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Budgeting & bank accounts

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

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…
House sale proceeds
Hi everyone, we are in the process of selling our house in Scotland and relocating yo England. There may be a gap between selling and buying so we will have around £200k that we need to stash somewhere safe, any advice on where tk put it would be appreciated, thanks.
General Discussion about limit slashing on overdrafts and credit cards
I am concerned that banks and financial are using the cost of living crisis as an excuse to slash PCA overdraft limits or this could in turn cause financial hardship to and financial damage to already struggling families across the UK. Although banks are businesses and are entitled to do this, they are also expected to act…
Nationwide payment reference news
When I logged on to the Natiowide App this morning a message was displayed to say that the reference on a payment to an existing payee could now be updated - something that has been a bugbear on here for many years. I tried it and it looks like it'll work (I didn't complete the transaction as I didn't need to pay anyone…
Nationwide £50 interest free overdraft
It appears nationwide now offer interest free on the 1st £50.00 of your overdraft. https://www.nationwidemediacentre.co.uk/news/ghost-of-christmas-overdraft-festive-season-brings-surge-in-brits-dipping-into-their-buffer
Natwest Digital Regular Saver £150 deposit limit
Hopefully this will be a quick question, but I can't seem to find the answer written on the internet anywhere I have the aforementioned savings account which they only let you pay in £150 a month I'm trying to work out whether anyone knows if you're allowed to make more than £150 in deposits if you've made a withdrawal…
Nationwide payment reference
Can anyone with the Nationwide app tell me if they can view payment references on their transactions?
UK Bank Account for Payment of French AGIRC/ARRCO Pension
I am a newbie to the forum and have a question on payment of a French AGIRC/ARRCO pension into a UK bank account. I am in the process of claiming a French pension from the time I worked there back in the early nineties. I now live back in the UK. It has been a painful process as you have to claim it through the DWP and…
Free banking for non profit organisations
Our Allotment association has been banking with Lloyd's for the several years without charges, however, they intend to switch the account to a Community account and start charging not only a monthly fee but also or every transaction that we make. This includes paying in cash or writing cheques. My query is, what is the…
Nationwide Flex Direct - Interest Payment
I have a Nationwide Flex Direct current account. Yesterday was the 1st. I expected to see a small interest payment, dated the day before, when I logged on. However, there's still no sign of it, even today. It won't be a large amount (it was 30p last month), so it's not the end of the world . But it's unusual, and I'm…
Lloyds and Halifax issue
So sometime last month via the Lloyds and Halifax app I updated my name using passport & selfie! to change it from Mr First Last name to Mr First Name Middle Name Last Name! When I go into the app & online banking it still shows First Name Last Name! Statements still says Mr First Name Middle initial Last Name Debit Card…

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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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