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Budgeting & bank accounts

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

Lloyds club account
Hello!I opened a basic Club Lloyds Account account in June 2014 and found out from Google that in April 2023 they increased the minimum monthy amount to be paid in from 1500 to 2000, I don't remember getting and comms on that but perhaps I did. Anyway, I have continued to pay 1500 each month and the monthly £3 fee is…
Piggybanking budgeting with 4 weekly payments
Hi, I am a newbie and looking for help, I am looking to either set up accounts attached to my Halifax Ultimate Reward account that splits my income up into 'pots' to follow the piggybank way of budgeting or open one of the accounts the site recommends. However what I am struggling with to wrap my head around is the fact…
Bank accounts for community voluntary group
I've searched the forum and there are numerous posts on this subject. But many of them are old, and offer recommendations or links to providers and products that are no longer available. So I'm asking questions in a new thread. My wife is chair of a small local voluntary community group which looks after gardens,…
Making Regular Payments to France
I want to send a regular monthly payment of £100 (equivalent) to my 14 year old grandson's existing account in France. I can do this easily enough 'fee-free' using my Lloyds current account. However, the receiving bank seems to feel justified in charging 14.75 euros for accepting the deposit; obviously this does not make…
HSBC UK & paying in Australian $ cheque
I opened a HSBC account as I was receiving a cheque from my Australian pension fund (they don’t do transfers) & my existing bank doesn’t accept them. I went into the branch (full service cashier) & they said the cheque had to be sent off to be processed. This is fine however I was then told there is no way to discuss this…
NatWest Negative Interest
Hi all, Woke up this morning to some unusual transactions on my NatWest account. A number of 'Interest' payments (they were categorised by NatWest as that) of random negative amounts being deducted from my balance. Small amounts, like £1.76 or £2.94 for example, and with random dates typed into the transaction entries.…
Unknown credit in my bank
On the 2nd October I received £788 from CR LTD. I have looked everywhere online and cannot see who this company is. I’ve asked the bank and they aren’t much use with information. The only money I’m expecting is from travel republic/easyJet for a holiday that got cancelled but that only totals £661 can anyone shed any light…
TSB Switch - new account creation issues?
Hi, Bit confused on setting up this new TSB account to get the £100 switch bonus (plus £15 per month after that for a while) Going through the motions, to want to apply, it seemed to only be able to be applied for on the app rather than the website. So I downloaded the app, started creating the account. Nowhere during the…
Natwest & Plum DD
With the reward does it work with a Plum DD being taken twice in the month, or does it have to be two different DD?
CIFAS SAR
Hello, just looking for a bit of advice. My partner and I requested a SAR from CIFAS online on Tuesday evening. My partners came back clear within 24 hours however mine is still processing- is this indicative that there is something on there? I know it says it can take up to a month but just ever so slightly worrying since…
First Direct
Tried to switch accounts and although it stipulates that the offer does not apply to those with a HSBC current account it also refused me although I only have an HSBC credit card opened for the 0% transfer deal.
Query about banking apps
hi i currently use an app on iOS for one of the big banks The thing is, my Apple device is now getting old and out of date and its iOS version no longer receives any updates The banking app in question needs to be run on iOS 15 to get updates- which is fine at the moment because I have iOS 15 on my device the question is…
Monzo - Standing Order payment processing: business or calendar day
Most banks pay out Standing Orders on business days only. Is Monzo the same?
TSB Spend and Save Account - Unable to send money to new TSB account
I've recently begun the switch to TSB to take advantage of their £100 + £90 offer. I've activated my account today and it's all up and running. However when I attempt to send money to the new TSB account, I get a text message (from the account I'm sending the money from such as Chase and HSBC) stating that the money cannot…
Recent budgeting win
Just wanted to say how rewarding and relieving it's been since I started using a budgeting app a few months ago. Everything is organised, the money is ring-fenced, and we adhere to it, no overspending. It really makes me think about what I "need"and "want" in the moment. If I can't afford it now, I add it to my basket and…
Interest on deposits in Euros
We live in the UK but have savings in a bank account in Ireland in Euros. Its almost impossible to get any rate of interest in Euros so we are looking into depositing the Euros in a UK bank but be covered by the bank guarantee scheme. Does anyone know of any reputable bank in the UK that can take Euro deposits?
Close account
Can I close an account I have no access to?
Victim of fraud
A number of us have been defrauded through our bank accounts by a financial advisor. He’s been sent to prison. Some have received their money back, other banks are refusing. Any advice?
Problems with new Triodos Debit Card
A few weeks ago I received a new debit card for my Triodos bank account. I mainly use my debit card for withdrawing cash and paying off my credit card with Barclaycard. Unfortunately every time I try to make a payment to Barclaycard with the new debit card I authenticate it via the Triodos online banking and get approved…
Nationwide App Changes allow them to monitor your device and apps
I was trying to do an online transaction and when it was time to confirm the transaction in my Nationwide app i was forced to uninstall and download a new version. The new version wouldn't open until I agreed to let them monitor the apps on my device to assess my financial crime risk. I don't want them to monitor my device…

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MSE News

NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What you need to know
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
Warning: 'WASPI' women affected by State Pension age rise should watch out for 'steep rise' in scams
If you're a woman born in the 1950s affected by changes to your State Pension age, be on high alert for scams offering compensation for this. Campaign group Women Against State Pension Inequality (WASPI) and charity Independent Age have warned so-called 'WASPI' women to be extremely careful, as there's been a reported "steep rise" in the number of scams targeting this group.
Martin Lewis: 'WASPI' women affected by State Pension age rise should beware 'steep rise' in scams
If you're a woman born in the 1950s, be on high alert for scams offering compensation for those affected by changes to their State Pension age. MoneySavingExpert.com (MSE) founder Martin Lewis has warned so-called 'WASPI' women to be extremely careful, as there's been a reported "steep rise" in the number of scams targeting this group – with some even using Martin's name.
Small pension pots to be automatically combined in future under Government plans – here's what it could mean for you
If you have a number of small pension pots you've built up over years of changing jobs, they may be automatically combined in future under new Government plans. This could make it easier to stay on top of your pension savings and reduce costs – but it's still very early days, and we don't yet know exactly how the scheme will work in practice.
Martin Lewis: Aged 20 to 25? Trick to get a FREE four-year railcard worth £100 from Santander
If you're aged 20 to 25, there's a trick right now that can get you a free four-year railcard worth £100 via the bank Santander. MoneySavingExpert.com founder Martin Lewis takes you through it.
Went to an employment tribunal between 2013 and 2017? Can you reclaim £100s?
Tens of thousands who overpaid employment tribunal fees are now due a share of £13 million, which could be worth £100s. But refunds aren't automatic, so you need to act to get your money back. Here's what you need to know.
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.

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Budgeting & bank accounts

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