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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…
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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…
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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…
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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…
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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…
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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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Merchant hasn't received my debited payment
Hello! Recently I tried to make a payment for a product with Halifax over the phone but I was told that the payment wasn't successful. I tried both my HSBC and Lloyds debit cards, both failed. However, later I noticed the amount is debited from both my HSBC and Lloyds account, pending and later confirmed. I asked Halifax…
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How to calculate gross income?
Sorry if this is in the wrong forum... How do I calculate my gross income please? I get paid weekly. I don't earn any extra money (overtime and such), just a small Xmas bonus (in the pas it was never more than £50 after tax) - and that hasn't been confirmed for this year yet so may not happen. On 1st July my employer…
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More a rant about Santander
Trying to pay balance for holiday due at weekend. Santander making this process unbelievably hard and despite spending 5 hours answering their over the top security questions their app would not take Their required security photos and despite over 8 attempts and having to restart at each attempt I have still not Managed to…
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Cheque - wrong surname spelling.
Got a cheque from the bank. Machine printed surname incorrectly Should be Mr D Book but instead got Mr D Brook Cover letter was right with surname. (Just an example but very similar. It added a letter in middle when it shouldn't) Now should I bank it through the bank machine ??? Will it go through? Over £1000 so have to do…
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Pending payment Lloyds bank
So today I decided to get iPhone 16 pro max contract Mobile phones Direct! they took payment (says pending) for x amount but then security checks failed most likely me putting wrong details in by accident lol I got phone direct via o2 order all gone through so when will I get that pending payment back? How long to refunds…
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Bank phishing based on real bank's fraud prevention approaches
I thought I would share this just for the record. It relates to a really professional phishing approach that I encountered yesterday using social engineering around the bank's own fraud prevention systems. The attack is based just on knowing someone's phone number and their date of birth - the bank could just be a guess,…
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Club Lloyds & changing your lifestyle benefit?
I've never had to do this myself but my sister is asking me now about changing her cinema vouchers to a Disney+ membership. When going on the club lloyds website https://www.clublloyds.com/ there's the option to log in with username & password - username being your sort code & account number. I've looked around & see…
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Euro savings account
I worked in Ireland for a year and set up a Revolut account, which is where my salary was paid into in Euros. Now back in the UK, my plan was to keep my Euro savings in Revolut for my 'holiday fund' so I didn't need to pay to convert it. Interest in Revolut is not great but I've also just seen in Which Magazine that they…
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Opening kids account with Bank of Scotland
Hi, I have an ultimate reward account with BoS and I am wanting to open an "under 19" account for my daughter who is 12 to allow her to have a debit card for buying lunch etc when she is at school. She already has a childs saver account with them I have been told I need to go into a branch to open a current account due to…
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new HSBC current account after switching out
Hello, I switched out of HSBC in June and closed my current account. I'd been with them for about 30 years so not my smartest decision. Now - I'd like to open a new HSBC current account as intend to open the 7% regular saver as soon as I can and also a Stocks & Shares ISA in April. Are there any hard rules about how…
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Receiving by BACS
Wife has sold her car and is been picked up on Sunday .The buyer is paying by BACS is this a safe way and what do we need to know ?
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Transferring Money between UK and Oman
We have recently arrived in Oman for work reasons and will need to transfer money between our new Omani account and our existing uk account. Is there way to do this without incurring large transfer fees? I have looked at Wise and Revolut which I believe work in similar ways but neither will transfer from Pounds to Omani…
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Is "Overpayments" for Barclays Mortgage ?
Is "Overpayments" for Barclays Mortgage can reduce the interests going to pay? My Barclays mortgage rate is 4.51% Or is it better to keep the money in saving account for 3.5% interest rate?
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LBG - restrictions on cash deposits
I have heard that with the upcoming banking hubs (currently in the first stages of rollout) that LBG will be limiting cash deposits to £2995 p/m or £20000 per year, There may have been rumours about this sort of thing in the past but it looks like it is going to happen in earnest. Watch this space...
