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Budgeting & bank accounts

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

LPA when the Attorney Lives in Canada
Hi, I am hoping someone can help me find a new bank for my Mom. I am my Mom's LPA, she lives in England and I (her daughter) live in Canada> Mom currently banks with Nationwide and they will add me as an LPA, but as I neither live in the UK nor am I an existing customer, they won't allow me online access either via the app…
Nationwide "Fairer share payment" announced?.
This was published yesterday. https://www.edinburghlive.co.uk/news/uk-world-news/nationwide-confirms-accounts-eligible-100-30542150
Contactless transaction limit on Chase debit card?
Does anyone know what the contactless payment limit is for debit cards on the Chase UK current account? I was under the impression that there was a general limit of £100 on contactless card transactions, but recently paid a restaurant bill of £127 using my Chase debit card and it was accepted without any issues.
Santander to Tandem transfer problems.
Has anyone else struggled to make a payment between their Santander and Tandem accounts? I set up a new Tandem a/c today and tried to transfer around £14k from my Santander Edge account using the open banking facility on the Tandem App. Santander blocked the transaction and also blocked my online Santander access.…
Barclays Statement Machines
Barclays are in the process of removing there Statement machines from branches where you could print bank statements there and then! Now gotta get them posted or online! Some Branches might be able to print them at short notice etc for good reason! Anyone else use these machines!
Vendor not received my in-person debit card payment
Hi there, I hope someone can help me. Ten days ago, I made a payment for good at a local shop using my debit card. Tried contactless, but it wanted me to put in my pin, so I inserted the card, put in my pin. The card terminal said approved, and then it reset back to it's home page, it didn't give the option for a receipt,…
Cryptocurrencies inc. Bitcoin
Dear Forumites, I'm already invested in various things which I largely understand e.g. Innovative Finance (Peer-to-Peer lending) and Stocks and Shares by way of a global index tracker, and have been keen to diversify into other things for many years. Currently, I wish to educate myself regarding Bitcoin and other…
HMRC cheque cashing recommendation please
Hello, Today I received a £670 cheque from HMRC, for overpayment on a private pension lump sum, £500 is the most I can pay into Monzo via the app. I can post it in, but normal wait times for it to clear are up to 4 weeks, and we all know Royal Mail Tracked means absolutely nothing apart from proof you sent it at this time…
Santander app, SOs now not appearing on date order, my fix ?
In the last couple of days, the list of standing orders for my OH's Santander current account is being listed in a random order. Previously, it had been in date order, so it was easy to determine what was coming out the account and when. Mine is still in date order. Any ideas on how to change it back to date order ? He is…
Halifax Cashback Extras
Has anyone any experience of these not being paid and having to chase? I was due a payment at the end of November which hasn't arrived. Halifax chat have told me I need to call the cashback team on an 0345 number. I'm worried the cashback will be wiped out by the cost of the call.
Santander Direct Debit Question
My daughter has recently opened a Santander Edge Up account but in order for her to get interest she needs 2 x direct debits and she only has one. The bank said to get round this setup a direct debit to send a £1 to me every month but surely this is a standing order not a direct debit? How can she set up a direct debit to…
NatWest Banking offer Issue
Hi all, I have completed the NatWest requirements but they are telling me I have another account under NatWest group and have had the switch offer before in April of 2024. But I haven’t had an account with anyone associated to NatWest. I want my switch bonus! Any recommendations?
Lloyds Bank online does not show pending credits or debits.
We recently switched from HSBC to Lloyds, opening a Club Lloyds Account for a nice £200 bonus plus free Disney+. With HSBC we could see upcoming credits and debits a day or two before they were posted. This gave us time to ensure that they were valid and that there was enough money in the account to cover debits. On a…
Barclays Removing overdraft
I have been with Barclays for nearly fifty years. And in that time, even as a student, I can't remember having to use an overdraft. However, at the moment I am keeping all my funds in fixed bonds or high-interest accounts where moving cash incurs a penalty, so the short-term cost of an overdraft may be cheaper than the…
TSB switch - cashback on 20 debit card payments per month
I switched to TSB recently for the switching payment plus the additional cashback offered on making 20 debit card payments per calendar month. They took a while sending the PIN through the post so I didn't have much time to rack up the 20 payments for September but I thought I'd done it in time, however I have noticed that…
TSB account - Identity Fraud
At the end of August or very early in September someone opened a TSB account in my name. The account was opened with an address of a house that we had sold at the end of February. I had set up Royal Mail forwarding and the debit card and new account details were forwarded by Royal Mail to my new address - fortunately,…
Nationwide Online Current Account Statements missing
We used to get our FlexAccount statements as pdf from online banking. Nationwide have changed their website so that you now have to select the account for which you want a statement from a drop-down list. The drop-down list shows all my savings accounts but does not show my FlexDirect account, so I am unable to get the…
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Sorry Deleted.
NatWest Rooster & Google Pay
I was wondering whether anybody is having the same issues I'm currently having with my teenagers (13 year old) NatWest Rooster account. The account is advertised as being compatible with Google Pay, allowing teenagers to use their mobile phones to make contactless payments. I have followed all of the instructions on the…
Santander current account switch offer - DD question
Hi, I'm thinking of switching (my secondary) current account to Santander to get the £150 switch bonus. It needs to have 2 DDs set up to qualify. Do they have to have payments happening every month or do less frequent payments count too? I don't want to be caught out by a technicality... My council tax is paid by DD but…

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MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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