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Budgeting & bank accounts

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

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…
Can't log in to Chase
My phone logged me out of the Chase app. To log back in, I get a text verification message, then enter my 6-digit PIN, then I need to upload photo ID again! I tried my passport but it has expired so is not accepted. I do not have any other acceptable photo ID as my driving licence is an old-style one (I actually applied…
NatWest down?
Morning all. Is anyone else having issues logging into NatWest? I tried a few times and when I entered my memorable information, I got "You are now safely logged out". When I opened the app on my phone I got an error "We're sorry, some kind of error has occurred when trying to establish a connection between your device and…
Lloyds Bank £175 switching offer 28th May 2024
https://www.lloydsbank.com/current-accounts/switch.html
Zing
I just applied for Zing account. ID and address all verified. But then it said "We need to review your application and they will reply back". Anyone else had this or is it normal. Thanks
Looking for advice
Looking at buying a new car and after p/ex will probably need to find another £10k. Presently I have some savings - £4k with Santander, £8k with Chase, £5k in Secure Trust (all earning a minimum of 5%) as well as just short of £4k in Premium Bonds. I’m retired and my state and works pension along with small annuities cover…
Halifax and passcodes and (likely) Windows 11
For the past 3 months our joint and singular accounts / Credit cards have suddenly been subject to (unexpected) passcodes in order to Login. The usual 'do you wish to trust this device' has been absent and the passcodes have continued until I've complained informally to the online Help Desk. No explanation has been…
How to open a 'new' Chase account
I had an old Chase account for a year which I closed 8 months ago, before I discovered this forum and realised it would be good for a set of 'spare' accounts. I've managed to get back into the app and find my details but there's no option to open a new account. Any ideas how I open a new Chase account?
Serial switchers, what to do with left over login details?
Having done a number of switches to take advantage of offers I'm now left with several banking apps where I can log in but there are no accounts as they've been switched over. Do I just delete the app and keep my log in infot, or contact the bank to delete my details? I suppose if I open an account with them again I'll…
Deposit cash before debit card arrives?
Hello. The title says it all, so can you? Brand new account with bank BTW.
My Virgin Money accounts can’t be verified!
This has happened with other accounts, but as it’s a bigger bank i wanted to make sure. I’ve got new Current, Savings and ISA accounts with Virgin Money, and trying to pay into any of them directly from my Starling account, it can’t verify my name on my account. I know this happens with some banks, just wanted to see if…
Halifax Reward current account
The Reward Extras tracker says that I haven't met the requirements in May for the monthly reward, specifically by not spending £500 on my debit card and by not paying in a total of £1500 into the account. I have checked, and both these requirements have definitely been met. Am I the only person affected, or is the tracker…
Two current accounts with barclays
Hello. Can l open a second current account with the intention of switching in the near future? Or have you got to have the account for a minimum period?
Ford Money Community & Book Club
Got this today, still no further idea about their previous email regarding vip event invites, referral rewards, exclusive offers but:
Which account - Edge or Edge Up?
We're looking at switching our bank account to one of the following Santander accounts: The Edge account doesn't pay any interest on account balance but you can have a linked savings account at 7% on balances up to £4000. As there's two of us, this could be £8000. The Edge Up account pays 3.5% interest on any account…
How can Nationwide's Fairer Payment be interest?
Interest surely requires a Capital Sum, a Rate of Interest and a Period of Time. None of which apply. Discuss. (I've kept this separate as the discussion on the main thread is going the usual way)
TSB £160 + other perk switch offer 23/5/24-24/6/24
Good afternoon, TSB have launched a £160 switching offer, available to those who open a new Spend & Save or Spend & Save Plus current account and haven't received a TSB switching offer since 1/10/22. As with previous offers the offer is paid in parts, you will receive £100 for switching and making 5 debit card payments.…
Chip Pending Interest
Anyone else noticed that the Chip App has not updated the pending interest this morning. Mine shows the same pending interest as yesterday (on iOS)

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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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