Budgeting & bank accounts

Discuss bank accounts, banking apps, budgeting hacks and how to organise your money.

New to the Budgeting & Bank Accounts board? Start here
💸 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 💸 Some useful links to MoneySavingExpert.com guides * How to open a bank account *…
Starling current account Interest Rate now 3.25%
Starling are putting the interest rate on their current accounts upto 3.25% from 1st October. Also calling for the big banks to follow suit. https://www.starlingbank.com/news/starling-bank-boosts-interest-rate-for-personal-and-joint-accounts/
Barclays Blue Rewards - Closure
I must admit I've never really understood what Blue Rewards is all about or why......far to complicated for me. However events have taken over and I'm switching my Barclays current account to another high street bank. I've emptied my Rainy Day Account & requested online that it should be closed. Cancelled my direct debit…
Barclays Blue Rewards
Barclays have removed mine and Ms Descrabled`s overdraft facilities and we each run our account balances at less than £1.Barclays charge the Blue Rewards fee of £5 thus making each of us overdrawn. Can Barclays charge us If we are unable, or forget, to transfer the offending amount to clear the overdraft? Will we have a…
Bank accounts that do not create dependency on smartphones to use the account
Hi I would like to do online banking without the need to have a smartphone to access the account. If l lose my smartphone then i have a problem in that i can't make fast online payments. also i would like to use the smartphone as little as possible not everytime i make a payment. Any ideas on which banks do this. I am with…
Open Banking comes to ApplePay
From iOS 17.1, now available in Beta, you can optionally see the balance of some debit and credit cards in ApplePay. Works initially with cards from Barclays, HSBC, Lloyds, RBS, Monzo and Starling. Sadly, this seems to only work on the phone, not on the watch. May be they’ll add that later You authorise the connection in…
Nationwide Switch Offer £200 September 2023
Hi, Nationwide has launched today a new switch offer with a £200 incentive. https://www.nationwide.co.uk/current-accounts/switch/ https://www.nationwide.co.uk/current-accounts/help/terms/current-account-online-switch-offer-terms-and-conditions/ All rather straight forward and easy to achieve but a watch out is point 7 in…
TSB Sep 2023 switch offer
I notice that the bit I've put in bold from the last TSB switch offer is not there in the new September offer: In the new T&C's: Does this mean I can switch to TSB before adding 2 DDs to the TSB account by 31 October?
Santander pointless online payment limit
Yesterday evening I needed to move a bit under £3k from my Santander account to another account to pay a bill due today. Tried to do it - said it exceeds my payment limit!! What?? I'd moved £4k to the exact same account in May. Why is my limit now £2k? Thought I'd now have to spend ages on the phone to them, but found you…
Savings/investment DDs and debit card deposits- An updated list
Welcome to this thread. I have decided to create this thread to provide a regularly updated list of savings and investment accounts that can be paid into by direct debit and/or debit card for the purposes of satisfying the various bank switching offers and reward accounts that are available. This thread is intended to be…
too good to be true?-direct debit setup same day or 1 working day?
So, I setup a Direct Debit (DD) to pay my Tesco Clubcard credit card using Kroo current account. This was setup on Wednesday 27 September. My Tesco Club card statement which has date 27 September and became available to download yesterday (Thursday 28 September) says: From that it clearly indicates the DD has been setup.…
For those of you who track every spend
I know some of you use spreadsheets, others use specific money managing software but this is a question to those of you who input all your spends. This is the first year I've really put in an effort to log every spend. I have categorised as much as I can think possible - as I want to see exactly where money is going. For…
Bank maximum transfer amounts.
Good morning,I recently asked in the savings forum if anyone knew of a bank which did not have a 'silly' restrictions on money transfers. (Bear with me!). Someone posted a link to a list, which described the limits of a number of institutions, but as pointed out by another poster, it's rather out of date. I've just found…
physical card readers
do i still need card readers? i use nationwide and they still require it for bacs payments. do other banks still require these devices?
experiences of using chase UK
I have been using this service for nearly a year now and want to pass on some feedback as to where it fails, vs a 'normal' uk banking account' 1) the app allowed me to use funds from 'round up' to pay off a credit card bill, credit card could not find the funds because the chase app, does not store the reference, also it…
Problems freezing/unfreezing cards in the Halifax app? You might need to whitelist "tags.tiqcdn.com"
After spending several days wondering why I could only occasionally use the card freezing/unfreezing function in the Halifax app, I finally tracked down the problem. When you use this function, the app tries to connect to tags.tiqcdn.com. If it cannot connect to this domain, it simply won't let you change the freeze status…
Bank switching rewards
I’m a newbie to bank switching and have a few questions I am hoping someone with more experience might be able to help me with. Is it possible to switch a joint bank account and still get the switching bonus? Appreciate this may vary from bank to bank but wondered whether anyone had experience of it. Once you switched and…
Any probs with Monzo
Hi all. I hope you’re all keeping well. I’m wanting to switch to Monzo, paying my monthly salary in there and switching some DDs. I have an account open and ready to go. I typed Monzo into Facebook and I have seen some negative Monzo related groups. Many saying Monzo closed the customers account with warning and no reaso-…
Monzo - Frozen Account
Hi I am after some advice please and not for people to accuse me of being a drug runner or a criminal like some facebook page for Monzo has. My partners Monzo account was frozen on Friday 15 May. Done all the usual research on this and realise there are hundreds of people in the same predicament. However, my main query is,…
Chase Banking App, terrible?
Hello, does anyone have any experience of using the Chase banking app. I've had my account now for just over a year and am pretty happy, the 1% cash back has been a great feature, but.. The app is consistently letting them down. Often for hours at a time when I enter the app the circle loading appears and it's unable to…
Bank accounts for charities
Does anyone who runs a charity have any suggestions or recommendations about current accounts. My church has had a CAF account for many years, but cash has to be paid into a branch of HSBC with a counter service. Our nearest one is 20miles away and we have to make deposits weekly. We tried to open an account with other…

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