Budgeting & bank accounts

need help with a situation of identity theft and subsequent money transfers across my accounts. Money was moved from a Lloyds account in my name to a Wise account, also in my name, before being transferred on via western union. Which party is responsible for the failure of anti fraud systems, Lloyds or Wise? Lloyds were…

Hi All, I'm looking to get the Santander Edge Saver and adding 4k for the 6%. I see that I need an Edge current account do it. But I already have a Santander 123 Lite account and think I am better off keeping that for the cashback. Can I open an Edge current account, get the £30 Amazon voucher via the MSE link, and then…

I’ve been really let down by my bank of more than 10 years, Santander. I have always banked online with them, and I’ve never lived near a branch. But for the past 22 hours, since 1430 on 6 Nov 2020, my account has been blocked “for security reasons”. Briefly, I had closed my NS&I Income Bond account, because of their…

HI there, I have wanted a Nationwide FLex accoutn for some time as I have heard that the Nationwide is fairly ethical and that they give out £100 bonuses each year (though I'm not sure if these are for savings accoutn or current accoutn I still would like one of their current accounts. I have seen the £175 incentive for…

A friend of mine is going to start up as a sole trader alongside their main job, but is wondering whether they need a business account or if they can use a personal account for this. I gather some banks allow a small side hustle to be managed through a personal account but some don’t Has anyone get info about which banks…

I'm really annoyed at Halifax. I've had a current account with them for 30 odd years. Out of the blue I got an email from them telling me that my new debit card should have arrived, and I could start using it straight away. Strange because my existing card is valid till 2029. The new card didn't arrive, so after a week I…

My old HSBC physical secure key stopped working two weeks ago - battery stopped working and it wouldn't switch on. Requested a new one by phone - after informing them - and my old one should therefore have been deactivated? Received my new key yesterday. The unhelpful instructions just tell you go to hsbc.co.uk to activate…

So for thing like Zilch and such where you link a card, what works in terms of cashback stacking? If for example I had a retailer offer with my bank for 10% cashback and then Zilch also had a cashback offer for the same brand, amd I right in thinking I wouldn't get both as the payment wouldn't be recognised as from that…

I know there's a regulation that says that notification of a change to a regular DD payment needs to be made at least 10 working days before the payment is taken. But is that the organisation sending out the notification or the account holder receiving it? Problem is that our council tax has gone up by a substantial…

hi all, I’m in a very distressing situation right now. I made the mistake of transferring my wages and savings to Halifax as I wanted to start fresh from my other bank account with HSBC as they aren’t the best in my opinion. I made the mistake of transferring money to my Monzo to pay off my Monzo flex and then decided I…

Hi Usually when you go on their website to login to online banking it asks you to generate a code from your mobile app. But now it asks you to login to the app and scan a QR code that appears on the website. I have tried scanning the QR code several times but nothing happens... Anyone else had this issue?

I have been cutting back on what I spend on direct debits from my Santander Edge Current Account and because they no longer give cashback from shopping I now have less than £3.00 cashback which no longer covers the £3.00 fee so I am thinking of closing my edge current account ( maybe switching to get a switching bonus)…

Please be kind, a new medical issue means N/W FlexPlus Aviva insurance won't cover me for ANY declarations that haven't been a problem before. So pointless renewing on 1 Oct. Trying to find insurance cover has me too stressed to properly get my head round the Fairer Share for 2025......... I'll downgrade our Plus a/c to a…

It's no surprise that after the Barclays takeover, TescoBank have announced that they are withdrawing this card from April 2026. I have found this card invaluable in places that won't accept cash but can be risky carrying your usual debit card ie. swimming pool, where you leave valuables in a locker. I would like open a…

Hi, I thought I would write a brief advise for people looking for a new Bank to use. Do NOT waste your time applying for a Starling Bank Account. Here goes: My brother and I had discussed getting a joint account for us to manage the monies from the death of my mother. We have agreed to open a joint account to keep all…

I have a Nationwide Bank account, which I am mostly happy with, however one small gripe is whenever I or someone transfers money to another Nationwide account it only shows the sort code and account number. I phoned them up to see if I was doing something wrong and they stated that I wasn't. So I guess I just have to put…

Hi, I have a US dollars HSBC currency account, I wanted to transfer some dollars from that account into my HSBC Global currency account, for some strange reason I don't get the option to transfer between these two accounts, I tried both on the app and online and nothing, I thought you could easily transfer between these…

I had a senior moment yesterday where i didn’t have enough funds to pay my credit card direct debt. And the payment had been returned. I did top up my account before the end of day but it’s not been taken yet. On the credit card app it is still shown as processing. Does that mean it will be taken in due course? In the mean…

This discussion was created from comments split from: Incentive Bank Account Switching - cancelling DD after switching.

Small trick I discovered if you want to create some dummy accounts for Current Account Switching to get the switch premiums. 1. Open a bank account with Chase through their app2. In the app, open a second account3. Link the debit card with the second account4. Use that second account as a donor account for your Current…