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Budgeting & bank accounts

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

Skipton BS app down?
Anyone else been having access issues for the past couple of days?
When to cancel Barclays Blue Rewards?
When to cancel Barclays Blue Rewards?
Intelligent Finance Refusing to take my name off a joint plan
Quick overview is: joint mortgage plan started 2004 with current accounts and savings attached to offset the mortgage. Mortgage ended 2008, plan remained open until frozen during divorce in 2014. Never used since. Current accounts now closed as IF shut them down. One remaining savings account left open in the "plan" in…
TSB Switch Bonus £190 - 01/08/24
Hey guys, Just noticed there's a new switch bonus which looks pretty good! https://www.tsb.co.uk/current-accounts/switcher-spend-and-save.html?clickref=1101lzwuuSck&fd=A33&mcid=1525338|pca|Affiliate|MSE|SpendSave&ch=Affiliate&sch=MSE&pf=pca&sp=SpendSave
when will RBS close my rewards account
I have an rbs rewards account where I am meant to put £1250 a month in it, it costs £2 a month to maintain. I now use a nationwide account for everything.,wages, direct debits for last couple of months. when can I expect RBS to close this account that I don't use.I may at some point in the future need bank statements of…
HyperJar - is it a con?
I signed up to HyperJar after reading about it on the (excellent!) MSE site, however my experience with them has been less than fantastic. Last week my virtual card running through Google Pay was declined repeatedly, leaving me in an embarassing situation unable to pay for my bill (yes I normally carry another card as…
Bank transfer to Thailand
Hello, I’m going to be transferring £10,000+ in one transfer to Thailand. Just wondering if anyone can recommend a particular bank etc.. for the transfer ? Thank you
Experian Beta Trial
Opened the Experian app earlier and it says they are giving some of their customers their full Experian Credit Report for free, as a trial, anyone else got this? I looked into mine apparently I defaulted with Virgin Media in 2018 by £65, that info doesn't seem to show up on other apps, should be coming off my report soon…
Monthly dollar payments from the UK
Hello. I’m looking to pay a new organisation monthly, however, they are in the USA and obviously use dollars. Currently the bank I use regularly is the Bank of Scotland, but they would add additional charges for the exchange. Would I be better creating another account (maybe with Chase Banking or alike) or just accept the…
Halifax will not believe it's not a scam
Don't know if this is the right place for this. I was trying to send money from my online account to my dearest friends abroad (they are actually better than family). Filled in all the details, then a message came up that I had to phone them, which I did. She asked loads of questions and eventually said they believe it is…
Lloyds bank no longer offering face to face appointment?
I have banked with Lloyds since I was 16 … ( I am now retired ) I have always been happy with service and have gone with the times and now use internet and telephone banking for day to day transactions and occasionally opening / closing accounts however , I was always reassured to know that if I had a complex need , I…
Getting more organised financially - how am I doing? Any suggestions?
TL:DR Getting my financials organised. Spreadsheet budget until I get laptop app that is better (do not like YNAB). Already kind of sorted statement of income and regular outgoings, looking at controling non-regular outgoings better. Any advice or suggestions on mangaing this completely? I am not really happy with my bank…
Co-Op wrong type of account opened
I applied for a Co-Op Everyday Extra account, with a view to getting the switch cash from their current offer. I have another account ready to switch in to this one. It wasn't approved instantly, but after a few days I got an email that they are opening my account. Now that I have access though, it looks like they gave me…
Current Account switch data April - June 2024
This is an interesting read https://news.stv.tv/world/jump-in-current-account-customers-ditching-and-switching
Smart to have money in seperate accounts?
Hey MSE, I have done quite a lot of bank switches over the past year and now have quite a few bank accounts that still have the minimum pay in within the account. Is this a good idea? Or a bad one? Maybe its good to have money in accounts I dont use in case of debanking / phone stolen? My only concern is these funds aren't…
Roll number or reference number Nationwide BS
Does anybody know whether Nationwide has a roll number or reference for their current account? Thanks
Nationwide FlexPlus for 1 month
Hi, we are currently in the final stages of planning our holiday to the USA with my mum who's 64 years old. She doesn't have a travel insurance yet and they are quite expenses now for her. I thought she may be able to sign up with Nationwide FlexPlus for a month and then downgrade, after we come back from the USA. That way…
Direct debit can't process.(switch offer)
Hello. Ive just received a email form one of my charity DD saying that they can't no longer proceed with my DD. I'm currently in the process of a switch offer from nationwide to first direct which is due to be completed on monday 29th July. The 2 DD were original set up on virgin which l switched to Nationwide and now…
Switching to Lloyds via Chase - Last 5 digits of card details for Switch?
Hi all, Quick one on the switch to Lloyds from a spare chase current account - It is asking for the last 5 digits of the current debit card number & expiry date (Once the switch is complete any regular payments from this card will stop) - If I enter this into the switch info via the Lloyds app, will it terminate this card…
Monzo 10% cashback at Sainsbury’s, Netflix and Just Eat
I saw an advert on Instagram for this from Monzo but I’m unable to find out the terms and conditions. Is it just for one transaction?

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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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