We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Budgeting & bank accounts

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

Switching question
Hi, probably a stupid question but wanted to check: have never switched before but been tempted by the Santander offer, but want to check. I have my individual current account, and two credit cards, and our joint account and our joint savings account at HSBC; can we just swap our joint account to Santander,and keep my…
Bank customer profiles how long is data held for
Out of curiosity more than anything, does anyone know how long banks hold customer information for? I know that there is a 6 year limit for certain things but say you close an account down and you join after 6 years, will they still have a profile for you on file or does it get deleted?
NatWest and RBS accounts
Hello. I have a NatWest Select account and also a NatWest Digital Regular Saver account. Would it be permitted to open a RBS current account and also open an RBS Digital Regular Saver to take advantage of both high interest DRS accounts?
HSBC Advance - free £205 offer
So, I set up the advance account last year and was also accepted for a global money account, I carried out all the necessary requirements and received the initial £125 in to my global money account, all good I then spent 5x on my global money card to allow me to qualify for the additional £80 payment due between 1st-8th…
Receiving overseas funds
In the next few months I am to receive funds from overseas. A while back my brach closed and I never bothered to check for an update until today. My latest online statement provides the new branch information but the bic / swift code is still the old one. I then dealt with a person online and he said thst I could use the…
Does anyone know what this dd is?
Hey I am going through my grandads finances. He has dementia. I was wondering if anyone knows what AIL Santander is before I go in? Thanks in advance c
Possible lost account with Halifax....
Hi thereI'm wondering if someone out there can help.A LONG time ago (around 2010), myself and my mum opened a special savings account at the Halifax. We were trustees for the account in my daughters name.They never sent me bank statements but my mum (different address) did manage to find an old statement that had been sent…
HSBC alternatives.
Hello. Not a regular poster on these boards so please forgive me if I make any mistakes in etiquette. I have been with HSBC and Midland bank for over 40 years. I have stayed for convenience more than any form of loyalty. I currently have an advance account. I use this account for my day to day banking in which my salary…
ONLINE SCAM
I clicked an article on Facebook and my laptop immediately froze. A message filled the screen saying that my laptop had been attacked by a virus and I should phone Microsoft immediately. In a state of mild panic I did just that and was told by the agent that my laptop had been attacked by a trojan horse and would take…
santander switch
I switched from Santander to First Direct about 4 years ago. Am I able to get the new Santander deal account ,Edge, by switching back and claiming the £175? Or am I not eligible? Their terms are not that clear.............
HSBC 2FA failure
Recently, when using my credit card to do an online transaction, I realised my mobile wasn't handy, so cancelled at point of requesting my OTP during authentication. Unfortunately, HSBC still "cleared" the transaction and a payment to the merchant went thru. Merchant refunded me, but HSBC initially refused to accept that…
Is a cheque always upside down when you deposit it using an Android tablet?
I had great difficulty today in depositing a cheque using the banking apps on the two tablets that myself and partner own, as on both differing makes of android tablet and both differing banking apps it would only show the image upside down, making it very difficult to position the tablet to take a decent image of the…
HSBC GMA - How to use..
Hello everyone, I need a little advice please. I've opened a HSBC GMA account, solely for holiday use, to avoid debit card charges or ATM fees whilst away. It says (if I understand correctly), that I can either transfer GBP into the account and leave it as GBP and when I use the debit card the funds will be deducted in the…
Barclays New style debit Cards?
Has anyone received the new Barclays Vertical Debit card?
Santander
We’ll biggest mistake was to leave first director Santander so far they have failed to pay 2 direct debits costing me £29 in interest also they blocked the credit card they gave me after only 2 days told me to speak with the fraud team who never got back to me. They have cost me over 5 hours on the phone what a waste. And…
Santander £175 switch offer 14th May 2024
There is a new Santander switcher offer but you can’t have ever had a switching offer from them before. More details here https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/#santanderswitch
Deposit Money into my Nationwide Current Account?
Does anyone think it would be worthwhile to deposit £100 into my Nationwide Flexdirect Current Account (currently £0 balance) and open a savings account to maybe get £100 bonus from Nationwide?
Cheque advice
Hello all I was wanting to know if someone can help me so I got into a car accident and I got a cheque for the damages I've took it to my local bank just waiting for it to clear I looked on my online bank and I've all ready received it via bank transfer what should I do
Making an international payment
Hello, please can anyone help? I want to make an international payment from either Santander or First Direct (approx £180) to a bank in Vietnam, for a hotel deposit. When logging into our accounts the country is showing as Vietnam but Vietnamese Dong is not an option to select under the currency. We appreciate there will…
Transferring money from my Spanish account to my UK account
My daughter who lived in Spain until April 2023 is being marred with endless documentation, both from Spain and from the UK- in order to have her money transferred into her UK account. Help please

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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.

View All

Budgeting & bank accounts

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Budgeting & bank accounts

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free