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Budgeting & bank accounts

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

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…
Prepaid Cards Guide Discussion Area
This the discusson for Prepaid Cards guide. To discuss/ask a question click post reply.
Hating the look of the Nationwide Banking app
Just got the new app. Hate it!! The text is soo big . Just checked - you can read it from more than 2 metres away!!. No more checking the account in a public place. So big that I have to scroll through 2 screens to check my accounts. Worse of all the actual page the balance and the date are half the size of the transaction…
Unarranged overdraft
So yesterday on an account that a hardly used which is charged £20 a month to use it had gone overdrawn by £7. I noticed this today and cleared the funds. What impact will this have on my credit score if any? The account is with NatWest
Standing order not cancelled
I could have sworn I cancelled the standing order to our old water company when I made the final payment. Anyway, it appears that I didn't and the usual monthly payment has been taken. I can still log in to the water company account and they have our moving out date and updated address, will they automatically refund at…
Bank Account With Transaction Limit?
Hi all. Recently my mother had a very close shave and nearly fell for a text based phishing scam. Thankfully her bank spotted the problem, and their fraud prevention team contacted her and put a stop to things just in time. For this reason, we went to her bank and asked that they set a transaction limit - i.e. she can use…
Freelancer, looking to automate/idiot proof my financial life.
Hello! Thanks to MSE Forumites' help, I've consolidated a bunch of credit card debt onto one interest-free card, which I'm now focused on paying off as promptly as humanly possible. Meanwhile, I'd like to set up a massively idiot-proof means of running my financial life, so that I never find myself in anything close to the…
Bank switching tiny direct debits
Hello, I’ve opened up a burner account with Chase to do the Nationwide switch; but I didn’t realise I would have to wait 2 weeks for a payment to come out for my first direct debit. Does anyone know of a quick dd I can set up that will take the first payment quickly? Thanks
Chase UK closed account without any warning
Hello, has anyone experienced Chase UK just closing an account without warning. I had my money in chase and was my main account for pay and making direct debits and chase have closed my accountz After a dozen phone calls including with a ‘manager’ I was told the business has made the decision to close your account but we…
Transferring money from Santander Everyday Saver to Monthly Saver
Hi I currently have £4300 sitting in a Santander Everyday Saver only making 1.2% in interest and wish to transfer it to my Santander Monthly Saver making 5%. Is this possible? The most you can save in the Monthly Saver over a year is £2400. Thanks.
Switching current accounts
Hi, i want to switch to a Lloyds current account but have direct debits with Halifax ( 3 dd's) and Santander (2 dd's)! I dont think i can switch them both online so am i better going into my Halifax branch and would they do them both for me?
Downgrading Santander Edge current account
I was going to downgrade my Edge current account to Everday current account to avoid the £3 monthly fee ( not earning enough cashback to cover fee) Will i be keeping same card/pin/account number? In order to keep the Edge Saver i would need to open another Edge current account (without adding dd's)??
TSB - £5 cashback a month for the rest of the year
Just been sent this email from TSB *Terms and Conditions: Please read these terms and keep a copy for your records. 1. To be eligible for cashback, you must be the named recipient of this email. You must have a TSB current account which cannot be a business account. You must be 18 or over and a UK resident. We’ll have sole…
Easy access used as a regular saver
If l open a easy access account at say 4.5% but used it like a regular saver account say £100 per month. Could l achieve the same interest gain as if l had a regular saver at 9%. I don't think there is one at 9% mind. Just a example.
If you lose phone
I recently read someone was done out of money with one of the smaller online banks. If your phone is stolen and someone gets is your money protected? Had mine stolen this summer but was luckily I blocked my card quickly but I worry any savings could be at risk if they guess your password?
Can’t get into online banking without Face ID RBS
So a few months back my Apple pay stopped winding. After my phone was stolen and I had the app on it I decided to keep the app on in my house. Reason is I have heard of people losing money if people access there bank. So I usually log in on the desktop website. Now I can’t log in asks for Face ID only available on the app.…
Savings
Edited post
Scam advice please
I earlier received a text message from my bank, it came in the existing thread of previous texts. It said they'd send a text from 60292 where they'd require my response. Text came I replied N as it wasn't recognised though I had just made a payment online. They then responded and said I'd receive a phone call. Phone call…
Santander £185 Switch Offer: 18/03/24
From Santander website: Switch to Santander Edge, Santander Edge Up, Everyday or Private (v2) current account and get £185 Switch using the current account switch service. Within 60 days of telling us to switch your account, set up 2 active Direct Debits and pay in £1,500. Sorry we can’t offer this if you’ve received a…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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.

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Budgeting & bank accounts

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