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Budgeting & bank accounts

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

Confirmation of Payee says No - which banks allow payment regardless?
I'm keen to get a payment into a brand new West Brom BS RS before the month-end. My usual payer bank, RBS, says can't confirm payee (which WestBrom did warn about) and won't allow payment. To save me trying each of my current accounts in turn, can anyone confirm which bank(s) are more trusting/foolhardy and will allow this…
New Santander App - deposting cheques not working
The new Santander App now has a function to deposit cheques. However, it isn't working for me. Samsung S21 or Samsung S10. It used to work on the old app. It reads the data in off the cheque but then tells me that the photo is of poor quality. When I finally got through to the "help" desk. I was told that "the app is…
2 signatories
I've received a cheque from a business that has 2 lines for 2 'authorised signatories' but only one signature has been put on the cheque. Can I still deposit it or will the bank reject it?
Banks that allow multiple references for same payee
Hi, I’m looking for a current account that allows multiple references per same payee please (I.e. you can add multiple payees, all with the same name sort code and account number, but different references). NatWest doesn’t accommodate this for example. Thank you!
Switching bank account mortgage application?
Hi all, I have recently received a chunk of inheritance, most of which is going towards a house deposit. I have found a house and had a mortgage offer from West Brom and accepted this. I’ve opened a Chase saver account for the house deposit as it had a good interest rate but would like to switch bank to First Direct for…
Current account switching
Hi all first time posting so please be gentle I have recently started the process of switching my current account and taking up with FD with the active offer of £175 can anyone advise me how long have you got to stay before switching again? Under FD t&c it states 3 years from your switch date surely this is not correct?…
I need a bank account to share with my Dad, without sharing credit scores or anything else
Hi aallllll - I'm kind of struggling with how to phrase this question really so ...maybe if I describe it you can help me. I want an account that doesn't affect my credit rating that my Dad can access. I'll put money in the account every month that we can both access- the idea being that we only get the money out if need…
PayPal abroad
I would like to send some money to family in Spain for the 3 kings celebration. (Not much money but multiple small amounts to different people). My bank charges are quite a lot for the amount of money I am sending. Does anyone know of a debit/credit card that allows cash transfers with small fees. I know PayPal includes…
Section 75 credit card claim and and Insurance Backed Guarantee
Hello please can any body advise me whether it is legal to make a Section 75 claim and also claim on my insurance backed guarantee for the same faulty installation. As the credit card has not covered the whole cost of the original installation. Thank you Michelle
Treasurers account
For about 30 years, I, along with a couple of friends, have been running a Xmas savings club at my local cricket club, with funds being paid into a Lloyds Bank account. We had to have two accounts, one we paid the cash into that generated a very very small amount of interest which is donated to charities and the other to…
Should I downgrade my Nationwide FlexPlus account to FlexAccount?
I'm paying £13.00 a month and didn't mind as I was using their phone insurance. I just set a direct debit up for Urban Jungle home insurance at £9.75 a month and that covers all my gadgets when out and about. So don't really need Nationwide insurance now. I can't use their travel insurance as have pre-existing mental…
Barclay’s £175 Switch Offer July 2024
Surprised this hasn’t been picked up on already. The deal launched today 8th July: Use the Barclays app1 to switch your current account to us by 30 August 2024 and we’ll give you £175. This offer is only open to new customers who opened a Barclays Bank Account or Premier Current Account between 8 July and 30 August 2024.…
AceMoney Database Size Limit?
This is one for AceMoney users... Historically, I've started a new AceMoney database every five years. My current one is just coming up for five years, so I've started thinking about closing it down and starting a new one. But is it necessary? Has anyone found a limit to the size of database with which AceMoney can cope?…
First Direct App
I read somewhere recently that you can only have the First Direct app working on one device due to the fingerprint technology. Is this true?
Conversion to GBP
Hi, I have 200 Euros (in notes) that I want to exchange into sterling, either directly with my bank into my account or into cash... What would be the best way to do this so I can get the best deal? Post Office? Bank? Thanks
How do you stay motivated with budgeting?
As above really. How do you stay motivated with budgeting long term. I tend to do it for about a month and then slip back to bad habits which is what I've been doing recently. I have pots for spending and saving but what else? A job for every pound? Write down all your spends? Both are things I don't do. What would you…
Receiving foreign currency options
Hello, I'm hoping to be able to move a fairly large amount of foreign currency (a mix of US and Canadian) over a 3 month period to the UK to build up my deposit to buy a home. I've done a bit of research and online platforms like Wise and Revolut seem to be options, as well as Lloyds and HSBC. Has anyone done this before…
Offshore Bank Account
I've jus been informed by Barclays that they are going to close my bank account as I am overseas (bit of background here - my intention was to keep using my uk contact address and keep the account open but I've cancelled my uk mobile contract & when I enquired about setting up the app on an overseas mobile, it raised a red…
Does anyone recommend a bank account?
Hi. After yesterday's experience with Barclays I need to switch bank accounts. In short, my mother has had a few spells in hospital this year and I have been taking care of her bill paying. Every time she gets a big bill to pay, Barclays anti fraud team call her to verify the payment and if she doesn't pick up the phone to…
Changing current account switch date not possible?
Hi, I recently got a new account and want to switch my other account to it to get the reward. During the application process I picked a date for the switch to start (mid-January as I was expecting some payments to arrive and didn't want to risk the switch offer being withdrawn while I waited). I now want to switch to…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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.

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Budgeting & bank accounts

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