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Budgeting & bank accounts

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

Unexpected/unauthorised online payment fee - is this allowed?
My wife just paid a council invoice using a debit card and the council's Capita-powered online payment system. We anticipated a possible charge for using a credit/debit card so carefully checked the invoice, the council website, and each page in the payment process. There was absolutely NO mention of fees, and the figure…
Online bank won't return my £!! What are my rights?
When it works, online banking is great. I was able to set up a prepayment card with Transferwise (now just WISE) so my HomeHelp could buy things for me without needing access to my personal bank account. Unfortunately I then had to change my phone number and was offline for a while. NOW. I am locked out of my account and…
Nationwide Fairer Share Payment 2024
Nationwide’s Board will decide on whether we can make a payment for 2024. That will depend on how well we have performed financially. The Board will make that assessment – and confirm this year’s eligibility criteria - after the financial year ends in April. Look out for an announcement on 23 May 2024.…
Lastminute.com
I have an upcoming trip to London booked with Lastminute.com. I paid the trip in instalments and the last payment they claim they were unable to take. I have tried two debit cards, a credit card and Paypal but I have been unable to make the payment. The issue is clearly with them, but I was wondering if anyone else has had…
Santander Edge internaltional money transfer rates
Hello, My wife regularly sends money home to her family in Malaysia. She has used Nationwide in the past but is thinking of swicthing to Wise. Some friends use Santander Edge which waives the transfer fee (but probably includes a markup on the exchange rate). Can I find out what the current Santander exchange rates and…
Nationwide Aviva Travel insurance - impossible terms
Does anyone else find some of the new terms in the travel insurance policy impossible to meet: eg under the belongings section for a claim you to provide Proof of purchase of the lost, stolen or damaged item • Proof that you owned the money and its value. How many people have receipts for everything in their suitcase. How…
Trust Bank Account for Disabled Person
Hi all We need to find a bank that offers “Trust Bank Accounts” so that we can setup an account for our daughter. I am told that this can be difficult as banks are not interested in providing the service. Does anyone have any experience or can you recommend a bank that will help? Our bank (NatWest) stopped providing the…
UK bank account for depositing Euro notes (cash) - without converting to GBP
Hi, I would like you to advise a UK bank account that allows me to deposit Euro notes (read: cash) in UK bank account without having to convert them into GBP
Chip sign up problem
I just signed up for Chip to get the sign up boost on the ISA. When I click to put money into the account it only gives me one opinion of automatic connection to my bank. However it keeps failing with an error. I doubt Halifax (my bank) has a problem. Anyone else tried today or recently with or without success?
Revolut- confirm personal details again
I’ve had a Revolut account for a few years now. Mainly used for spending abroad on holiday so not used every day. I received an email this evening asking me to confirm my details to help them remain compliant. When I logged in it just asked me to confirm my personal information and add my occupation and reason for using…
Cheque clearances.
Hello, I have a couple of relatively large cheques I'm going to take to a bank/bs tomorrow, I don't need the money asap but I would like to have it available if possible this time next week as one of my ISAs funding window closes then. Are there any particular banks or building societies who are better in this situation? I…
Best Way to handle large EUR to GBP Transfer for House Purchase?
Hi everyone, My mum is generously gifting my brother and me money to purchase a flat in London, which means she needs to transfer around €650k for the transaction. Our solicitor has already verified the source of the funds, so that part is all sorted. My mum's bank in Italy, Fineco, offers a currency conversion service…
Who is best for Telephone Banking
Something close to 30 years ago, I was one of NatWest's guinea-pig customers for their "new" telephone banking system. Living miles from a branch, I thought it was most wonderful and I'm still with it today. However, I now find it is most horrible, and it has been going that way since long before Covid. I suspect that…
Thinking of opening a new current account (not switching) and would prefer one woth a UK call centre
With bank branches closing I am thinking of opening a new Current Account. I would prefer one with a UK call centre. There is a TSB branch still open in my area and, any opinions would be welcome. I don't know if TSB has a UK call centre or has plans for branch closures. Thank you for any suggestions.
Best New Joint Account (NOT Switch)
My partner and I have just become husband and wife. Thank you 😊 We want to create a new joint account for shared expenses such as restaurant bills, each of us paying some money in each month for such costs. We probably would pay in £500 per month. We don't want to switch or lose our individual bank accounts. We will still…
Revolut and Fraud
Hi all Firstly sorry the long post but on Friday I received a notification from revolut to say there had been suspicious activity on my card so it had been frozen, when checking my bank account 7 payments of £103 had left my account with the 8th one being stopped due to suspected Fraud, these payments had all been made in…
DIGITAL POUND - CBDC
Been reading that the BoE is looking into introducing a digital pound possibly around the end of this decade. https://www.bankofengland.co.uk/the-digital-pound But from what I been reading, I don't understand how this is any different to the current system of paying for goods and services by an electronic transfer through…
Joint Bank Account, can I get any money back?
Hello, In 2011 I had a joint bank account with my aunt. I was responsible for growing the savings account and she/we had around £150,000 in the account but then in 2014 my aunt was diagnosed with dementia. As Power of Attorney I continued to look after the account. In 2019 she had to go into a care home paying around…
Santander Changed My Account
Just had an email definitely from Santander Bank saying that they have changed my 123 current account to a Select today. Checked online & it is now a Select account. I did NOT authorise this account change at all. I do NOT meet the criteria for this account no way !! Any ideas as to what is going on ?? Santander chat are…
Banking apps that show pending transactions
Hi all, I have two current accounts at the moment, one with NatWest and the other with HSBC. In terms of the mobile app, I find the NatWest one is far superior and find the pending transactions information very useful. The HSBC app doesn't show me any pending transactions at all, and I find it rather clunky to use. Which…

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MSE News

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.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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