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Budgeting & bank accounts

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

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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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…
Banking for Teenagers
My daughter would like a bank account with a mobile app which also allows her to have a savings account (easy access) so she can move check then and move between them easily. Does anyones children have this? , looking for recommendations. I have a Ch@se account but in the UK it didn't seem to have accounts for. Children,…
Zing £30 offer
How long did people wait to receive their £30 in their Zing account after their £5 spend? I applied for the Zing card the end of October, and I made my purchase 5th November. It's now 3rd December and not received it yet. I know it said 'up to' 30 days but just wondered if anyone had received it sooner. Thanks
Advice Needed: Considering Moving Banks Again
Hi everyone, Here’s my thread for context: Rejected Twice for Starling Easy Saver and New Line with O2. I left NatWest earlier this year to save money on my business banking, and after doing my research, I decided to switch to Starling for business and personal. Unfortunately, based on my experiences over the past few…
HSBC Premier minimum monthly transfer
What is the minimum you need to transfer in every month to meet the 100k income requirement? I am guessing this is after tax so much less than £8333. Anyone who has been doing this for any length of time?
Chase / Switching
Thinking of opening a chase account for switching as they don’t seem to do hard credit checks, I’m guessing they are part of the switching service, also I’ve read you can open a secondary account with them so you can continue using chase if you want to, how does this work and will it still work with the bonuses being paid…
Child account is blocked
Hi, My child 14 years old has a TSB account, which has been blocked because of a credit of £5 to the account. What he told me he sold something through tiktok, and communication was through Snapchat. He is unable to contact that person through Snapchat now. TSB said to provide evidence where £5 came from and reasons. If he…
Monument easy access savings account
I am hoping someone can give me a little reassurance. I am looking to open the above account and am hoping I can just draw the interest out each month but still have access to the funds at short notice as and when as we are looking to buy a house and just want to get our money to work for us. Have read through most of the…
Change Direct Debits To A Different Santander Current Account
I have two Santander current accounts, so can I change my direct debits from one account to the other online?
Nationwide FlexDirect - 1% debit card cashback for 12 months for new customers
Terms: https://www.nationwide.co.uk/-/assets/nationwidecouk/documents/current-accounts/resources/p4327-flexdirect-cashback-offer-terms.pdf?rev=6b68f2feaac241c3ba987a135b9631ff&hash=B8A67D960A511D0F7944077FD56EA7F3 Max £5 a month. Cash-like transactions are excluded. Customers who hold or have previously held a FlexDirect…
Packaged Current Account
With Nationwide hiking flexplus from £13 a month to £18, are there better value packaged accounts around?
LBG closing all my accounts on 18th May
As it says on the tin really. Today I've received 3 letters dated 15/3/23, from Lloyds, Halifax and BOS telling me that they will close my account 65 days from the date of the letter. I'm trying to work out why they have decided to do this. I suspect it may be related to one or a combination of the following: * I am…

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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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Budgeting & bank accounts

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