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Child’s 1st bank experience/account
Hi, Child (8) went to town to open first bank account. Really pleased with HSBC branch who gave him a money box although I have to create the account online.
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Help - my bank is closing all its current accounts!
We have been customers of Intelligent Finance for 20+ years. They have been slowly closing down as stopped doing mortgages years ago and they don't do contactless or immediate bank transfers etc. However, opened a letter last night which informed me they are closing their current accounts and from 23rd July will not be…
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How can Natwest be this bad?
Well that was a fun experience. In an effort to bag £200 of free money I switched my current account to Natwest. The switch itself went flawlessly but I can't use the account properly at all. Account has been open three weeks. Two card readers apparently have been sent out, neither have arrived. I was told multiple times…
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banking app on 12 year old's phone?
Hi All, So my 12 year old has just got a HSBC bank account. It would be great if they could check the balance etc easily but I'm not sure if putting the app on her mobile is the best of ideas. HSBC are pushing the mobile app as the easiest option, but I wonder if just a website login is more sensible for now... Has anyone…
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Old bank statements
previously held a personal bank account with the Clydesdale bank. It has since been closed and now it’s Virgin Money. I am trying to obtain copy bank statements from 2011-2012 however I’m being told by the bank that the bank only hold these for 7 years. Previously old account info was scanned onto microfiche and stored…
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Barclays Fraud / GDPR breach
Good Afternoon all, I’ll try and keep this simple and down to the GDPR issue. If anyone can help suggest how to proceed I’d really appreciate it. So over a 3 month period across 2 of my current accounts I had nearly £6k debited from each over approx 180 txn. These aren’t my main current accounts so rarely used and didn’t…
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Switching
I have never switched. My husband pays bills and I have a separate current account. I work part time and don’t earn a lot. So I don’t have any direct debits. Are these always required to get bonus? Can I suddenly set one up and then switch soon after or would that be a red flag to bank? Don’t want to ruin reputation with…
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Saving Pots
When I first came to MSE almost 20 years ago I used saving envelopes and put money in each week toward things...birthdays, car, days out, appliance repairs and a few more. Now back again and using " virtual pots" How do you do yours...of you do ? Cash or virtual ? How many do you have ? How much do ypu save towards each ?…
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Barclays Premier Joint Account - Qualification Criteria
Barclay says that you need £75K salary paid into the account. Does this mean that each of the account holders should have at least £75K salary or combined?... I understand that this is probably a silly question, but I am I right in thinking this should be £75K after all deductions, right? (i.e. pension contributions,…
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Converting TSB Spend & Save to Spend & Save Plus
So, the automatically generated email says my new card and PIN are in the post. Can anyone confirm that I can continue to use my existing card? Will I actually be sent a new one? I don't really trust their systems to give me correct information. Just I intend to milk TSB for every penny I can. They won't even give me a…
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First Direct joining bonus - previous customers - GDPR
First Direct offer a joining bonus but "New customers to first direct only, who have not previously held a first direct product". I am pretty sure I had an FD account many years ago, so long its no longer showing on my credit reports.How long can they keep this data?Shouldn't GDPR apply here if I am no longer a customer?
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Inheritance question - Best bank account for moving money from Germany to the UK
My partner will be inheriting some money and a share in a property in Germany later this year. We are looking at what the best way is to transfer this money to the UK. Is it best to open a Euros account in the UK with someone like Starling? The property will be sold so it is likely that the proceeds from this will also be…
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NatWest - what on earth has happened to their customer service?
My credit card has just been declined (I think due to me trying to top up my phone's Sim card) but, at the time of typing this, I've not been able to get through to their fraud helpline to get the card 'working' again. I've been holding for over an hour now, my phone charge going slowly ever upwards. Can't even get the…
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How much do you make from bank Cashback/Rewards?
I'm just curious really - no specific reason for asking... I've got the Natwest Premier Rewards account so I get £10 per month (£4.50 each for two Direct Debits and £1 for logging into mobile banking). The account costs £2 so a net gain of £8. I put about £500 a month of spend through my Chase account which nets me about a…
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Virgin M Plus Current Acc & M Plus Saver
Do you need to have 2 active DD's set up on a Virgin M Plus Current account to keep the rate and have the saver? I cannot find this in any of the literature I can access in my app account but I also don't know why I would have set up 2 DD on this account otherwise. One of my DD is now going to cease so I will need to find…
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Starling bank expired debit card
I tried to use my Starling debit card twice today and it was declined as it expired yesterday - I hadn’t noticed. I’ve now done online chat with Starling who has applogised (not much help when I can’t use my account). They are saying there’s a delay and I should get it within 5-7 working days and can only order a…
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Default Account
Hi I have a bank account that’s gone into default. If I was in a position to pay this off would I be able to start using the account again? Thanks
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MSE News: Bank of Scotland, Halifax and Lloyds to close 53 more branches – here's the full list
Bank of Scotland, Halifax and Lloyds have announced they'll close at least 53 more branches between them over the next two years. We've rounded up the planned closures for each bank and what the alternatives are if you still want face-to-face banking... Read the full story: 'Bank of Scotland, Halifax and Lloyds to close 53…
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Setting up a Bank App
I need to set up a app with my Bank the Bank Of Ireland and i need a registered telephone number to do it My question is do my do my smartphone have to be registered with my Bank or with somebody else ?
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Switching current accounts if you’ve only ever had one current account
Hi, l have never done the current account switching thing to get the offers before. I have had the same HSBC current account since 1993 (it’s just a basic bank account). When I’ve applied for credit they ask me how long I have had my current account, so if I switch accounts I will only have had it for a few weeks or…