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Budgeting & bank accounts

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

Santander OTP code every time I want to look at my account
Every time I log in to my Santander online account I get a request to put in a code into my mobile phone.This is inconvenient as I do not always have my mobile handy to my desktop PC, I am 78 years old and it is not an easy task to get up and down the stairs etc.I have spoken to Santander and they are not interested, they…
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?
Santander OTP texts asking to change payment reference
Hi everyone, I’ve recently started banking with Santander and get an OTP code sent to my phone to confirm bank transfers. I have an iPhone so the code automatically pulls through from the text message and then it automatically archives the message so I don’t actually need to open/read the full message. I’ve just noticed…
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…
Chase- second account?
Hi all, I'm thinking of using chase as my everyday spending and my Lloyds for my bills, just curios to know if others do this? I know they a JP Morgan and the US biggest bank , funds are safe in there. thank you
Monzo - Standing Order payment processing: business or calendar day
Most banks pay out Standing Orders on business days only. Is Monzo the same?
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,…
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hi i currently use an app on iOS for one of the big banks The thing is, my Apple device is now getting old and out of date and its iOS version no longer receives any updates The banking app in question needs to be run on iOS 15 to get updates- which is fine at the moment because I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…
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…
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.…
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…
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…
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…
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…
TSB - Salary not paid today
Hi all, anyone with TSB that is due to be paid today, is it in your bank account today. Me and my partner both work for same employer, I'm not with TSB and have been paid but she hasn't. Another colleague also with TSB hasn't been paid either.
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…
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?
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?
New Bank Account to start switching offers
I need to open a new bank account which I can then use for switching offers once setting up a couple of DDs. Which bank account is the easiest to open?
Close account
Can I close an account I have no access to?

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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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