Budgeting & bank accounts

Can anyone recommend a good budgeting app (that's not YNAB) that can connect with multiple UK bank accounts and help me track my cash flow so I can identify areas where I'm overspending? The well-known big names such as Quicken Simplifi or Monarch Money seem to be mainly America focused with little or no support of UK…

Hi, so after 50+ years as a Clydesdale bank customer we have been switched to Virgin money some time ago and now going to be part of Nationwide that will apparently mean more emails to the inbox anyway we are looking to switch away from Clydesdale/Virgin Money, do not need a mortgage, no lending required etc., etc. just…

I have been with Nationwide for many years. I have been working as a sole trader/self employed for the past 18 years, and have been having invoices paid into my current account, and business outgoings going out from it for all this time. Nationwide have always said this was acceptable. It isn't huge figures, I don't pay…

Morning All, I’m mulling over opening a current account with Santander. It would run side by side with my NatWest account and give me some extra flexibility. Has anyone got any comments good or bad about the bank?

See here from 20th May 2026 they can use your biometric data without your consent now to prevent fraud for legitimate reasons. https://www.ukbusinesstimes.co.uk/natwest-may-20-2026-alert/

New £25 Amazon gift card offer launched today. Can be withdrawn at any time. LINK (taken from MSE, there are other participants whose links you can use). THIS OFFER HAS NOW ENDED. Requirements: - Register with VoucherSent and in the same session successfully open a new Santander Edge, Edge Up, Edge Explorer or Everyday…

Hi, my 6% on the Edge saver accounts expired today so I closed them via chatbot. I noticed that if you open new current accounts you also get Amazon vouchers. However, you need to use the current accounts for purchases to qualify for the voucher, which I imagine would trigger the monthly maintenance fee, wouldn't it. Is it…

Hi all, As the above is sadly closing on the 26th April I need to find a suitable replacement. It was a perfect account for the purpose, you could only spend the amount in there and got Clubcard points for all spending. So ultimately looking for a similar new account, with a debit card where money can be added weekly to…

Hi all, hope someone can help! My parents are in the process of sorting Financial LPA's. Both me and my brother did ours last year. They can't afford to use a solicitor, though I didn't use one myself anyway. One question I have been unable to answer, or find the solution online, is this: If you tick the box that brings…

I have had a Santander 123 Current Account for years and am wondering whether to switch to a Santander Edge Current Account instead? I don't need an overdraft and am more interested in interest rates and cashback. What would be the best move? 

My bank is going to enrol all their customers onto Click to Pay unless they explicitly opt out. It is possible to lose Section 75 protection though with some Click to Pay transactions. Is this worth worrying about?

Get a £50 Amazon gift card + between £20 and £51 cashback. Offer ends 1:00pm, 30th April 2026. OFFER HAS NOW ENDED. LINK - taken from TopCashback for the Edge Current Account (£20 cashback + gift card), LINK - taken from TopCashback for the Edge up Current Account (£20 cashback + gift card), LINK - taken from TopCashback…

I know there are limits on gifting money to avoid IHT etc, but are there limits/rules/laws on gifting sums of money between family or friends, non IHT avoiding-related? How would one go about gifting a sum (say between, £10,000 or £20,000) to a friend? Granted there will be many 'what if the friendship fails' or 'what if…

I’ve noticed that some monthly payments (like gym memberships or subscriptions) are still taken by Direct Debit, but they don’t always go through smoothly and can lead to missed payments or extra hassle. I’ve heard a bit about newer options like Pay-by-Bank or Open Banking payments and wondered if these are being used more…

I was wondering how businesses handle situations where they need to send multiple payments from one pot of money at the same time. For example, if a firm needs to pay out to a large number of people from a single amount, is it usually done as lots of individual bank transfers, or is there a simpler way to handle it in one…

Shocked to find Nationwide have 'switched off' their sms notifications for insufficient funds, without telling me! I noticed two Council tax direct debit payments bounced but, only after a month, as the council did not notify me either. In the past, I have always relied upon Nationwide's sms message alerts to give me the…

Hi - needing some direction with my current case. 2 Weeks ago , i noticed money being taken from my account on betting sites. I notified my bank immediately to be advised the transactions were pending and before they could not act on this , the money physically had to leave my account?? Is this normal ??? So, i waited…

Hi Until recently I have used Equals Business to provide two prepaid cards but they have introduced a £25 per month fee. So I have been checking out Wise who don't seem to charge a monthly fee. However I'm not sure I fully understand how they operate. They don't provide a contact for non clients. We just need two prepaid…

I have a credit on my statement from "NFT Main Disbursement". No idea who/what this is. I asked my bank to help identify the originator of this payment, and they helpfully advised me it came from "NFT Main Disbursement".Tried google, without any luck.Any ideas?

Hi, I have had defaulted debt with both HSBC and Barclays in the past. Both accounts were sold on to debt recovery companies, and so nothing directly with them at the moment. The defaults were over 6 years ago and so no longer appear on my credit record, although I am still making payments to the debt recovery agency…