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Budgeting & bank accounts

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

Nationwide £200 switch offer 23/5/24-4/7/24
Nationwide have now launched a £200 switching offer for existing members as of 31/3/24. To qualify you must switch a current account to Nationwide with at least 2 active Direct Debits. Those who have received a Nationwide switching offer since 18/8/21 are ineligible. For further details see:…
Ryanair refund to a closed account
My nephew had a voucher during Covid for a flight that he wasn't able to take - Ryanair agreed to refund it instead, however his account (with nationwide) where the payment was originally made from had been closed. He was advised by phone by Ryanair that as he had an account with the same bank it would automatically be…
Bank Avoiding Duty of Care on Lost Payments
Private landlord here. I've got a few BTL properties, get rents paid into my account monthly via bank transfer Got long term tenants who have always been good, always paid etc. I did an audit on rents received recently, shocked to see that no rent received from one of the flats for 2 years! Missed seeing this as the tenant…
NatWest Group Travel Account
So NatWest/RBS/Ulster have now updated their apps and now offer a Travel Account linked to your Current Account, just wondering if it's any good?, how it compares to other accounts/services elsewhere?
Close Bank Account & Cash ISA?
If I close my bank account with one provider, do I also have to close or move my Cash ISA, or can I leave it where it is?
Depositing foreign currency cheques
Many UK banks are withdrawing the facility to deposit foreign currency cheques (drawn on a non-UK bank). Is anyone aware of a UK bank that still accepts foreign cheques? I'm ok with the idea of opening a foreign currency account - HK$ and US$.
How new can a Current Account be for the Current Account Switch Service?
I am trying to take advantage of First Direct's CASS offer, but I don't want to use First Direct as my main bank. Therefore, I have set up a Revolut account, and created 2 Direct Debits from that account, however I wanted to double-check that using the CASS on an account that's about a week old will still be accepted, and…
Santander withdrew my banking services [Merged]
I received a letter from Santander’s fraud operations department today informing me that they’re withdrawing their banking services from me due to recent activity on my account. However, the only recent activity on this account this year has been transferring money to premium bonds. It’s not my main account, so it hasn’t…
DF Capital?
Who on earth are DF Capital? Their website looks terrible. Anyone have any experience with them?
Travelling abroad reccomendations
My 16year old daughter will be travelling in South America in a couple of months time and I'm looking for reccomendations for best account to open for her for card spending abroad. Obviously shes to young to open a chase account but are there any good alternatives?
Moving abroad - savings rates and tax
Ive had enough and Im planning on moving abroad this year. So, wanting to know if my funds will be better off in the higher rate standard savings account (4%) than my ISA (2.5%) that I currently have? Which will out-pay between the two? If its the latter would I be better off sticking it all in the higher rate account and…
Applying for new Santander current account
Hello. I have got an appointment at my local Santander branch to attempt to open an everyday current account. This just so happens to be the first bank account that I would be properly applying, although I have a unique Santander savings account - or had - when I was a kid. I have no credit history and the bank has advised…
NatWest/RBS My Rewards Update
Guessing it's for RBS too but got this from NatWest today:
UK citizen living in Canada - non-resident bank account
Hi, I'm a British citizen living in Canada. I currently have a bank account with Barclays which I opened some 30 years ago. Barclays have informed me they are closing my account as I'm no longer in the UK. However, i also have several rental properties in the UK from when i lived there. Mortgages on those properties are…
Virgin M Plus Current Account reducing to 1% from August
Wow, 2% was great when they first started this account but it's a pretty poor rate in today's environment, and now they're going to reduce it to 1% in a couple of months. From 1 August 2024 we will be reducing our M Plus Current Account rates from 2.02% AER (2.00% gross per annum) to 1.00% (AER gross per annum) on balances…
Contactless use ATM
Is there any atms currently utilising contactless features for withdrawing cash or use via digital cards?
Halifax Cashback Extras
Does anyone know when Halifax changed the terms of their current account cashback extras. It now appears transfers to another account do not qualify. So using your debit card to transfer money to another account and transferring money to another account by bank transfer no longer qualifies for the £5 reward.
Zopa not listed on Easy Access Cash ISA? Why?
Zopa is paying 5.08% Easy Access via SMART ISA but its not on my MSE top page? Just wondering why this is before i commit.... One part of my brain says there's valid serious reason why, the other just says go for it! I don't normally post when there's stuff not listed, just this time because I need to get my ISA shifted,…
Santander certificate of interest
Has anyone received their yearly Santander certificate of interest either by post or online I need mine for my accountant and can't beleive it's taking so long this year to be issued.... or is it just me and I'm missing it somewhere?
Canada - Various Questions About Payments
Hi all Off to Canada in August (for 7 weeks!) and wondering if anyone can help on the following: 1. Cash withdrawals. I'll obviously need cash but want to try and pay for most things by credit card. I have a Santander zero current account so no horrible mark up fees applied by them. Are there any Canadian Bank ATMs that…

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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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