a message from Chase telling me payment had been increased to £279.20. When I contact Chase they blamed the merchant. I have raised a complaint that they have made…
Switching service guarantee and DD
If after you do a full switch using the switching service any DD fail who do you contact? Particularly as nowadays it’s seems impossible to actually talk to a real person! One of these DD is with a credit card company who I know love to slap on non payment charges at the drop of a hat. So if that should fail is it better…
Best bank account with no app-bothering and minimal 2FA?
I'm finally fed up with Lloyds. The only way to contact them is to wait on the phone for ages or message them from their app. I do not want to use an app, I want to use my PC. Also every time I sign in now they want to go through the 2FA nonsense where they text my phone. It started with happening occasionally and now it's…
HSBC switch payment
How soon after the switch do HSBC pay the £200 payment (£1500 has been paid into the a/c) ?
Virgin Money Cashback DDs
My cashback is tracked at almost the full £160, but I’ve yet to withdraw it to the account. Do I need to keep the DDs that were included in the switch active on the account seeing as I’ve already earned the cashback? I wanted to move them to my bills account for ease.
BT Direct Debit Fraud
I’m hoping for some advice. BT supplies our internet. However, unknowingly to us a second BT account was set up in April 2021 which has been debiting £21.99 from our account every month. We stupidly haven’t realised this until last month when we decided to crunch some numbers in light of the cost of living crisis. We’ve…
TSB - second current account, separate online account - how to merge into the old one?
I have TSB current account, plus regular saver, plus some redundant saving accounts. Was logged in when applying for a second current account, was accepted, but asked to chose a new username and a password. I vaguely remember (not sure) that there was some information that I'd be able to add it to the old online account…
Bank accounts with no overdraft?
I'm looking for a second bank account to use for online shopping with a debit card without exposing my main account, as a fee-free alternative to the prepaid card I currently use (I don't use credit cards). The main requirement I have is that there is no overdraft of any kind, so if there aren't enough funds in the account…
Barclays Bank Personalised Debit Cards
Hi, Please could someone with a Barclays Bank Personalised Debit card tell me if it appears on Apple Pay too and in the Barclays app, or if just the generic one is shown? Thank you very much

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