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Budgeting & bank accounts

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

Clydesdale Anti Money Laundering?
So I looked at my Credit Karma app earlier and under Soft Search I've had 2 entries titled Clydesdale Bank Anti Money Laundering. What the fudge?. The only thing I can think of is this might be due to me manually having to open a Virgin Money Regular Saver because all my money goes through Virgin to fund regular savings…
Do joint account debit cards say so on them
Or are they a carbon copy of your other single account? I can't be having to read the numbers to distinguish between 2 of the same card at the till so may need to use another bank?
Nationwide Current Account Switch
I was expecting my 200 incentive for switching as advertised. But No, apparently as a new member I was not entitled, only available to existing members! Anyone heard of this! Seems absurd...
Unexpected New Lloyds Debit Card
Lloyds have unnexpectedly sent me a new Debit card that will expire in Nov 2027. This replaces a perfect good card that expires later in Jan 2028. Why have they done this, and which one should I use? I could do without the faff!
Barclays Switch - cannot open new account on app?
Am trying to open a new account so I can do the switch via the app.. but does not give me the option.. just to register with one of their accounts/CC/investor accounts. I see from other threads, that there should be "I'm new to Barclays" option showing.. but I can't see it?
Direct Debit before invoice
Hello, wasn’t sure what category this would come under, but I’m unsure what to think about this: I live in a new development and we have a factoring company that looks after the maintenance of the development and communal buildings and spaces. They send an invoice to me every 6 months (May and Nov) and I set up a direct…
Chase Merchant Category Code List
Does a thread already exist somewhere discussing the MCC codes used by chase when it comes to getting cashback? I usually spend quite a bit on amazon and want to make sure I'm getting cash back for certain items when usually you wouldn't get cash back when buying such items through a different merchant.
Paying a postal order into Nationwide
Are you able to pay a postal order into a nationwide account?
Elderly Family member just taken to bank and lost entire life savings Help
Hi everyone, Just this minute been informed that my SIL's mother has lost her entire savings. First port of call is to this forum. I do not yet know the exact details yet, but it has certainly scared all us old folk. I think this situation having been alerted is being addressed but before I offer input I thought I would…
Banks refusing/ignoring/sidestepping clear requests to register complaints via chat
Thought I'd open a thread to raise awareness and get others to share experiences. In the last year my wife and I have had cause to open a complaint via app-based 'live chat' four times with four separate banks, and on each the clear request to 'open a complaint' has not initially resulted in a complaint being opened.…
Joint account bank switch
Does anyone know of any joint account bank switch incentives at the moment? I can’t seem to find any that aren’t sole accounts. Or could anyone please recommend a favoured joint account for interest?
Currencies Direct locked account & demanding proofs
Resolved - please delete
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…
Best app/account/service for getting some money efficiently from the US to the UK
My wife has recieved an inheritance in the USA, it's not mega-bucks, under six figures, but is large enough that a couple of percent of difference in fees adds up to a large enough sum of money that I'd like to minimise the cost. This is also reliant on family and a solicitor cooperating in the US, so it needs to be…
GET MONEY BACK FROM ABBEY NATIONAL IN BAKER STREET
I have a friend in London who forwarded me this link from John.I had left money at Abbey National Baker street in London in 1976.At the time I had my motgage with me to buy a flat which I sold.I would like my money backI live in France but I plan to come to London soon.Can you help me?Merci de votre retourYours sincerely…
Moved: Double figure debt to clear
This discussion has been moved.
The practicalities of building up money pots in the early days
I have a separate Debt Free Wannabe thread going about building up an emergency fund, but I think this question is best suited here. Please feel free to move if that is not the case. I have created money pots in my banking app for every conceivable area from our SOA and allocated an appropriate amount to each for the first…
All previous switch incentives
I know there’s a thread listing all the previous switch incentives for each bank as I’ve seen it a while ago but I can’t for the life of me find to again. Does anyone have a link? Thanks in advance!
Emergency fund and new car fund?
Hello I have an emergency fund, of 6 months of bills. Any additional disposable income I have goes into my Stocks and Shares ISA and pension. My car and/ or my wife's car is going to need replacing in the next couple of years. Should I wait for my car to need replacing, then use my emergency fund to buy a new car. Then I…
NatWest Online Login 2FA
For the last few days, every time I log in to NatWest online I get the following message. Help us stop fraud To keep your account safe, we'll send you a one time passcode to your mobile device so you can access Online Banking.We'll contact you via your mobile device whenever we think anything is unusual, you're logging in…

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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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