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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 * An Archived List of Switching Offers * Savings/investment DDs and debit card deposits…
Tesco Bank Community (forums) closure
Tesco Bank has their own 'Community' i.e. web forums. This friendly message is what appears on the front page (link to archive of page): Community from Tesco BankOur door is always open, come on in. Immediately above that is this message: Community closure We wanted to let you know we’ll be closing our Community site on 14…
Barclays business bank account od removed with no notice
Hi, I have a longstanding business account with barclays and we have an agreed overdraft. We use the overdraft when we have a large project running for cashflow and it's never delinquent. We are currently just under a third of the overdraft balance. Our bank account was frozen on weds, it was their error and we managed to…
Anyone know what 25togo is?
I've had a payment paid referring to '25togo' into my bank account, crazy thing is it references my wife's name against it. My wife hasn't sent me anything, nothing has come from her accounts she's checked. I can't find anything about this 25togo apart from something to do with a type of handbag, a mystery.
Is this a Scam on a bank account?
I noticed today on a bank account the following unrecognisable transaction from yesterday. The bold is the supposed recipient of the "Money Out" with the other text the transaction reference: INTL CARD ILPXIADE £0.48STEPTEMBER+61299758427 AU(Date) I have zero subscriptions, nor have had any purchase transactions on this…
Santander free forever bank account changes
Just got a letter in the post that Santander are changing my business account to £9.99 a month. I've had it a very long time and remember Santander trying this move before only to be told they can't because the original sign up material pushed it as being free forever. Does anyone have any thoughts?
Nationwide - Lost £440 Payment
Hello I was wondering if anyone can advise me on what to do please, I withdrew £440 from ‘Britain’s biggest bingo site’ (not sure if I’m allowed to name them T******) late at night on the 14th June 2025, and the next day when I woke up on my front screen notifications it said Nationwide ‘ £440 T****** ‘ approved ‘ .When I…
Fare Share Qualifying Conditions Other Nationwide Accounts
Hi All, Here's one to watch out for. I have qualifying accounts for the fair share and have enough money being paid into the account from a client. I wasn't aware that the client was paying from a Nationwide account and wouldn't know how to check this but this made my fair share payment void. I only knew why because I…
First direct frustrations
Having banked with FD for years, today i choose to pay a sum off on an MBNA MC, logged on and went through all the security checks for the payee through the drop down menu, filled in the details, clicked pay.... Simple or so I thought. I received a text message from FD fraud dept saying they wouldn't pay the bill until i…
2 x Santander Edge Accounts
Hi, I currently have an individual santander edge account & edge saver (with max £4000), my wife has the same (also maxed out) I'm led to believe we can have 2 edge accounts each does that mean we can open a joint edge account & a joint edge saver? Thanks
When do Cheques Clear
I recently paid a cheque into my Nat West Personal account on line. A few days later the cheque had cleared and my account had been credited. I acted on it being cleared. A full day later Nat West reversed the payment and debited my account. Can they do this?
First Direct Perks
Seems like a new reward scheme incoming?
how does switching affect my credit score?
Having just learnt of the insane salary boost that may go to the Nationwide group's ceo, I've determined to work harder to get what I can back. A good place to start might be to get as many of the sweeteners offered by banks to switch accounts. But then I read to my annoyance that by doing so, my credit score could be…
Nat West Bank Account-Clarification Questions
Not clear on whether the £1250 that needs to be paid is a one off payment to qualify for the £125 payment (I know it can be made up of several payments) or do you then need to continue to pay £1250 every month. Martin Lewis website states £1250 per month. Again, not sure if this applies to the Reward account or the Select…
£205 (-£36, so £169 net) for switching to Santander
Just got my newsletter and this offer caught my eye. Has anyone tried it? I already done it once (it was some time last year) with First direct and it went without a hitch. What about Santander?
Switching a joint to santander
hi all looking at switching to santander for the £200 can we switch our halifax joint? Does anyone know? Thanks in advance
Barclays appalling "Customer Service"
I found a message which exactly matched my issue and then lost it!! Both the Barclays app and online have lost all but one of my payee details. First phone call to outsourced Customer Service as the other person said, "Advisor" didn't have a clue, language barrier, and didn't make any notes. Tried to update some details…
Refused Nationwide joint account- code Rd24?
Hi, I tried to apply online and was flatly denied, no reason given. After many calls to nationwide the only thing I can find out is that it is related to an application refusal code rd24. The person I spoke to said he thought it was a credit check issue, although not clear if it was me or other applicant (my wife) who had…
What do you do once you have used all of the cashback switching offers from banks?
Like I’m sure many of you have, once you use up all of The available bank switching Cashback for the time being, what do you do until the next one is available?I as most banks, don’t let you get cashback again with them for several years, Are there any other comparison sites that provide cash back incentives for switching…
Now it's Monzo's turn
https://www.fca.org.uk/news/press-releases/fca-fines-monzo-21m-failings-financial-crime-controls Starling and Revolut less lonely now.
NatWest reward account - how quickly can I take the 1250 payment out?
Can any NatWest rewards regulars in here answer a question? You have to pay in 1250 a month to qualify for rewards, but does it have to stay in for 24 hours like it does when doing their switch bonus, or can it go out again same day?

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MSE News

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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.
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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.

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Budgeting & bank accounts

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