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Budgeting & bank accounts

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

Fraud... TikTok taking money from account
Hi - I've noticed odd activity on my bank statement within last 24 hours from TikTok LIVE Coins - 7 transactions for the same amount made late at night on the same night. I've never heard of this before but assume its digital currency. This seems to be a common occurrence when I Googled it. I don't have a TikTok account…
Club Lloyds - how do I access my cinema tickets?
I'm tearing my hair out clicking every page on the club lloyds trying to access my cinema tickets. I selected the reward a few weeks ago so the reward is definitely locked in to my account, but I haven't received the tickets by email and there seems to be now way on the club lloyds website to view them! It just tells me I…
Lloyds switch query
Evening all. My partner just switched her natwest to Lloyds. She has a Lloyds credit card. She has opened up the switch as a NEW customer so got new online banking details She has logged into her app (credit card). Will her credit card get linked onto her new online banking or should she have clocked existing customer? any…
Linking Plum app and Chase account
Hi. I am creating a Plum account to use for a DD in a bank switch. It needs to be linked with a bank account, however my donor account's bank (Metro) is not listed. The plan B was to create a secondary empty Chase current account and link that. Howerver, when I am trying to link it, it pops up the actual Chase banking app.…
Nationwide FlexPlus fee hiked to £18/month from December
https://www.nationwide.co.uk/current-accounts/flexplus/Information: From 1 December 2024, the FlexPlus monthly fee will go up from £13 a month to £18 a month. Bad news. Was ready for and anticipating a £2/month hike but this is going to warrant some research. Might be time for me to ditch.
First Direct headaches
Hello all, I'd really appreciate your advice, please. Around 5 months ago I switched to First Direct having read a lot of positive feedback. However, from the outset I've had problems with certain retailers/service providers not accepting my card or failing me for authorisation checks. I'm unable to register the card with…
Direct Debit maximising returns
Hi, I am trying to optimise my direct debit payments and wonder if I am missing a trick. Current setup: Council tax = Via PayPoint at Coop using a council issued payment card so I can pay with Amex for air miles Mobile phone = Lebara was happy to collect from my Amex cc Fibre, gas, electricity and various credit cards all…
Paying in Euros €5k in cash with a decent conversion rate to £
Hi, My parents gave me a lovely gift, but I'm not sure what to do with it! I have £5k in Euros, cash. I would like to pay this into a savings account, but when I went to pay it into Natwest (who I bank with) the exchange rate was awful. I'd only get £3.7k for my €5k. Even the person I was paying it in to said 'don't do…
POA - Adding the Agent as a party to an Account
My Father in Law is in a critical condition in Hospital and not expected survive. My wife is an Agent under a POA. Would his Bank on her request amend his sole named bank account into a joint account between him and her? Has anyone requested their Bank to do this? I perceive the advantage as being in control of the Bank…
Nationwide fair share scheme
Hi,I am looking for info on the fair scheme for 2025. I have read 1 or 2 bits, but nothing concrete.I missed out this year. I have keep monies in a CA & savings, but would like to know definite criteria. Thanks in advance.
Santander paying in cheque by app
Just been into my Santander app, now says you can pay in cheques via the app.
Santander banking app Magic Link
Both me and my husband have changed phones and can't get the Santander app to function because their magic link system doesn't appear to work. He's on Gmail & I use Hotmail and neither work. I've had to keep my old phone just to use the banking app. It's annoying if you are shopping online and need to verify something via…
Standing order issue
Looking for a bit of advice. I had set up a standing order and had meant to put next month as the start date rather than this month. The SO has came out of my bank account yesterday and put me over £300 into an unarranged overdraft ; the account is also a basic account as well so I assumed this should have been stopped if…
Fee Free Cards: Interbank vs Mastercard rate
I just bought a watch on Jomashop. I tried to use my Revolut card which is my default card for purchases in foreign currencies. But it said that there was a fair usage fee of 1% as I had gone over the £1000 monthly threshold. So I used my Sterling Bank card. The spot rate was $1.26511 but the rate Sterling used was…
Club Lloyd's £2000 pay in
Can you just recycle £2000 in to the account in order to get the membership fee waived and claim the benefit?
Money paid into my account incorrectly
I'm originally from the UK but now live in Australia. I have a money transfer account (which is NOT a bank account) in the UK, which I occasionally use to transfer UK pounds to Australian dollars. An Insurance company (who I have a UK pension with, and have paid money into this account before) have accidentally transferred…
Club Lloyds £200 switch issues…
Hi there, was looking to see if anyone else had the same issues. I wanted to take advantage of the £200 switch to club Lloyds as it has been advertised everywhere. I went through the website and followed the steps. As far as I could obviously see the criteria was: 1. have £2000 a month going in 2. have 3 direct debits…
Bank accounts with married and maiden surnames, Lloyds bank
Hello, I recently got married and went into Lloyds bank to change my name on my joint accounts with my now husband. I also have a current account and savings account with Lloyds which I want to remain in my maiden name, that is the name I use in my profession and the name I have had for over 30 years. Lloyds bank have told…
Moneyhub and rollover budgets
Hi Is anyone using moneyhub to track their spending and finances? I've been using moneyhub for a little while (moved from YNAB) and have found it great, but am struggling with rolling non-monthly budgets forward like YNAB did. Where some budgets work well on a monthly basis (groceries, utilities, etc.), some don't (eg car…
Bank Switch
I currently have a co-op bank account, I have always had one direct debit in place. I’m looking to switch to Lloyds, I’ve added another two direct debits and I can see the direct debits in my scheduled payments, however they are currently showing as.£0 and I can’t see when any payment is going to be taken, the two extra…

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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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