Budgeting & bank accounts

💸 Some threads you may find useful * What's your financial setup? Forumites explain how they organise their accounts * Which simple phrase or motto sums up your budgeting philosophy? * Living with a new partner: organising your finances * An Archived List of Switching Offers * Savings/investment DDs and debit card deposits…

I've been a nationwide customer for over 60 years and have been happy with their service.They have now decided to change from an excellent system which gives you all the possible information you could possibly want. Now they have a team who just don't seem to have any idea what is useful. For example I have used my credit…

New switch and Engagement Reward offers from Barclays for the Bank Account and Premier Account. Both offers are the same, the only difference is the salary requirement (£2,000 for the Bank Account offer, £5,000 for the Premier Account offer), and the amount of the switch bonus (£150 for the Bank Account offer, £450 for the…

I'm a sole trader graphic designer and am shortly to become a landlord too. This combo takes me into the realms of MTD. What MTD software can handle this twin revenue stream? Does anyone have any experience of having income from 2 different jobs? Lloyds Bank want me to set up a business account with them…is this a good…

Just had an email purportedly from First direct, saying I can claim 2% cashback on all debit card spend in November and December 2026, capped at £10 per month (so max £20 overall by spending £500 in each of the two months) in return for signing up to their "first direct perks" scheme. On the face of it, it seems legit, but…

I suppose this comes under budgeting! The 25th October is the last day to get Tesco Clubcard Christmas Savers bonus vouchers. Log on to your clubcard account - follow link to Xmas Savers - then buy £50 = £3 bonus vouchers ,£100 = £6 bonus vouchers and £200 = £12 bonus vouchers. You have to wait to get your November…

I’ve paid £20k into my biscuit account in order to fund a fixed rate pot. They’ve now restricted the biscuit account so I can’t transfer the funds. Does anyone know how long they’ll take to review it as the fixed rate pot has to be funded in 2 days

It looks like Lloyds are going to make an attempt to keep Halifax customers engaged. I received £5 for using my new Clarity card, which I intended to do anyway. I've now been offered 1% cashback, up to £10 a month, on my reward account debit card. Applicable for 12 months.

Hi Not really sure if this is the place to ask, but how many bank accounts can you realistically have? I currently have 3 in my name, my personal one, a joint one for bills, and another I use for switching bonuses. I'm thinking of opening a Zopa account to get cash back on our council tax and phone bill, but is that too…

If you're an existing Halifax customer, you'll soon become a Lloyds customer instead, as Lloyds Banking Group – the parent company of both – has announced it's scrapping the Halifax brand completely over the coming months. Here's what you need to know… Read the full story:…

I have had a Virgin Money Bank Account for years, since it took over Yorkshire Bank. Recently they sent me a new card, so I have changed my details in all the places I use it online. Saturday I went to Tesco shop to buy a few bits, I tapped the card and the machine said Invalid Card, so I put it into the machine and put in…

which she left to me. i have a letter in from barclays dated 6 july 1998 Stating further to our recent conversation.I am please to that we released the charge over your property. and the deeds have now been returned to the Newmarket Branch.we have place a copy of (my dads) death certifacate with the deeds and no further…

Recently I asked an ATM to withdraw me £150 from my current account. The wad of money appeared and somehow I only had one £20 note in my hand, the other £130 disappeared into the machine. I was upset. I thought maybe next customer will get a bonus of my money, so withdrew a further single note. That alone appeared and I…

I know that when switching bank accounts that all direct debits are switched also. However how are pension and other regular payments made to my old account dealt with ? Do I have to contact them with my new bank details or is this done through the switch ?

I struggle with spending self control when drinking on a night out and am looking for ways to curb my spending. I’ve two accounts, one current account and one credit card account. I don’t use a physical card with either but my credit card is on Apple Pay so I use that when spending. My credit card is with hsbc and I cannot…

I froze my card thinking that this would stop use at ATM's and any website and Point of Sale purchases. However, it also stopped a recurring monthly payment. On going into the app, I couldn't see any options to fine tune the freeze, there was only one choice. Have I missed something in the app that would give greater…

Unsure if this has been commented on; I didn't see it on a search, but I saw this function in use a couple of years ago in Indonesia and thought the function / solution was a brilliant way to easily distribute details to others in order to receive payments, e.g. repayment for a meal etc.

I believe this is something to do with new legal, and presumably fraud prevention legislation. My Santander app started coming up with a message that I needed to provide verification info and finance info or some transaction/banking options would be restricted. However it does NOT tell you what info will be required. I…

New HSBC switch offer launched today. T&Cs (updated). T&Cs (original). 1: Open a Bank Account in the HSBC app on or after 15th June 2026 but before the offer is withdrawn. 2: Within 60 days of opening your HSBC Bank Account: + Complete a full CASS switch which includes at least 2 direct debits. + Deposit at least £2,000…

Hello, I have recently opened a joint account with my dad with Barclays. This morning I received everything in the post except the cards PIN numbers which I believe I will get in due course. I want to use online banking and so I registered earlier. This is through the Barclays website I don't have a smart phone and so…

Hello, So my elderly dad and myself have opened a new joint account and he wants his state pension and attendance allowance to go into this new account. I know he will need to inform the DWP but what is the best way to go about this? if he has to phone them up what questions are they likely to ask him? he's not very good…