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Budgeting & bank accounts

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

payments from german bank to Lloyds bank
I am expecting money into my Sterling Lloyds account from a German bank. I gave the company i did the work for an invoice in Euros so they have paid Euros. They made the payment on 30th April and we are now at 8th May and I am still waiting for the money to come into my account. Is this normal ? Lloyds say that the German…
Advice on changing bank accounts please..
Hi there, My parents in law have several accounts including ISAs with NatWest. Both of them are now housebound and frankly NatWest have been very unhelpful and a bit of a nightmare to deal with. They have decided they would like to change to a different bank and my questions are 1. Can they do it all online? 2. Can you…
Caught my bank lying. How can I negotiate a higher compensation?
I raised a complaint with a bank after noticing something in their system not working correctly. I did not suffer direct financial loss but the situation did cost me £100 indirectly and 2 months of correspondence and waiting during the complaint. The issue has likely caused problems for other customers without them…
Nationwide OFX file
I'm attempting to import OFX file generated by Nationwide into MSMoney Sunrise My “flex account” export to OFX appears fine as on import all transactions appear without error . My “credit card” export on the other hand appears to create a fully populated OFX file but only 4 of the 20 transactions are transferred during the…
HSBC blocked account after mortgage deposit
I just wanted to share a bad experience I have been having with HSBC over the last couple of weeks with regards to my account being frozen over two transactions. Currently, my wife and I are in the process of purchasing the flat we currently rent from our landlord. My mum has very kindly gifted us the deposit to get us…
Halifax faster payment limits
Can anyone confirm if the Halifax online FP daily limit of 25k is per current account or per customer?
First Direct switching offer from 7 May 2024
The First Direct switching offer is back: Current Account | Open Online Current Account - first direct Terms and conditions: first direct CASS switcher offer Terms and Conditions Effective from 7 May until the Offer is withdrawn. Who’s running the offer? first direct a division of HSBC UK plc (‘we, us’) is the promoter of…
Transferred money to closed credit card by accident
Hi, I transferred money from my Halifax Current Account to my old Halifax MasterCard account by accident. The MasterCard account was closed 5 years ago. Both accounts are with Halifax and in my name. This happened on Wednesday last week. I have contacted Halifax and I am getting conflicting answers as what to to do. Any…
Joint bank account for UK resident and non resident
I've been searching and am struggling to find an account I could open as a joint account for myself and my dad, who is non resident in the UK. Does anyone know of a bank account that can be held jointly by a resident and non resident? Thank you
Does faster payments work instantly on bank holidays?
They are usually instant or withing 2 hours on a normal working day. Is that the same for bank holidays? Thanks (Sending from Lloyds bank)
CHIP - number of debit card transactions per day
I know CHIP has limited the number of debit card transactions per day to six, but for the last few days I haven't been able to do more than three per day. Has anyone else noticed this?
Considering moving from Barclays to Starling for current account
I've been with Barclays for 40 years and thinking it's time for a change. I only really use Barclays for our joint current account and it usually has about £5k floating around in it. I've done research and for a start I'd get some interest on this balance rather than nothing. I'm just a little nervous. Any positive or…
An Archived List of Switching Offers
Welcome to this thread. I have decided to create this thread to provide a continuously updated list of terms and conditions of switching offers as well as the dates they have run for both for ease of reference after they have recently gone NLA and in case anyone is interested in historical switching offers more generally.…
Cifas marker removal
I have recently found myself in financial difficulties and with the help of another thread I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any…
Joint account help/ideas needed
For various reasons I need to open a joint account, Starling fits the bill but I have had an account with them in the past and foolishly shut it down which means I can't open another one. I would appreciate any input as perhaps someone will give me an idea I haven't thought of, having looked at all the other banks I can't…
Will Payment go through?
Will payment made by DWP by BACS I think go through into a account if the sort code and account number are correct but the name is Martin Lee but says M Lee?
How do I re-open a Kroo account?
Do Kroo allow you to re-join? If so how is it done as the app has no options available? Thanks.
HSBC global money account bonus
I signed up to get the HSBC global money account in October, the one that advertised the free £125 followed by the free £80 which was due to be paid 'early May'. MSE mentioned it here: https://www.moneysavingexpert.com/tips/2023/10/24/#hiya Had anyone done the same and been paid their £80 yet? Just wondering when in May it…
HSBC Global Account £80 bonus
I'm starting this thread for people to please share when they receive the bonus. This is from the 2 part deal (£125 + £80) that started at the end of last year. The 2nd part of the offer (£80) is due to be paid 'early May' in to the Global account.
Chase UK Statement Problem
I have a current and savings accounts with Chase UK and each month I view and download the pdf statements for my records. Today the April statements are issued but if I try to view them I get this message:- Please Try Again. We're having trouble getting your statement right now.I thought at first it was just that the…

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MSE News

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.
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.

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Budgeting & bank accounts

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