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Budgeting & bank accounts

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

Natwest offer of Free Malwarebytes Premium licence (not License)
I don't know how I achieved this but since May 2020, I have been basking in the warm glow of an MBAM Premium Licence; courtesy of those nice people at NatWest! Thing is, I'm not a customer of theirs, I'm with Halifax - who are also part of Lloyds Banking Group, non the less, I feel a bit of an interloper. Just checking my…
Banco Santander Spain - Non-Resident Account (EUR)
Thought it might be useful for some to know that Banco Santander (Spain) offers a totally free Euros account for non-residents. It has a Spanish IBAN and BIC. Comes with a virtual debit card. You must be over 18, have a passport and live in the UK (or a few other countries). Took 1 hour from application to having the app…
OTPs
Can I do a straw poll please? How many people think that an OTP ie One Time Passcode for an Applecard purchase on line is a “One Transaction Passcode” ie to make that particular purchase only? I’m asking because it apparently isn’t! It apparently gives the vendor permission to use your Applepay whenever they want! Did you…
What’s up with the new Santander app?! May 16 2025 Answer the new Apple 17.7.7 FAIL update 🤮
I’m running the latest Apple iOS and used the Santander app for years with few problems. Tonight I tried to log in and it has lots of proud boasts about its new app and then asked me to Accept or Decline its conditions dated 2018?! I did this and had to enter my ID, five digit pin and receive a text and enter the number…
Nationwide Regular Saver and round ups query
Hi,Only just noticed that Nationwide have a 'round-ups' function (Impulse Saver) and wondered if this works on their Regular Saver too, to increase the maximum £200 mth allowed? I know I am able to do it with Nat West Regular Saver account but not seen anything on here to suggest that it can also be done with Nationwide.…
Spending abroad which bank to use?
Hi all, I am looking at opening a new bank account to use for spending on holiday as my current bank charges, I’ve seen revolut and chase advertised, however chase doesn’t allow joint accounts which is what I would prefer but I have seen some negatives about revolut can someone suggest which one is best or a different one?…
Child and packaged bank account
We have the Virgin packaged bank account that covers children under 18 on the travel insurance. We are going on holiday later in the year and our oldest turns 18 during the holiday. Do we need to get separate travel insurance to cover him for the last few days?
Help! Paying cheque into child account??
My daughter (age 10, just about to turn 11) has received a cheque. Only problem is I cannot pay it in! At the moment she has a junior Monzo space under my Monzo account but having asked them, it does not allow cheques to be paid in…. Does anyone have any helpful advice or info? I just want to pay the blooming thing in so…
HSBC Currency Account Exorbitant Fees
Hi all, has anyone else had this issue? I set up a EURO HSBC current account to receive and pay Euros within the EU because their website says they don't charge any fees on these Euro transfers. Today I transferred 10,000 Euros from my HSBC euro account to my FX trading account held with The Currency Cloud (a UK Euro bank…
Zopa bank is performing a/b testing on current account perks
I recently received an advert for zopa's current account on instagram and on closer inspection of the url found out that they were offering me a better deal than usual. I tried multiple endings of the url and found the following 3 offers. I thought this might be useful for anyone wanting to open a zopa current account,…
Google pay not working
So six months ago my Apple Pay stopped working. I set up a chase and TSB to use google pay for my work phone and Apple Pay. Apple Pay now works fine. Anyway I bought my wife a new engagement ring it was around £800 and the jewellers sent me a payment link and it kept declining maybe 2-3 times fraud as it was high amount.…
Santander edge have l activated DD?
Another thought entered my mind, and so yet another question. I recently converted my Everyday current accounts to an Edge account with Santander, which l initially opened for the switch offer, which I've now received. When the account was a Everyday one, there were two DDs because of the switch terms. I've now cancelled…
Best time to join NatWest MyRewards?
Hi My wife has switched an account to NatWest and we are going to convert the account to a MyRewards account. Her two DD are due to go out beginning of June. Is she best to convert the account now Or should we wait until next month? Also when is the £2 fee taken? Will it be one month after the account is opened?
Club Lloyds Fee. £2000 waiver ending? UPDATE: No change!
What's this referring to? I cant understand what the "discount" is referring to other than the £5. So Club Lloyds will be a fee paying account? Of course being an idiot I've probably missed the obvious!
Chase app not working.
Hello, I have just tried to make a payment and I was asked to verify this on the Chase app. The problem is once I log in I just get a blank screen, I wait and wait without anything happening. I have since made the payment from another bank but what is my best next course of action? Should I uninstall the app or contact…
Chase Cashback, MCC codes for cashback after 7th April 2025
22 April 2025 I was given this list when I asked Chase whether specific vendors I had previously purchased from were still eligible for cashback. I appreciate it's difficult for a consumer to find out what the specific code in advance of any transaction, but for what it's worth some might find this useful. As a suggestion,…
Payment to a closed account?
Closed my Lloyds bank account a couple of months ago, opening a new account elsewhere. Got a payment from a travel related claim being paid into the Lloyds account at present. What happens here considering I've no account with them? Payment sent back? Transferred to the new account in the same way as everything previously?
Business account
My brother-in-law and I are about to start a new business and have just registered a limited company. We now need advice on opening a business bank account and what factors to consider. To give you some context, we need to deposit some initial funds, and once we start operating, we expect to receive cash payments from…
NFT Main Disbursement
I have a credit on my statement from "NFT Main Disbursement". No idea who/what this is. I asked my bank to help identify the originator of this payment, and they helpfully advised me it came from "NFT Main Disbursement".Tried google, without any luck.Any ideas?
Santander edge debit card for overseas spending and withdrawals
Is there any reason why the Santander edge debit card would not be included in Martins list of travel credit and debit cards? Am I correct in saying there are no fees for using this card for foreign spending and cash withdrawals? And the £3 monthly fee can be avoided by not setting any DD on the account?

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MSE News

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.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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