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Budgeting & bank accounts

Discuss bank accounts, banking apps, budgeting hacks and how to organise your money.

halifax money back a/c loop hole
Last weekend, I used my money back debit card to buy newspaper at Tesco, and asked for £20 pounds cash back. I think would the £20 pounds also count into final "cashback spending". I personally think so, because, the whole transcation will be deducted total amount (including the cashback amount). If so, when we shop in…
Overdraft - HELP!
Hello all! I am with the Abbey on their account for 16-18 year olds. A few weeks ago they gave me an overdraft of £100. I know that this means I can withdraw money that I don't have, but I can't find any information about paying the money back. The interest rate is 0%. Can anyone tell me about how and when I pay the money…
Transferring money to Germany
Forgive me posting this question for the second time but I'm new to this and cannot even find out where to find my 7 replies to my first post. So I'll start again and repeat my question. I intend sending a sizeable amount of money to my daughter who lives ing Germany and want to know the cheapest, safest and easiest way to…
Unrecognised bank debit
I have found a debit card debit from my bank account for about £70,from a source based in sweden. I have made no such transaction,did not lose my card at any stage,and I am usually very careful who I buy from with online shopping. I called my bank Lloyds TSB to inform them and all they could do was tell me that the company…
Almost had my card cloned - Bank disappointed me
I recently nearly had my card cloned by one of those ATM cash machine scams where the crooks place a card reader over the slot and a mini camera over the keypad to catch your PIN number. With your swiped card information and your PIN they can make a copy of your card and withdraw your money. I had already put the card in…
Opening a new account
HI, I am a foreighner in UK and came here 16 months back to work. I had great difficulty in opening my Basic Bank Account with HSBC after trying all the other banks, as I needed an account to transfer my salary. Now I have a current and and a savings account with them for over an year. Now the problem is that my wife will…
Advice given to bank advisor
I was asked into my Lloyds bank this week to speak with the account advisor. The ploy was to see if they could 'save me money', no doubt by selling me their own stuff. After 30 minutes I had completely shot down all her advice and saved HER pounds!!!!! She requested the Money saving website and was going to log on when she…
£50 Alliance and leicester cash is if you take the creditcard to...
Just read Martins latest Tips and he mentions the A+L £50 offer. Just to point out if you read the small print, you must open (and use) an A+L credit card as well otherwise you get £25: "This £50 offer is available for online Premier/Premier Plus Current Account applications and is in conjunction with a successful online…
german bank account
hi, i am wanting to get a german bank account to transfer money to and from. and to make sure i can send money via wire to other people in germany. how easy is it for a uk citizen to set up a german bank account? can it be done and will it require me to visit germany? many thanks
I don't believe it!
I have just received my UK Citizencard which I applied for around a months ago. It says on there website that retailers and banks accept them and it is endorsed by the Home Office, Police and Trading Standards. The only reason I purchased a card is I tought I could open a bank account with the card as proof of ID. I was…
Tax on cash incentives?
Just wondering... When you receive a cash incentive for opening a new current account, or recommending somebody, or signing up for Egg Money Manager etc... ...is it taxed at the same rate as interest, or does it count as a non-taxable "gift"? Last time I got a cash incentive for an account I was a student and therefore a…
which is best option?
I am purchasing a car on friday for cash. What I want to know which is the best option for paying. The car is £5,450, I have £6,000 in my IF current account which offsets my mortgage or £5,000 in my ISA. Which is the best option? Any help would be appreciated. Thanks.
First Direct Savings account
Hi there, this is my first post so I apologise if I've posted to the wrong area. I opened a first direct account a couple of months ago along with a savings account that was offered at the time. I bought martins book yesterday as I need a bit of a diet. One of his recommenations is to see what apr you actually get on…
postal theft - credit + ATM cards
Telegraph newspaper this weekend publishes an article re criminals stealing banking cards while working for Royal Mail - or private special delivery services used by some banks to supply credit and ATM cards direct to customers. Good news is Royal Mail now has tough new powers to vet employees, and evidently it is…
Halifax online nightmare
I am tearing my hair out here, maybe some advice from any of you guys could help me (please)?! Every single week for years, the day before my tax credits go in I check all my standing orders, and I change some if I have to, I've always done this the day before, usually in the evening, never ever had a problem. Last night I…
wanted an acc't that doesn't req. £1000/m going in
Basically I have FD accounts and have some complicated banking going on. My requirement now is to find a seperate account which gives reasonably high interest, ie 5% offered on some current accounts. The complication is I just want to put a large some of money in and the get all my big DD to be paid from it, but then not…
Basic Bank Accounts
Ive had my account with LLTSB for over 25 years. But now im in loads of debt which im just starting to deal with and need to open a basic account which isnt associated with Lloyds TSB or Cahoot or Egg (I owe them all money and im worried they could dip my account). Are there any basic accounts out there which come with a…
Account for DD bills?
Looking for a new account to use just for all my DD bills which preferably transfers my existing DD from my main current account. Needs to have good online banking. Any recommendations?
Investing interest free savings overdrafts into high interest savings account?
Firstly, hello everyone, im new to this board! Forgive my ignorance, I am fairly new to the world of savings accounts etc, and am currently, with the help of this great site trying to maximise my savings. My question: Could I open a number of savings accounts with interest free overdrafts, take out the overdrafts and…
halifax joint account query
my partner has a current account with halifax..now due to my bad credit hisory. i want her to add my name to the account. will they do a credit check on me or what??? i remember when i added her to a savings account i had, she only had to provide i.d and thats it. anyone know what the process is? i dont want a card ,just…

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