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Budgeting & bank accounts

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

Club Lloyds: Disney+ New Lifestyle benefit
From 1 April 2023 new and existing Lloyds customers with a Club Lloyds current account can get access to Disney’s streaming service for free. More at https://becleverwithyourcash.com/lloyds-to-offer-free-disney/
OTP codes and no mobile signal
Hi, my elderly mother (90 and registered partially sighted) banks with Santander and they require OTP codes to transfer monies etc. My parents live in a dead spot for mobile signals and rely on wifi. If Santander send an OTP code it can take a whole day to arrive which is no good when the code times out within 10 minutes.…
Equiniti shares transfer on death of a family member!
Hi, i wondered how difficult it is to transfer shares after the death of a family member. Ive filled in a small estate indemnity form and wanted to send the fee by electronic transfer. Firstly, i went to my bank this morning to explain that i want to send an electronic payment, can i do it in branch now and that i needed…
Halifax Cashback Extras - Mysterious eBay Cashback awarded that doesn't relate to any purchase
Just checked my Halifax Cashback Extras status, and noticed it was higher than I was expecting. Turns out I have been awarded £1.50 of cash back for an eBay purchase of just a few pence under £150, which I didn't make. I've been back through my eBay purchase history and all my Halifax statements for the last 6 months, and…
Barclays online banking error
This was not an issue until Barclays updated their display around 3 or 3 weeks ago. Any transactions that happen on a weekend cannot be seen until Monday, for example, a payment that is made or received on a Saturday, or a cash withdrawal on a Sunday. Yes I know the transaction is dated on the following Monday but these…
Based UK, paid by a US company in USD: best option to reduce transaction fees + poor currency rates?
Hi! i've searched on this topic but most threads seem quite old and some responses have mentioned Fineco bank as a good solution but that has now closed in the UK. In essence, I have just signed a contract working as a PT consultant for a US company. It won't be very lucrative and paid by the hour, something like 10 hours…
revolut logged me off the app, how can I contact them?
Yesterday I opened the app and I was logged off. Therefore I can't contact them via the in-app help. I tried logging to my account but when I put my phone number it takes me to 'create a new account'... How can I contact them? (I guess I have to use my email, so they know its me... but I can't seem to find any email…
Receiving USD from a US bank
I appreciate this subject has been discussed many times but given the fast moving world of online banking etc I would to ask for help. I am about to be sent a significant legacy which is currently with a US bank in America. I am aware that using my high street bank would not be competitive and have so far narrowed the…
Cancelled Subscription - Still Charged
Hi there I purchased a training subscription last year with an "optional" extra attached to the subscription. Its a bit squirrelly but essentially I went and cancelled the main subscription - but the provider have been a bit cheeky in my view and not cancelled the optional extra element. They then charged my card £250 out…
Email supposedly from Zing
Received an email, supposedly from Zing.... is this legit? (I applied for a Zing prepaid debit card last week) Hi **** Thanks for choosing Zing. We just need some more information before your Zing account is set up and ready to use. Please answer these questions: * Do you or any of your close family members hold or have…
TSB bank statement filter options
Hi, I’m wondering if anyone knows how to filter TSB bank statements just to show “Money in”, as I require just those for an application. I can only see the options for transaction dates, Name of transactions etc. If you search transactions, it doesn’t include the account number and sort code at the top and as my husband is…
Ulster Bank
I am in the process of switching my Ulster bank account to Barclays for the switch bonus. I also have an Ulster instant access savings account paying a very good 5.2 % I can’t seem to find the answer on the Ulster website but can I keep the savings account without having the bank account ?
Bank removed Direct Debit without warning if you dont use it
I have had a couple of direct debits set up for minimum payment for my credit cards, as a "backstop" if I miss something. I normally pay manually. Now I find (and my partner finds) that our bank has just closed his without warning, because they had not been used for a while (I think it's meant to be 13 months, though we…
Transfer error between accounts.
I made an error in transferring funds between accounts. Rather than transfer it to another account, it went to my loan instead. They've told me i can't get it back because of rules and should be more careful in future. Surely this isn't right and should be able to transfer it straight back. It's my money just gone to a…
Using a cash isa to pay interest off on an equity release mortgage - how to organise this?
I have a cash isa that pays 5.17% daily interest as recommended by Martin Lewis. I also have an equity release mortgage. I do NOT need to pay interest on the equity release, but interest will accrue at 5.5% also on a daily interest. I want to pay the interest on the equity release, every year, so that on my demise only the…
Starling Bank reducing current account interest rate to 0%
I recently joined due to the interest rate on this account but it now looks like from February 2025 they will be reducing the interest rate to 0% and this will also include the spaces so unless you use a savings account, you won’t earn interest. This is really disappointing. I have multiple accounts with other banks so…
NatWest £180 Switch
Seen on the MSE website NatWest are offering £180 for switching to their Reward account. On the info page from NatWest it says If you're an existing customer, you can switch your account held elsewhere in to an existing eligible Reward account, or switch in and upgrade an existing account to one of our Reward accounts. I…
Payment pending at petrol pump
Not sure where to put this. For a few years now I have always paid for my petrol at the pump and the correct money has always gone out of my account. I paid for some petrol yesterday £47 and it is showing payment pending of £100. Still showing this £100 pending 24 hours later. I have heard of this before, but its never…
Banks MUST now refund some scam victims
I've read that banks must now pay customers back who have been scammed online etc. Where do we stand with money sending services like Western Union, Wise ....etc? Thanks
Chase rejecting refunds
Has anybody else had Chase rejecting refunds to their account? I had to cancel train tickets booked on TicketySplit and rebook. I was given partial refunds on the cancelled tickets, but the first time that TS tried to credit them back to my card Chase rejected them. They appeared in my account a couple of days later. OH…

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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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