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Budgeting & bank accounts

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

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There so many good offers for current account can people help me out by compiling a list of what banks offer for opening a new current account with them and what banks offer for switching banks with them. Switching accounts Abbey - £40 Opening accounts Llyods TSB - £50 Any help would do, as im trying to see if I can be a…
Moving money to Australia
I am emigrating and want to know where to start looking to get the best rate (and safest way) to transfer our funds. Any help please?
VENT: Terrible Customer Service & Complaints
I have created this post to ensure that any banking customer complaints can be easily viewed at any time. It is my intention to move such posts to the vents board leaving a summary here. The summary will include a link directly to the post in the vent board, the complaint outline, date of complaint & finally the date…
Citibank T+Cs
I want to open this account but I dont have a salary as I am a student, am I excluded by these: You must either: Earn over £20,000 annually and pay your salary into your account monthly, OR Earn over £30,000 annually and pay your salary into your account monthly or make an initial deposit of £2,000*. Can I just make a…
Which current account to go for?
I have had a Halifax Cardcash account since god knows when. My credit history has been pretty boring but got improved throughout the last year or so. Even managed to get myself an Egg and Barclaycard. At the same time I got the cards, I thought it would be nice to have a proper debit card. Unfortunately Both Smile and…
Moving from First Direct...but to where?
I've been (happily) with First Direct for 5 years (i think) but it’s no longer giving me the best deal out there - but having gone through most of the money sites I can find (and even having trawled MSE extensively) I’m still none the wiser as to who I should move to... Citibank or Alliance & Leicester or…
Would you like to be a board guide for this board?
Read Martin's description of what being a board guide involves here. If you're interested in volunteering for this board please reply to this thread.
How can I do it? Any ideas???
Hi All. I'm a first timer here and am looking for some help. This site is awesome and is the answer to alot of my problems... but not quite all. I've wasted a fortune on books telling you how to save money and bank a fortune etc... But all I want as a first step is to spend less than I earn. I know how I can do it. I've…
With all the offers, how many current accounts?
With all the promotional offers for free wine, £25, £35, and £40 etc being offered for opening current accounts, is there any limit to how many you can have? Can it cause problems having a number of them? What is the most that anyone has? Do people take the incentive then close the accounts down a little time later or just…
New Debit Card
I just got my new Debit card, but it isn't a Switch anymore, it is a Visa Debit Card. If I buy online what do I select now instead of Switch? Also, so I charged anything as it says Visa on it?
Question about £1000 per month rule
Hi I'm thinking of opening a current a/c with A/L (5.5% interest) but I don't earn £1000 per month. Does transferring £1000 to the account per month fufill the minimum amount or do I have to look for another account? Thanks Kev
On-line account with auto fee-free O/D
I know of Smile, First Direct & Cahoot. Are there any others ?
Current Account Suggestions please....
My partner has a bad credit record but does have a Halifax Card Cash Account with an Visa Electron card + cheque book. The only problem with this account is that it takes 7 working days for a cheque to clear!!!! As he is self-employed and the majority of his customers pay by cheque this is a budgeting nightmare. Can any…
current account-less than £1000 month
I currently bank with Barclays at a pitiful rate of interest. They could offer no better rate so I decided to switch. However, most accounts with good rates ask for £1000 a month to be entered into the account. I Live in Cornwall, by which I mean that I don't earn enough for these accounts. I am looking for a good rate of…
Current account suggestions please?
I'm looking for a new current account, with the cheapest possible authorised overdraft rate, and who are likely to authorise an overdraft of at least £200 on an ongoing basis. I plan to keep the balance as close to zero as possible, yet still be able to get cash in a hurry. Whenever I incur an overdraft, I plan to pay it…
Best joint account?
Hi. i am in the process of buying a house with my future wife and were about to set up the mortgage! obviously this is going to be a fair amount of money and would not be fair if it all came out of one account! our idea is to set up a new JOINT account! what/where is our best choice? the account will simply have money but…
Cahoot users: standing orders / transfers question
Do any fellow users of Cahoot's current account services have the same problem as me? If I try and setup a regular transfer of funds from my current account to my Cahoot savings account, the online bank system does this: (1) I create a future transfer and confirm it. (2) the Cahoot system creates this future transfer and a…
Advice on Refund Error...
Right. Last September, I ordered some currency from an online bureau, to be collected. In between ordering and collecting, my bank switched from Switch to Visa. As a consequence, they bureau had to refund/recharge the transaction. For whatever reason, they refunded both the old card and the new card (instead of just the…
the best internet banks
I'm interested in opening an internet bank account, could anyone give any views on the various ones available and their pro & cons. Any advice would be appreciated. thanks
Halifax switched cards on me
My Halifax Switch card expires end of Jan and I recently recieved the New Halifax Card, which I have now only bothered to take a look at. Theyved switched, the switch to Halifax Visa. I do have a TSB Visa/Delta, which carries the delta logo, so am I presuming its the same in operation?, because there IS no delta logo on…

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