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Budgeting & bank accounts

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

Joint First Direct "tasks" for £175
Just a quick question. We're opening up a joint First Direct account. Do both of us need to use our debit card 5 times, or is it 5 times between us in order to qualify for the joining bonus? Thanks in advance, I am confident someone here will already have done this. 😁
Would I be subject to US tax and should I tell the bank yes?
(Repost because I prematurely put out the other post by mistake and it won't let me edit or delete.) Heya Sorry, if this is the wrong forum, please do move this post and let me know. I recently posted here two weeks ago asking about whether I was correct or not to opt for the everyday current account or whether I should go…
USA Tax - do I need to state I may be subject to USA tax even if I don't make the theoretical £100k
Heya Sorry, if this is the wrong forum, please do move this post and let me know. I recently posted here two weeks ago asking about whether I was correct or not to opt for the everyday current account or whether I should go for the basic one first. So, I went to the branch this Wednesday like
Why so expensive to get ID in the UK? Why no free national identity cards?
My partner and 16,19 and 21 year old sons need ID for opening bank accounts. Proving their identity is very difficult so we've decided to apply for passports for them even though we have no intention of going abroad. All the costs of getting 4 passports is going going to cost about £450 and they will need renewing every 10…
Smile Bank suspended new phone app applications
I have been with Smile since 1999 and in the last few months I have noticed that they seem to be running down the services. First came with the smile more accounts no longer able to perform the benefits on line. Then I changed my phone and since then I have not been able to have the banking app on the new phone. Customer…
Mother was a victim of Whatsapp scam fraud - will she get her money back?
May I first and foremost say I do hope that people will be kind and will not use this thread as a lecture to say how silly she was or that it is her own fault. With that said, my 75 year old Mother fell victim to the "Hi Mum" Whatsapp scam that has been doing the rounds and she transferred just under £1,000 to a complete…
Money moved between my own accounts before being stolen. Neither bank willing / able to help.
Hi there, I’m not sure if this is the right place to post but I’m looking / hoping for some advice on any available options to try and resolve the situation outlined below. In short though, I: * Have had ~£3,100 of my own money stolen. * Am responsible for a £12,000 loan that was taken out in my name and stolen. * Am stuck…
T212 debit card cashback
Has anyone received cashback using the T212 debit card for Council tax payment Energy/Utility payment Chase dc gives cashback on both. T212 t&c say Utility, and taxes are excluded https://helpcentre.trading212.com/hc/en-us/articles/17862038991389-Excluded-merchants-for-cashback
3 questions about trusts
1) can I have an open trust account with different banks for example half in skipton half in cater Allen. 2) How do I apply to cater Allen I have no referral where do I get one? 3) mortgages within a trust if I own one property outright in my trust can I get mortgages within my trust? Best people to get mortgages for…
Suspect bank statement is fake
Ive have been given a bank statement from someone but Im quite sure its fake. Its a Natwest Bank transaction statement but despite contacting Natwest they wont verify if its a fake or not. So im stumped as where to go with this. I have nothing to compare it with but certain things dont look right like OD beside a zero…
Unethical Co-op Everyday Extra Packaged Travel Insurance. No longer fit for purpose...
From June 26th 2024 Co-op Everyday Extra is removing cover for "End-supplier failure" (insolvency) i.e.when any travel or accomodation or service provider become insolvent and fails to provide what you've booked and/or paid for, even if you've already booked your post-June 26th holiday prior to June 26th. Notwithstanding…
Total Lifetime Bank Switching Earnings?
Interested in what you think you've made in total earnings from taking advantage of bank switching offers? Do you think the offers are becoming less generous now and the opportunity is shrinking? Are there any similar type opportunities elsewhere? Thanks!
Nationwide 2nd account?
Hello is it possible to apply for a second account while still having one already? And can l then leave it empty for maybe switching it in a few months time. Thanks.
Bank switching.
Hello. With loads of banks offering switch incentives recently what are the downsides to getting all these offers, if there are any? I've recently done the RBS one which was my first go but it was very straightforward. Some are very complex. Thanks
How soon can you re-switch accounts?
Hi I’m hoping someone more knowledgable than me can help out with this question please!! Does anyone know how long you have to wait before you can re-switch ann account? I switched to TSB last September for the incentive but am now thinking about re-switching that account to Nationwide as I have a mortgage with then and…
Nationwide joint account
I have a nw joint account and loyalty saver so qualify for the £100. As it is a joint account, it should be £100 each but there is only a mention of £100 under my name. I think last year I got only £100. Thanks
Santander switch - paid three (3) times
Hi Recently switched to Santander to take offer of their £185 switch offer. It's been paid into my account three times over. Same with my wife and parents. I hadn't realised and had have already ordered a switch out to Monzo which will become our main accounts again. What do I do? Thanks, Emmgeebee
Cash machine didn't dispense cash but money taken from bank
I hope I've chosen the correct forum to post this in, if not let me know which would be more appropriate. What happens when a cash machine crashes before dispensing money, but the transaction completes anyway? I was recently asked to help my parents withdraw £250 from a Sainsburys cashpoint. Everything progressed normally…
Another switching question
Due to a complicated story which I am happy to post here (I'll put it at the bottom so don't bother to read if you're not interested) I switched banks at very little notice, and with no preparation. There seemed to me no urgency to notify payers, as I know any payments into the old (TSB) account have to find their way into…
Trust acc need financial advisor referral cater allen
I'm with skipton as it was recommended for my trust account. I'm seeing issues already. My trust was for personal injury and said trustees could invest in property assets and the income from those assets could be in my trust. Skipton won't let me buy anything WITHIN the trust. I can transfer money to a personal account but…

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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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