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Budgeting & bank accounts

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

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?
Switch to new account to organise existing
I’m wondering can I have some advice- I’ve multiple bank accounts with Direct debits, standing orders coming out and wages and benefits going in. I’ve ADHD and find it very hard to know what I’ve got and what I don’t and the thought of trying to contact each company etc as well as benefits office overwhelms me. I currently…
3 user current bank account
I would like to open a bank account online with 3 users, for rental income to be received. I tried to do this online a while ago with TSB and it wouldn't let me have 3 people on the application. Can you recommend which bank I should try please?
Revolut issued UK banking licence
https://www.theguardian.com/business/article/2024/jul/25/revolut-receives-uk-banking-licence-after-three-year-wait
The current Co-op switch offer July 24
If you are switching from a package account that already gives you worldwide travel insurance that the benefits match what you have at present
Santander web site gives false information about pending transaction
On the web site I created a large payment to "company X" with reference "person Y", scheduled for a few days from now. When I display pending transactions it tells me I'm making a payment to "person Y" with reference "company X". (The bank account number and sort code are correct/identical on both pages.) I have screen…
Chase Bank - Denied Access to Phone App
Greetings to the Forum. I'm having a big problem with Chase. Went to check my bal on Sun 21 in the phone app only to find access was denied and directed to contact them. Put a call in on Monday only to be told my account is under review and I cannot access the app while they do so. This is puzzling to me so I lodged a…
Can’t complete in app
Hi so I applied in app at Barclays to switch everything they needed entered credit search done then they tell me you need to go to branch WHY?
Company Bank Account
Hi all, question please is, is this normal to ask for a letter from my accountant to open a new business bank account on my new company. i have had a company bank account with a high street bank for my limited company for over 20 years and i have set up a new limited company for my property. i need to set up a second…
Exact Cash Withdrawal at Post Office
Probably obvious to many but had never occurred to me before. But at a post office you can withdraw an exact amount from the counter. Whereas at any cash point in said post office, depending on set up you can only with draw in denominations of £5 or £10. Handy for change for things like paying the window cleaner and saves…
Identity documents to open a bank account
I have an appointment in branch to open a Barclays Bank Account. Since I don’t have a passport or drivers license, they can accept a HMRC letter from the last 12 months, but I have only got a national insurance letter - on it, it says not to be used to prove your identity. Should this be fine to bring along regardless.

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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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