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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 *…
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Kroo bank “accounts under review”
Hi Myself and my mum have bank accounts with Kroo. She had a big win on a gambling website, to which she transferred to my Kroo account to pay off my debts. Kroo almost immediately froze both accounts, and has had them “under review” for days. Their live chat do not answer, their phone lines can’t do anything about the…
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New HSBC Advance Switch Offer
Get up to £220 when you switch, bank and save with an Advance Account and Online Bonus Saver Get £100 when you open an HSBC Advance Account and switch your existing account using the Current Account Switch Service. Start your switch, including 2+ Direct Debits or standing orders within 30 days, and within 60 days pay…
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Santander £185 Switch Offer: 18/03/24
From Santander website: Switch to Santander Edge, Santander Edge Up, Everyday or Private (v2) current account and get £185 Switch using the current account switch service. Within 60 days of telling us to switch your account, set up 2 active Direct Debits and pay in £1,500. Sorry we can’t offer this if you’ve received a…
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Serial switcher
Hi all, Over the last year or so I've switched to various banks got the reward then switched to the next bank. So far I've had rewards from: HSBC SANTANDER LLOYDS BANK ULSTER BANK TSB I had to stay with TSB for 6 months to get the additional £75 now I'm ready to move again. I think these all belong to different banking…
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NatWest/RBS/Ulster £200 Switching Offer- 15/2/2024
Good morning, NatWest have now launched a £200 switching offer today. See: https://www.natwest.com/current-accounts/switch-your-banking-to-natwest.html EDIT: RBS and Ulster have also launched the £200 switching offer. See: https://www.rbs.co.uk/current-accounts/switch-your-bank-account-to-rbs.html…
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Council Tax Maths
Council Tax bills are coming out this week. The councils are playing a game. They claim it's only going up 5% if you just read the headline figure and put it away you are likely being fobbed off. I have no idea how they get to this number because £2158.44 to £2,335.06 is 8.18%, not 5%. Check yours…
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FCA 'won't stand in the way' of an end to free banking, says boss
Looks like the City Watchdogs have paved the way for banks to charge customers for current accounts in an end to free banking. The FCA have stated the regulator would 'not stand in the way' of banks opting to charge customers to hold accounts. While some providers already impose fees to maintain certain accounts that offer…
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Halifax / Lloyds £1.50 FX Counter Withdrawal Fee
Just seen mention of a £1.50 foreign exchange fee when withdrawing cash on the back of a .pdf statement. I remember these charges a long time ago and as I recall they were levied by Visa - some banks used to absorb the fee and others passed it on. Has it made a comeback?
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Debit Card Subscription
I have cancelled my John Lewis insurance which, for the last year was paid via debit card subscription. It was previously direct debit but they changed it at renewal. On cancellation I asked them to remove the subscription as my bank won't let me do it myself. After several emails going back and forth they just kept…
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Standing Order in to a Closed Bank Account?
I'm helping sort out the finances of an elderly relative who will soon be the subject of a Power or Attorney. She has of late been confused and scarcely able to run her own financial affairs. In 2020 she closed a Bank current account, but it appears she never stopped a monthly standing order going into it, from her…
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Direct Debit
Hi, newbie to the site. My ex partner has been having a lot of problems with her housing assoc, i wont go in to all the details as not relevant here, but my question is...when a housing assoc is asked to change a direct debit with a bank, how long after should it be before the new amount shows up on her online banking as…
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Issue with withdrawing money online from a Leeds Building society account
I have had this account for about a year and this was the first time that I had tried to withdraw any money/transfer to another bank. I got stuck at the point when a security code is sent to my phone because nothing arrived. After 3 attempts to generate one, I rang them up. The person suggested a problem with my internet…
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First Direct regular saver
My 12th payment comes out today. When can I transfer the money out to another account without losing the 7%interest? Does it need to stay there until the complete 12 months has elapsed ? The first payment was made 7 May 2022.
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Co Op Switch offer (seen 15th January 2024)
I saw that the Co Op Bank switching/referral offer had disappeared from the main MSE article a few weeks go but I've just been on their site and it seems like it's back, £100 for switching plus £50 for using the attached saving account. Just had a brief look so far (I currently have another switch in motion) but here's…
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Hyperjar Cashback offer in MSE email Dec 2023
Hi, I've signed up to Hyperjar using the link in Martin's email: The articles says: "Up to 2.5% cashback for the first three months (5,000 available)." I have followed the terms of the offer and ordered the free physical card. How do I tell if I am one of the lucky 5000? Don't want to switch spending to this card unless I…
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PayPal - different currency conversion upon receipt of funds
Dear All, In the last few days I’ve used PayPal for the first time to send money as a gift to a friend in France. My first transaction I sent £50.00 GBP sterling, PayPal converted to €56.08 - 1.12 conversion (approx). 48hrs after making the transaction my friend sent me a screen shot of the amount they received €53.38…
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Cifas marker help
Good afternoon , I was made aware I had a cifas marker placed on me a month back by Barclays I got my subject access returned data form back and the reason I’ve got one placed is Misuse of facility the case type is falsely reporting a loss and the role within case is falsely disclaiming transaction. So I opened 6 Barclays…
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SMS confirmation messages for secondary credit card holder - how?
Me and my wife are emigrating and consolidating bank accounts to leave a single UK bank account remaining in the UK we can use for anything we still need to do in this country. Our main account for many years has been a joint account with the HSBC, so we thought that was the natural one to keep, but we didn't have credit…
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Anyone else having a problem with the Halifax app saying their phones rooted/Jailbroken
I had this error pop up after the app updated back in Nov.The phone's an Android, never been rooted and has been running the app for over two years without a problem. I was told that the next update would fix it. The update rolled out last Friday and nothing's changed!Called the helpline a number of times, and they have no…
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Nationwide sending letters to dead customer
My partner died 18+ years ago. He had an account with Nationwide. It had about £1 left in it and I’ve been unable to close the account as I wasn’t the executor to his estate. Every year at about this time I receive a letter from them about something or other. This time relating to Virgin Money. This time the only contact…