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Budgeting & bank accounts

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

Co-op bank can't set up standing order
Hi, I am trying to set up standing order with Co-op bank. Only got switched to them and slowly regret it at every step. Now I do not seem to be able to find option to set up standing order. I am normally clued up on things like that. Have been with many banks and never ever had a problem to find something as simple like…
Switching bank accounts multiple times
Hi all, I recently switched a burner account (I opened a second account with Nationwide) to Lloyds to get the £200 incentive which has now been paid. Is there any need to wait a certain amount of time before switching again from a legal/ bank perspective? I'd like to take advantage of the other offers available, most…
Money disappeared from bank account
My daughter had quite a large sum of money paid into her bank account (Monzo) last Friday. She saw appear in her account and texted me to let me know it had arrived (as some of it is for a re-payment to me). When she looked on Saturday morning there was no sign of it and no record of it having been in her account. She…
Accomdation circumstances
When applying for a basic bank account when you have been married for 15 years but the house deeds and morgage are solely in spouces name should you select the accomodation status "Owner with mortgate" or "Living with friends / relative not parent".
Nationwide Flex Direct
I just switched to a NW Flex Direct current account. It states the following condition to receive the credit interest These interest rates will only be paid if you are paying in at least £1,000 per month, not counting transfers from other Nationwide accounts or Visa credits. However, when they say 'not counting transfers…
Monese Inactive account fee: £1 per month after 12 months of not using your account. What to do?
I unfortunately didn't realise about the changes. I haven't used it in a long time and found I've been charged "£1 eleven times, and I can't transfer my £29 I have in there without another £1 charge. There's no way I'll get that £11 back right? Should I just take the extra £1 hit or try to purchase something with their…
Microsoft Money 2004
I have had problems recently with my pc and lost a couple of progams including Microsoft Money 2004. Is there anywhere I can download this? Thanks for any help.
Co-Op Bank Switcher Offer - Launched 07/06/24
The Co-Op bank have launched a new switching offer yesterday, not seen a new thread for it. £150 is up for grabs but it is certainly a more involved switch than more recent ones have been. At the moment no published end date but you need two direct debits for this one amongst the other conditions to hit the various gates…
Kroo bank blocked my account - then closed it - but won't give me my money
So on 04/10/2024 I attempted to give my new business a loan from my personal account only to be told that's against their T&C's and my account was now blocked. Sent Kroo details of my business bank account and proof of source of funds (wage slips) and thought that would be the end of it. Chased and chased and chased. On…
Open banking apps
Hello all i was wondering what apps people are using for monitoring their bank accounts via open banking. I’ve moved back to spreadsheets since Yolt closed a few years ago. I’ve since tried Emma, but never really got my head around it. What do you use? thanks in advance
Fineco: how to withdraw EUR to HSBC?
I know I've left it until late. I have a couple thousands euros in my Fineco account. They are closing now so I need to withdraw balance. I have a EUR currency account with HSBC, which I think should work. What I am not certain about is how to setup the payment. Is it supposed to be international transaction? is it SEPA?…
What to do with cash some after inheritance
Thanks to all help in advance.Hello I've just inherited some money and still going through various elements of a bereavement at a busy time and everything that comes with dealing with the estate, and I have some confusion on which bank to use for the transfer after some closures and a couple of questions. I tried looking…
Changing bank account number - not type of account
My brother found out that his details were hacked from one of his pension companies a year ago. They have just written to him again stating that investigations have now revealed that his bank account number and sort code were also disclosed. Basically, every bit of information required to steal his identity was taken. They…
Latest online banking advice November 2024
So the advice I have seen on here and BBC is have a second bank account and bbc also say keep any savings accounts at home on an IPad or spare phone. If your money is taken what’s the latest advice if say you had a password for your banking app written down in a note would they refuse to refund if somebody accesses your…
Santander Edge UPDATE
On Thursday I set about upgrading my santander current account to an Edge account, bare with it, it's a long one Simple online it said, except it said I wasn't eligible to transfer from one to the other, ok so let's open a new one and close the old one 😉 Went through the online process and received confirmation emails Next…
First Direct Visa to MasterCard incompatibility HSBC
Has anyone else had experience of this causing problems? It seems first direct like many other banks have changed from Visa to MasterCard (likely in order to save costs) For first direct this has caused a problem because their cards can no longer be used in HSBC self-service machines - with first direct being a “virtual”…
Nationwide Building Society - documents and statements now available in their app
I opened the Nationwide iOS app this morning to be greeted with a pop-up window informing me that documents and statements are now available in the iOS app (maybe Android too). A welcome addition as it can be laborious using online banking to retrieve my monthly FlexDirect statements. When I checked the document library…
Security gone mad
Got a message from Santander this morning offering me the 6% saver which I'm entitled to as an Edge account holder. Thought I might as well take advantage so applied and immediately got accepted and given a new sort and account number. So I set up the £4000 transfer from my Santander current account. They checked and…
How Long Does Co Operative Bank Cashminder Account Opening Take?
Hello. I hope you're well. On Wednesday (13th Nov), I applied online for a Co Operative Bank Cashminder account this Wednesday gone (13th Nov) and I got an email yesterday (14th Nov) to say that my application has been approved subject to some formalities which I'm guessing is their credit checks etc. I was just wondering…
paid off my student loan
I decided to pay off my student loan today! Cleared it in full! Won't have to ever see another student loans e-mail or letter again reminding me how much debt I have with them! Great feeling! Be worth it just for that! Bit cash poor though now! Hopefully it was the right decision in the long run! Anyone else voluntarily…

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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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