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Budgeting & bank accounts

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

Kroo Recommendation
Just a recommendation for an app called Kroo. It is a UK based business which is great for groups of people that need to split bills etc. I've used it a few times when on Stag dos for example. I have a fee-free foreign transactions on my card, so tend to pay most of the bills for food, and then my mates will use Kroo which…
My first internet bank account ......
Cahoot was my first internet bank account. This account had a very useful facility called Webcard. Basically, if you wanted to buy something on the internet this webcard would generate a random one time card number. I would buy collectables from all points of the compass anywhere around the globe and it worked well,…
Ready to switch
I have numerous current accounts, mostly with Regular Savers attached, but now that my Regular Saver with HSBC has ended I want to switch. I have already got Santander, Club Lloyds, Halifax, BoS, FD and Natwest. I used to have a Nationwide account but closed it at least two or more years ago. will I be eligible as a new…
TSB to shut 70 branches across the UK next year - here's a full list of sites set to close
TSB is to close 70 branches across the UK between April and June next year. This is in addition to the 164 branches closed already this year. We have a full list of the sites being shut below and what to do if your local branch is closed... Read the full story: TSB to shut 70 branches across the UK next year - here's a…
Co-operative Bank Online Banking
I'm hoping that there's someone here who is more familiar than I am with Co-op Bank's online banking (web, not phone app) and is willing and able to help. I've recently opened a Co-op Bank current account. So far, so good: everything seems to be running smoothly. But where in their online banking can I see a list of my…
RBS switch offer 2021
Hello bonus baggers...
Switching Tesco current account
Tesco are closing all Current accounts I tried to switch my current account to Virgin. Tesco rejected this as the said due to unprecidented demand they have had to suspend my switch and they would tell me when to apply to switch in the future. How can Tesco do this they are closing accounts not me. They then tell me to use…
Student bank account as a PhD student
Hi, so last summer I graduated through my undergrad (integrated masters) I had and still have a student account at Barclays, which they haven’t yet changed to a graduate I think due to covid, however I am starting a PhD in September so I am wondering how that might work, can I get a new student account elsewhere?
Money saving tips
Hi, does anyone have any good money savings tips?
Metro Bank Warning
We put money into a fixed term online bond with Metro bank after seeing it on this website. The bond has now matured and we have gone online to return the money to our usual current account with another bank. After allowing a small amount to be paid out, Metro Bank then locked the account and insist that we visit a store…
Open a bank account with no valid passport or driving licence
I have a Power of Attorney for property and finance for my mother who is in her 90s and suffers with dementia. I am about to sell her house to fund her care home fees which will raise a substantial sum. Mum does not have a valid passport or driving licence. How can I open a savings account for her without these forms of ID?
The scammers are out this weekend
Sigh .....
Using 3 current accounts
I have three bank accounts and as a student, I want to use my money wisely. My current plan is: Santander Student Account - Source account - where my student loan goes into and my accommodation fees currently come out of. Nationwide FlexAccount - Savings account - I have the Start to Save account so am saving money in here…
Best bank account for a rental property income and expenditure....
Will any do? Thanks
Facebook Messenger Scam/Monzo Bank
Hello everyone, I’m wondering if anyone has some advice or help with what has happened to me over the last week. Last Tuesday I received a message from my niece on Facebook messenger, saying that she had a direct debit that was due the next day that she had forgotten about, and could I please send her some cash to cover it…
Changing Bank A/c Details on GOV.uk
Hi All Went on to GOV.uk to change the details but I searched all over but there doesn't seem to be an option to do so, does anyone know how to do this presumably if it can't be done on line I'll have to call HMRC?
Santander 123
I have £20,000 in a 123, earning 0.6% p.a. but £60 a month fees. (So £60 a year nett). I'm looking at switching i to an Everyday current account (No interest, no fees) instead of the 123 and moving the money to a 0.8% ISA. (£160 a year nett). Am I missing something or is this a better move?
Deleted Reposted in other thread
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Need to make a larger than £25k payment
Hello All, I need to send a payment of £36k for a vehicle private seller. I am limited to £25k a day with Halifax Online Faster Payments. With COVID-19 I am not sure if anything has changed, is my only option to find a branch near to the seller and get them to transfer in branch? Would it be possible to transfer half the…
NS&I Withdrawal Missing as Bank doesn't accept BACS
Hi, Wondering if others can help/advise on my situation... Last week, I processed a withdrawal from my NS&I savings to my bank account. This was not an inconsiderable amount of money (£49,500) and is for a house purchase. However, I have since found that my bank account does not accept BACS transfers and therefore cannot…

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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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