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Budgeting & bank accounts

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

Banks accounts for consultants......?
It seems that I am in the position of wanting the world! I am a consultant and so paid irregular amounts on a regular basis; the company I contract through ** Company link removed - This is not needed to understand the thread. Edited by Abuse Controller ** has a very tax efficient method of paying me: - Monthly, a salary…
putting my debit card number in the post
I subscribe to a magazine for my son, and they have written to say they can't collect the Direct Debit because the card number is out of date. They're quite right, I did just get sent a new chip&pin card. There was a tear off slip at the bottom of the letter saying effectively "write your card number here and post it to…
Closing Banks Accounts
Hi I'm moving from Halifax to First Direct, does anyone know if there is any good reason for not closing my original current account with the Halifax? I can't think of one, but I vaguely remember someone asking this question in another thread (which I can't find now), and someone answering with a good reason not to close…
strange student loan
Just checked my A&L account and I`ve been credited with £250 from the student loan co.About 30 years too late. Will contact bank to let them know,but if anyone is expecting this - it might be an idea to check their account.
Lloyds Incentive Query
I already have an account with Lloyds TSB and recommended my wife to move her personal account to get us £35 each. I am now wondering whether we could recommend ourselves (so to speak) and transfer our joint account across (from FD). Has anyone tried this before and will they pay out the incentive (currently £50 each)...or…
business account & general banking
:confused: I am a sole trader with an HSBC business current account, instant access savings for inland rev & VAT Payments. I also have an isa account for repairs to my vehicle. I have several other cheque & savings accounts, could anyone advise who is the best bank/building society to use to gain maximum interest & minimum…
Fair budgeting for couples
I earn considerably less than my partner, we want to look at our finances from scratch and re-arrange how we budget. This might be a techie question. What I want to know is how to make fair calculations that proportion our contributions. For example if I earn £1000 and he earns £2000 our total income is £3000 but my…
a Bank account with online inter. money transfeer facility ???
My Barclays account doesn't have this facility instead i have to pay them a visit. Anyone knows of a bank that allows you to transfeer money worldwide online?? Many thanks.
Refused A & L Premier Plus Acct
Hi, Just been refused the above account, as my creidt rating was not good enough. I was looking to switch from my HSBC current account I've had for years. I was offered a std current account with A & L but declined. Is it worth me getting my file from experian ? My credit history is pretty poor, is there anything you can…
Upgrading Alliance & Leicester Account
Hi All, I am currently an Alliance & Leicester Current Account holder (the zero interest one, not good I know!), and intend to upgrade to either the Premier or Premier Plus account. Either way, does anyone know if when you do this, as an existing current account holder, do they just 'upgrade' your existing account, or…
Investment to replace insurance?
I don't believe in breakdown insurances and insurance against emergency plumbming disasters etc. but I would like to invest a small amount per month to cover myself for such emergencies. Would an ordinary savings account do, or is there something better such as a long-term policy? Bearing in mind that this would be a…
Accts that need a monthly set amount paid in...
Can anyone tell me if I was to set up a current account that has to have a regular monthly set amount (£1,000 or whatever) paid in - does this have to be wages. I currently work self employed (as and when!) though I am in the situation of having a lump sum in the bank - I am just wondering if I would be able to just set up…
Transfer times
I am in the process of changing over to the A&L current account. But i would still like to keep my three Barclays accounts that i use at the moment. How long does it take for a standing order to move money from say the A&L account to the Barclays Account? Most of our money will be paid into the A&L on the last day of the…
American Bank Account
My first visit to the site. This is my situation. I have shares in dollars in an American company and the shares are presently managed by the Bank of New York. What I would like to do is sell the shares and not have to convert them back to sterling because of the poor exchange rate. I would like to open an American Bank…
Free £6 & £7.50 from Cahoot and A&L
Not really current account related, but it will appeal to anyone bagging current account bonuses, so I'm posting it here. https://www.linemypocket.co.uk is currently offering £6 and £7.50 to anyone opening A&L and Cahoot savings accounts via its site. I've done this, depositing a tenner in each (instant access), and the…
Euro/barclays
Please Help !! I Import/export From Europe - I Opened A Euro Account With Barclays - Each Time I Pay A Euro Cheque Into My Euro Account Barclays Manage To Charge Me Commision And Interest !! ? Last Cheque I Paid In 320 Euros They Took 13.16 Euro Commision And 2.92 Euro Interest -how !! Any Help To Find A Cheaper Euro…
Where can I get a current acct?
Hi Just wondering if anyone can help - basically Halifax downgraded my acct when I got a new card to a Visa Electron - the disadvantages of these have been well documented!! I have tried to upgrade but because I have a default on my credit file they will not do it. This is being paid off via a monthly payment to the CCCS -…
First Direct £35 Free
I have read the post about the £25 free and I also received the offer in the post the last time round but didnt use it. This time round First Direct have mailed me Feb 2005 offering me £35 to open an account so long as I deposit £100 before the end of April. It may be worth asking for If you havent had the mailshot. ps I…
Cancelling Application - Credit Rating
If you submit a current account application online. Wait a few days for them to prosess it and then decide to phone and cancel tha application, would the bank submit a note on your credit history? I waited over 7 days for an application to process. I called to find out the status and the bank claim they have requested some…
Abbey £40 offer to open acc
I heard on the radio the other night an advert from Abbey stating it would give you £40 for opening an account with them in branch. I checked and there's nothing on their website about this. Has anyone been into the branch or seen this offer? Or if anyone knows under what conditions it would be paid, credits etc? TIA

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Lloyds, Halifax and Bank of Scotland to close 292 branches in 2024/25 – here's the full list, plus alternatives
Lloyds, Halifax and Bank of Scotland, which are all part of the Lloyds Banking Group, will shut at least 292 of their bank branches in 2024 and 2025, the Group has confirmed.
Martin Lewis: We need financial education in EVERY school for EVERY child
Universal financial education – providing young people with the knowledge and experience to thrive in our highly competitive consumer economy – is vital for the future of our society, MoneySavingExpert.com founder Martin Lewis has warned. Addressing an all-party group of MPs and peers at Parliament, Martin told them, loudly and plainly: we need financial education in EVERY school, for EVERY child.
State pension set to rise by up to £460 a year – but Martin Lewis warns it won't help pensioners this winter and most won't get the maximum
The state pension is set to rise by up to £460 a year (£8.80 a week) from 6 April 2025 under what's known as the 'triple lock' guarantee. But MoneySavingExpert.com (MSE) founder Martin Lewis has warned that any rise will come too late to help pensioners set to lose their Winter Fuel Payments this winter, while most won't get the maximum increase. Here's what you need to know.
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First-class stamp prices to rise by an inflation-busting 22% from 7 October – here's how to beat the hikes
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Nationwide to hike FlexPlus packaged account fee by £60 a year – should you ditch and switch?
Nationwide will raise the fee on its popular FlexPlus packaged bank account from £13 a month to £18 a month in December, the building society has announced. If you've got the account, it's likely worth sticking with for now – though you should diarise to look at alternatives when the new fee kicks in. Here's what you need to know.
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